Personal Insurance 

Montoya Insurance Group, LLC offers affordable personal insurance in Wichita Falls and nearby towns. From protecting your home and car to safeguarding your family’s future, our local team makes insurance simple, clear, and personal.

Our Personal Insurance Options

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Home Insurance in Wichita Falls, TX

Protect your house and everything inside it from storms, fire, theft, and more. We’ll help you find the right homeowners insurance tailored to Wichita Falls risks.

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Auto Insurance in Wichita Falls, TX

Stay confident on the road with coverage for accidents, liability, and uninsured drivers. Our auto insurance options keep Wichita Falls drivers protected at every turn.

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Life Insurance in Wichita Falls, TX

Ensure your loved ones are financially secure with flexible life insurance policies. From term to whole life, we’ll help you choose the right plan for your family’s future.

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Renters Insurance in Wichita Falls, TX

Your landlord’s policy doesn’t cover your belongings. Our renters insurance protects personal property, liability, and living expenses if disaster strikes.

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Condo Insurance in Wichita Falls, TX

Condo association coverage won’t protect your unit’s interior or belongings. Our condo insurance policies cover what matters most inside your home.

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Mobile Home Insurance in Wichita Falls, TX

Mobile and manufactured homes face unique risks. We provide tailored mobile home coverage to safeguard your property, belongings, and financial security.

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Motorcycle Insurance in Wichita Falls, TX

Ride with peace of mind. Our motorcycle insurance policies protect you, your bike, and your passengers across Texas roads.

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Boat Insurance in Wichita Falls, TX

From Lake Wichita to Lake Arrowhead, we help boat owners stay protected with coverage for liability, storm damage, theft, and more.

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Umbrella Insurance in Wichita Falls, TX

Add an extra layer of liability protection beyond your home, auto, or business policies. Umbrella insurance ensures your assets are secure when basic coverage isn’t enough.

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Jewelry & Specialty Coverage in Wichita Falls, TX

From engagement rings and heirlooms to classic cars and collectibles, our specialty coverage protects the valuables that matter most.

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Recreational Insurance in Wichita Falls, TX

Protect your fun — from RVs and campers to ATVs and jet skis. Recreational insurance covers the vehicles that make Texas living exciting.

Why Choose Montoya Insurance Group?

We Work for You-Not the Insurance Companies

  • Family-Owned & Local – Proudly serving Wichita Falls and surrounding towns as a trusted, community-rooted agency.

  • Independent Advantage – We shop multiple top-rated carriers to find the right fit for your needs.

  • Award-Winning Service – Voted Texoma’s Best for delivering quality coverage and personal attention.

  • Affordable Protection – Helping families and businesses secure the best coverage at the best price.

FAQs

  • Is personal insurance required by law?

    Some types are. Auto liability insurance is required by law in Texas. Homeowners insurance isn’t legally required, but most mortgage lenders will require it. Other coverages, like life, renters, or umbrella insurance, are optional but highly recommended for financial protection.

  • Can I bundle home & auto insurance?

    Yes. Bundling your home and auto insurance can save you money and simplify your policies. Many carriers we work with offer discounts when you combine coverage.

  • What if I rent but own expensive stuff?

    Renters insurance is designed for you. While your landlord’s policy covers the building, it won’t protect your personal belongings. Renters insurance covers your furniture, electronics, clothing — and you can add extra protection for valuables like jewelry or collectibles.

  • Do you offer flood or earthquake insurance?

    Standard homeowners and renters policies don’t cover flood or earthquake damage. We can help you add flood insurance through the National Flood Insurance Program (NFIP) or private carriers, and explore earthquake coverage if needed.

  • How long does it take to get a quote?

    Most quotes are ready within 1 business day. Since we’re an independent agency, we shop multiple carriers for you and send back the best options. Uploading your current policy documents when you request a quote helps speed things up even more.

Protect What Matters Most

Whether you need home, auto, life, or specialty insurance, Montoya Insurance Group, LLC is here to help. Serving Wichita Falls and surrounding towns with trusted, bilingual service.