Welcome to Paragon Insurance - Dripping Springs

Your trusted partner for auto, home, and business insurance in Dripping Springs, Bee Cave, and Austin, TX.

In Texas, drivers are legally required to carry minimum auto insurance coverage of $30,000 per injured person, $60,000 per accident, and $25,000 for property damage. However, opting for the state minimum may leave you vulnerable to significant financial risk in severe accidents.

Consider these smart add-ons to ensure comprehensive coverage and peace of mind:

• Uninsured Motorist Coverage: Protects you if you're hit by an uninsured driver.
• Roadside Assistance: Offers towing, battery jump-starts, flat tire help, and more for just a few extra dollars a month.
• Personal Injury Protection: Covers medical expenses that exceed the other driver's insurance limits, as well as no-fault scenarios.

Need to Know: Home Insurance

Dripping Springs and Austin homeowners face unique risks, from flash floods to wildfires. Protecting your property requires the right insurance tailored to your geography and needs.

Did you know?

• Nearly 65% of U.S. homeowners are underinsured, according to national studies [3].
• In Texas, 1 in 4 homeowners lack sufficient coverage to rebuild after a disaster [2].
• Rapidly rising property values in Austin and surrounding areas mean many policies are outdated and don't reflect current replacement costs.

Consult with Paragon Insurance to explore options like:

• Flood Insurance: Essential for homes near low-lying areas or waterways.
• Wildfire Zones: Due to ongoing drought conditions, a must-know for properties surrounded by the beautiful Texas hill country.
• Replacement Cost Coverage: Ensures your policy covers the full cost to rebuild or repair your home, reflecting current market rates.
• Personal Property Insurance: Protects your valuable belongings, including jewelry, electronics, and heirlooms.
• Umbrella Insurance: Provides additional liability coverage that extends beyond the limits of your standard insurance policies, offering enhanced financial protection. This type of policy is especially beneficial for individuals with significant assets, business owners, professionals in roles with higher liability risks (such as doctors, lawyers, or consultants), and anyone seeking greater peace of mind against unforeseen legal or financial claims.

Need to Know: Local Business Insurance

Bee Cave, Dripping Springs, and Austin are thriving hubs for local businesses, from boutique wineries and distilleries to tech startups and retail shops. As a business owner in these communities, securing the right insurance is vital to protecting your investment and ensuring long-term success.

Key coverage options to consider for your business:

• General Liability Insurance: Protects against claims of bodily injury or property damage on your business premises.
• Commercial Property Insurance: Covers damage to your office, warehouse, or other business property from events like fire, theft, or storms.
• Business Interruption Insurance: Helps cover lost income if your business is temporarily unable to operate due to a covered event.
• Workers' Compensation: Ensures your employees are protected in the event of work-related injuries or illnesses.

Partner with Paragon Insurance to identify tailored solutions that meet the unique needs of your Bee Cave, Dripping Springs, or Austin-based business.