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McMullan Insurance

Over 45 years of insuring the Texas Hill Country.

Since 1975, two generations of the McMullan family have played a vital role in insuring the Texas Hill Country and beyond. From the beginning, our focus has been protecting the families and businesses we serve, building trusted relationships, and one-on-one service. Because when you choose us, you’re not just getting insurance, you’re joining our family.

We understand what it means to live in and own a business in the Texas Hill Country because we’ve been there and done that. Here at McMullan Insurance, we don’t just ask for your trust, we work hard to earn it. From getting to know you, to building a trusted relationship, we are dedicated to establishing that personal connection that is rare in the insurance arena.

About Our Agency

Insuring the Texas Hill Country and Beyond

Located in Bandera, TX, the Cowboy Capital of the World, we are proud to insure people and businesses locally in the Texas Hill Country and across the great state of Texas.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
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Here to Help With Your Insurance

We understand your unique needs because we’re your neighbors, we live and own a business here in the heart of the Texas Hill Country. Whether you need personal insurance or business insurance, we’re here to help.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

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McMullan Insurance +
Trusted Choice

Combining local service with quality insurance solutions from multiple insurance companies.

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McMullan Insurance +
Independent Insurance Agents of Texas

We are proud members and have served on the Small and Rural Agents Committee of IIAT.

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Real clients. Real reviews. Real coverage.

“Best place around to buy auto and home insurance. Plus, they are right here in Bandera and everyone in the office is so friendly that it's like doing business with family.”

Sheli Gillen Hinton

“This is what small-town business is all about! McMullan Insurance handles all of our needs from home to auto to business efficiently and with a smile!”

Robin Konz

“The absolute best place when searching for kiddos' life insurance! We love you all and can't thank you enough for the spectacular customer service!”

Katie Taylor
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The McMullan Way

As a local, family-owned agency, we are dedicated to our clients and our community.

Proud to Be Local

We’ve been playing a vital role in the lives and businesses across the Texas Hill Country and beyond.

Community Comes First

Giving back to our community is at the core of who we are, and an integral part of our legacy and future.

A Team You Can Trust

Most of our experienced insurance professionals have been with us for 20+ years, so you’ll always know who you’re dealing with.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Auto

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Medical Payments Coverage

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.

Solution

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Transportation Expenses / Rental Coverage

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

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Bandera, TX

285 Hwy 16 South
Bandera, TX 78003

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