Texas insurance
Independent Insurance Agency Serving Texas
Home, auto and commercial coverage for Texas families and businesses, with careful attention to hail, wind and percentage deductibles.
What's different in Texas
Local risks we plan around
We place Texas policies with carriers licensed in the state and service them from our Florida office.
- Hail and roof settlementMany Texas policies settle roofs on actual cash value or carry separate wind and hail deductibles. We show you exactly how a roof claim would pay before you buy.
- Coastal windstormAlong parts of the Gulf Coast, wind may be excluded and written through the Texas Windstorm Insurance Association. We coordinate both policies so nothing falls between them.
- Percentage deductiblesA 2% deductible on a $500,000 dwelling is $10,000. We price several deductible options side by side so the savings are clear.
- Growing-metro auto ratesAuto premiums in fast-growing metros shift quickly. We re-shop at renewal when the numbers justify it.
Areas we serve
Across Texas
Personal and commercial coverage for clients throughout the state, including:
Business insurance in Texas
Commercial clients
Contractors and trades, energy-adjacent service companies, restaurants, retail and professional firms across Texas metros.
FAQ
Texas insurance questions
Why did my Texas home insurance deductible change?
Many carriers moved to percentage-based wind and hail deductibles. We'll explain yours and quote alternatives.
Do you write TWIA policies?
We help coastal clients coordinate windstorm coverage alongside their homeowners policy. Ask us about your specific county.
Free, no-obligation review
Get a Texas quote.
Most quotes come back within one business day. One conversation, every carrier we represent, no obligation.