Our Services

Auto + Home + Business
Insurance Coverage

Type of Insurance

Personal Insurance:

  • Auto (including classics)
  • RV & Motor Home
  • Motorcycles & Golf Carts
  • Other:
    • Watercraft
    • Life (term, whole, and more)

We provide more than just a Texas-mandated ID card. Our policies protect your vehicle, your assets, and your peace of western travel against uninsured drivers and unpredictable Texas weather. Whether you need basic liability or full coverage for a new truck, we tailor a plan to your commute.

Homeowner Insurance:

  • Property (home, condos, renters & landlord, and more)
  • Windstorm
  • Flood
  • Umbrella

Your home is likely your largest investment. We offer robust protection against the specific risks Texas homeowners face, from Gulf Coast windstorms to North Texas hail. We help you navigate the difference between replacement cost and actual cash value to ensure you aren’t left under-insured after a storm.

Business Insurance:

  • General liability
  • Commercial Property
  • Commercial auto liability
  • Professional liability
  • Workers Compensation
  • Surety Bonds

Protect what you’ve built with coverage designed for the Texas marketplace. From small local shops to large commercial operations, we provide the liability and property protection necessary to keep your doors open. We focus on mitigating risks so you can focus on growth.

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Insurance Providers We Work With:

Foremost, Bristol West, Progressive, Sagesure, Homeowners of America, , TRUE, Orchid, Mercury, Wellington, Aegis, TWIA, Texas Fair Plan, RLI, Hiscox, Next, CRC Tapco, USLI, Jewelers Mutual, Hagerty, Neptune, NFIP, SSIU, Mission Select, Annex, RLI, NatGen, Branch, Travelers, Safeco and more.

FAQ

Homeowner & Auto

Inland: Generally, yes.

Coastal (Tier 1 Counties): Likely no. If you live in one of the 14 coastal counties (like Galveston or Brazoria), you usually need a separate policy through the Texas Windstorm Insurance Association (TWIA).

Coverage should typically match the cost to rebuild your home, not the market value.

A deductible is the amount of money you agree to pay out-of-pocket before your insurance company starts picking up the tab for a covered loss.

Replacement Cost: Pays to replace your roof or property with new materials at today’s prices.
ACV: Pays the depreciated value (age/wear considered). In Texas, an older roof might only be covered for a fraction of the cost to replace it if you have an ACV policy.

Liability insurance pays for the damage you cause to others. It is the only coverage mandated by Texas law. The state minimums are 30/60/25 ($30k per person / $60k per accident / $25k property damage). It covers the other driver’s medical bills and car repairs. It does not cover your own vehicle or injuries.

Comprehensive coverage is for damage beyond your control – such as hail, floods, fire, theft, or hitting a deer.
Collision coverage covers damage to your car if it’s under your control and hits another car or object.

To request a quote, please click here.

Please reach out to us! We’d love to help answer any questions you may have. 

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