Home / Personal
Personal insuranceHome, auto and life, without the pressure.
Honest talk about hail, flood and roof age. Bundling made simple. Often the same people who run the businesses we insure, and their families and staff.
Homeowners
Dwelling, belongings and liability. We check roof age, the wind and hail deductible, and replacement cost before you sign.
Auto
Cars, trucks and teen drivers. Uninsured motorist coverage matters on Texas roads; we explain why in one minute.
Renters
Your belongings and liability for less than a dinner out each month. Often required by landlords.
Life
Term life to protect a mortgage and a family. Simple options, clear numbers, no sales pitch.
Flood
Not included in standard home policies. Usually a 30-day wait before it starts, so plan before storm season.
Umbrella & toys
Extra liability, plus boats, RVs, motorcycles and ATVs, coordinated with your home and auto.
Check your roof deductible before hail season.
Many Texas home policies use a 1% or 2% wind and hail deductible. On a $350,000 home, 2% means you pay the first $7,000.
We will show you that dollar figure, compare it with a flat deductible, and tell you what the difference in premium buys. Some carriers also pay only depreciated value on older roofs. We check that line too.
Book a free home reviewStraight answers about your coverage, usually the same day.
One call. We compare real options from multiple carriers and explain what each one covers, in plain words.