Houston insurance, shopped across 25+ carriers.
Our office is in Cypress, on the northwest side, so Houston is home turf. We know which carriers still want Harris County roofs, how wind and hail deductibles really work, and why flood insurance is a separate conversation. Tell us about your home, cars or family once and we shop it for you.
- 4.7-star Google rating
- Writing Texas policies since 2005
- Licensed Texas agency
- No cost, no obligation
What are we quoting today?
Pick one to get started. Two minutes, no obligation. We compare across our carriers, then we call you.
Something else? Renters, commercial, umbrella, boat, RV, windstorm and flood: call (281) 304-8991.
- 2005Year we opened
- 25+Carriers we quote
- 4.7 ★Google rating
- StatewideEvery corner of Texas
What we watch for in the Houston metro.
Houston is one of the toughest home insurance markets in the country, and it changes every year. Carriers come and go, roof rules tighten, and the price of the same house can vary by thousands of dollars depending on who you ask. That is exactly why an independent agency earns its keep here: we compare your situation across the carriers we represent instead of trying to make one company's appetite fit your house.
Flood is a separate policy, everywhere in Houston
Homeowners policies exclude flood, and Harvey proved that a flood zone on a map is not the same as a home that cannot flood. We quote flood through the NFIP and private flood carriers, explain the 30-day waiting period, and help you decide whether a preferred-risk policy makes sense even outside a high-risk zone.
Wind and hail deductibles that are a percentage, not a number
Most Houston-area policies carry a separate wind/hail or named-storm deductible of 1 to 2 percent of your dwelling limit. On a $400,000 home that is $4,000 to $8,000 out of pocket before coverage starts. We will show you what each carrier's deductible really costs so there are no surprises after a storm.
Roof age decides a lot
Carriers in Harris, Fort Bend and Montgomery counties are strict about roof age and whether the roof is settled at replacement cost or actual cash value. If your roof is over 10 years old, we know which carriers will still write it and what documentation helps.
Freeway miles and uninsured drivers
Between I-10, 290, the Beltway and the Grand Parkway, Houston households drive a lot, and a meaningful share of Texas drivers carry no insurance at all. We make sure uninsured/underinsured motorist and PIP are quoted properly, and we bundle home and auto where it actually saves money.
One request. Every carrier we represent. Your decision.
You never need to come to our office. Here is the whole process.
Tell us what you're insuring
A two-minute form for home, auto or life, or a phone call. Send your current declarations page and we'll compare it line by line.
We shop it for you
We run your Houston metro address and details across our carriers and pull the options that actually fit, not just the cheapest headline number.
You choose, we handle the rest
We call you with your options, explain the differences in plain English, and bind by e-signature when you're ready. ID cards and documents arrive by email.
Communities we serve.
Across Harris, Fort Bend, Montgomery, Brazoria, Galveston, Waller, Liberty and Chambers counties. If your town is not listed, we still write it.
- Houston
- Cypress
- Katy
- Sugar Land
- The Woodlands
- Spring
- Tomball
- Humble
- Kingwood
- Pearland
- Pasadena
- Baytown
- League City
- Friendswood
- Missouri City
- Richmond
- Rosenberg
- Conroe
- Magnolia
- Fulshear
- Jersey Village
- Bellaire
- Clear Lake
- Galveston
Straight answers.
My home is in a flood zone. Can you still insure it?
Yes. The homeowners policy is written on the house, and flood is placed separately through the NFIP or a private flood carrier. Being in an AE or VE zone affects the flood premium, not whether we can write your home coverage.
Do you write homes with older roofs?
Usually. Several of our carriers write roofs in the 10 to 20 year range, sometimes with an actual-cash-value roof settlement. We will tell you exactly how each option handles a roof claim before you choose.
Can we meet in person?
Absolutely. Our office is at 14415 Huffmeister Rd, Suite 100 in Cypress, off 290 near Telge. Most clients handle everything by phone, email and e-signature, but you are always welcome to stop by.
Do you handle commercial insurance for Houston businesses?
Yes. We write general liability, commercial property, business auto and workers' compensation for small and mid-size businesses across the metro. Call the office and we will quote it directly.
Find out what you should be paying.
Two minutes to start. We compare, we call, you decide. No cost and no obligation, ever.