Homeowners insurance built for Texas realities.
Texas homes face hail, hurricane wind, flood, and everything in between. As an independent agency licensed with every major Texas carrier — including specialists like Tower Hill, Swyfft, and Orchid — we build a policy that actually pays out when the storm rolls through.
An independent approach to home insurance.
Texas homes face hail, hurricane wind, flood, and everything in between. As an independent agency licensed with every major Texas carrier — including specialists like Tower Hill, Swyfft, and Orchid — we build a policy that actually pays out when the storm rolls through.
We're not tied to a single carrier — which means our home insurance recommendations are built around what's actually right for you, not whichever company we happen to represent. Every quote is shopped across a dozen top-rated Texas insurers, then presented to you side-by-side in plain English so you can see exactly what you're paying for and why.
- Full replacement-cost coverage on your dwelling and belongings
- Named-storm and windstorm coverage options for coastal Texas
- Separate flood policies through FEMA and Neptune
- High-value home specialists for properties over $1M
- Loss-of-use coverage so you're not paying rent and mortgage
- Personal liability and umbrella policies to protect your assets
Coverages inside a home insurance policy.
Click any coverage below to read what it covers, why it matters, and how it applies to your situation.
Dwelling Coverage
Pays to rebuild your home after a covered loss.
Learn morePersonal Property Coverage
Covers your belongings — furniture, electronics, clothing, and more.
Learn morePersonal Liability
Protects you if someone is injured on your property or you damage others' property.
Learn moreWindstorm & Hail Coverage
Coverage for named-storm and hail damage — critical in Texas.
Learn moreFlood Endorsement
Standard homeowners does NOT cover flood — you need a separate policy.
Learn moreLoss of Use / Additional Living Expenses
Pays for hotels, meals, and rent if your home becomes unlivable.
Learn more
You should call us if…
You just bought a home or refinanced
You've made renovations — a new kitchen, addition, or pool
You're paying more than $2,400/year and haven't shopped in a while
You live in a flood zone but don't have flood insurance
You have jewelry, art, or collectibles worth over $2,500
How we do this.
Home walk-through
We collect square footage, build materials, roof age, and any recent updates.
Multi-carrier quote
We shop your policy across every Texas carrier — standard and specialty markets both.
Coverage review
We line up quotes side-by-side and flag any gaps in dwelling, contents, or liability.
Bind & monitor
Once you choose, we bind coverage, notify your mortgage, and re-shop at every renewal.
A quiet, honest way to shop for insurance.
We're not the cheapest — we're the fairest. We show you exactly what carriers quoted, explain the trade-offs, and never sell you coverage you don't need.
"They walked me through every quote line by line. First time I've ever felt like my insurance agent was actually on my side."
Home Insurance questions, answered.
Call (713) 773-1900 — a real person will answer during business hours.
Related services
Home Insurance by city
Get your home insurance quote today.
We'll compare home insurance across a dozen top-rated Texas carriers and get back to you within one business day.