We represent multiple insurance companies rather than just one, allowing us to shop around for the best rate and coverage for you.
No. We are compensated by the insurance carriers. Our services to help you find and manage your policy are typically at no extra cost to you.
You can call us for guidance, but you will ultimately file the claim directly with the carrier’s claims department.
Rates fluctuate based on regional inflation, parts costs, and the number of claims in your area (like Texas hailstorms).
Collision covers accidents with other cars/objects. Comprehensive covers “acts of God” like fire, theft, or hail.
Standard personal policies usually exclude “ride-sharing.” You likely need a specific endorsement.
It pays the difference between your car’s value and what you still owe on your loan if the car is totaled.
Most policies extend your current coverage to rentals in the U.S. and Canada, but it’s always best to verify first.
No. Flood insurance is a separate policy usually managed through FEMA or private flood carriers.
Replacement cost pays to rebuild your home at today’s prices. Actual Cash Value pays based on the depreciated value of the items.
Standard policies have low limits for high-value items. You may need to “schedule” or add a floater for these specific pieces.
In Texas, many policies have a separate, higher deductible specifically for wind and hail damage, often calculated as a percentage of the home’s value.
Generally, yes. If the tree hits a covered structure, the policy usually pays for removal and repairs.
Term covers a set period (10, 20, 30 years). Whole Life covers you forever and builds a cash value.
A common rule is 10–12 times your annual income, but it depends on your debts, mortgage, and children’s future needs.
Not always. Many carriers now offer “no-exam” or “simplified issue” policies, though they may be slightly more expensive.
In most cases, the death benefit paid to beneficiaries is not subject to federal income tax.
