- Monthly Pay Plans with NO DOWN PAYMENT.
- Multi Car Discounts
- Discount for having your Home insurance with us.
- SR-22’s
- Defensive Driving Discount
- Driver Averaging. This spreads the price for having
  younger drivers over all cars reducing costs.

Homeowners Insurance

Obtaining Home insurance in Texas is not as easy as it once was. Surprisingly, we have a way to insure just about anyone who wants solid, comprehensive coverage for their most valuable asset, their home. Past Home Losses or Claims? No problem. Adverse Credit? We can handle that too!

In addition to working with your mortgage company for a new closing, here are some other benefits and discounts we offer:

- 20% discount on your Home for insuring your autos with us.
- Monitored and Un-monitored alarm discounts.
- New Home discount.
- Foundation coverage for damage caused by leaking or broken
  pipes.
- Long Term water coverage for undetected leaks.
- We can remove optional coverages you may not want!
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Renters Insurance

Dwelling or Investment Property Insurance

Coverage for properties you own, but rent to others, is covered under a “Dwelling Fire Policy”. It provides basic fire , theft and water coverage for the structure and that is about it. In order to get liability coverage for injuries that may occur on the property, you need to either extend that coverage from your primary residence ( about $14 per year) or buy a commercial liability policy if you have more than 2 investment properties to insure.
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Condominium Coverage

A condominium policy provides protection for the structure and your personal contents in the unit. The structure coverage starts from “the inside walls in” and covers any built in items such as carpet, ceiling fans, cabinetry, appliances, etc. It also covers your personal property like furniture, clothes, electronics, etc. A condominium policy is also used for townhouses or any structure where a homeowners association provides a “master policy” for the structure itself such as the roof, walls, and attic items.
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Flood Insurance

Flood insurance premiums and coverage are the same with every carrier. The coverage is actually provided by the Federal Emergency Management Association (FEMA) and distributed through agents like us. If you are not in the flood zone, as determined by the flood control district, you will qualify for “preferred rates” which do not require obtaining an elevation certificate.

If you are in the flood zone, an elevation and a manual calculation is required to determine your annual premium. Your mortgage company is usually the one to let you know if a flood policy is required.

Also, Flood policies only cover the structure insured for replacement cost. Contents are covered on an “actual cash value” basis which means items are depreciated when settling a claim.
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Scheduled Jewelry, Guns, etc

This type of policy is offered to clients that already have their primary residence insured with our firm. It is an “accommodation line” which provides protection to items that have been specifically listed and described on the policy. There is no deductible to contend with as on other policies and damage to the item, but just about any cause, is provided. When it comes to jewelry, any item valued at over $2,500 needs an appraisal that is less than 5 years old.
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Commercial Insurance

Commercial or Business insurance is vital for any firm in todays litigious society. Our firm offers the following types of business insurance:

- Package policies for professionals
- Artisan Contractor polices providing
  contents and liability coverage
- Business auto policies
- Workers Compensation

Some of the businesses in which we have been most competitive include A/C & Heating, Plumbing, Construction Firms, Convenience Stores, Restaurants, and Automatic Car Washes. Any professional firm such as Doctors, Dentists, Attorneys, or Accountants should let our commercial staff walk you through the coverages that best fit your needs as this a complicated product.
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