Do I really need renters insurance?

If you don't own the building, your landlord's policy doesn't cover your belongings or your liability. Renters insurance is usually $15–$25 a month — well worth it.

Is flood included in my home policy?

Almost never. Flood requires a separate NFIP or private market policy. We can place either.

How much life insurance do I need?

A common rule is 10× annual income, plus mortgage and education costs, but the right number depends on your dependents and existing assets. We'll walk you through it.

Personal Insurance

Coverage for you, your family, and your home.

Renters, homeowners, auto, flood, life, and mortgage protection — compared across carriers and explained in plain language.

Coverage 01

Renters Insurance

Affordable coverage for the things you own and the liability you carry, even if you don't own the building.

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Who needs it

Anyone leasing an apartment, house, or condo. Many landlords now require it.

What it typically covers

· Personal belongings (theft, fire, water damage)
· Personal liability if someone is injured in your unit
· Loss of use if your unit becomes unlivable

What it usually doesn't cover

· Damage to the building itself (landlord's policy)
· Flood from rising water (separate flood policy)

Coverage 02

Homeowners Insurance

Replace the structure, the contents, and protect against liability — built around your actual home value, not a generic estimate.

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Who needs it

Anyone who owns a home, townhouse, or condo.

What it typically covers

· Dwelling and other structures
· Personal property
· Liability and medical to others
· Loss of use / additional living expenses

What it usually doesn't cover

· Flood (separate policy)
· Earthquake (separate)
· Wear and tear / maintenance issues

Coverage 03

Auto Insurance

We compare carriers to find the right balance of coverage, deductible, and premium for how you actually drive.

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Who needs it

Every Texas driver and most U.S. drivers — coverage requirements vary by state.

What it typically covers

· Liability (bodily injury & property damage)
· Collision and comprehensive
· Uninsured / underinsured motorist
· Medical payments / PIP

Coverage 04

Flood Insurance

Houston knows flood. Get real coverage, not a surprise after the next storm.

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Who needs it

Anyone in a flood zone — and many people outside one. Standard home policies don't cover flood.

What it typically covers

· Building property
· Contents coverage
· NFIP and private market options

Coverage 05

Life Insurance

Protect the people who depend on you with coverage that fits your stage of life and budget.

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Who needs it

Anyone with a family, a mortgage, or income others depend on.

What it typically covers

· Term life (10, 20, 30 years)
· Whole / permanent options
· Mortgage protection riders

Coverage 06

Mortgage Protection

A targeted policy designed to keep your family in the home no matter what.

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Who needs it

Homeowners who want their mortgage paid off if something happens to them.

What it typically covers

· Death benefit aligned to mortgage balance
· Optional disability and critical illness riders

Frequently asked questions

Ready to make sure you're properly covered?

Get a personalized quote, or upload your current policy and we'll review it for gaps.

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