Personal Insurance

Covers your home's structure, personal belongings, liability if someone is hurt on your property, and additional living expenses if you're displaced.

For most families, the home is their largest asset — being underinsured on it is one of the most expensive mistakes to make.

We check your dwelling coverage against actual rebuild cost, not just market value, so you're not surprised after a loss.

Covers liability, collision, comprehensive damage, and protection against uninsured or underinsured drivers.

Texas requires minimum liability coverage, but state minimums rarely cover the real cost of a serious accident.

We help you set limits that actually protect your assets, not just meet the legal minimum.

Covers personal property and liability for tenants, since a landlord's policy only covers the building itself.

Many renters assume they're covered by their landlord's policy and find out otherwise after a fire or theft.

We get you affordable coverage for your belongings and liability, often for less than a monthly streaming bill.

Adds extra liability coverage above the limits of your home and auto policies.

A serious accident or lawsuit can easily exceed standard policy limits, putting your savings and future income at risk.

We evaluate your assets and exposure to recommend an umbrella limit that actually closes the gap.

Covers property you own and rent to tenants, including the structure, lost rental income, and landlord liability.

A standard homeowners policy doesn't cover a property once you start renting it out — a common and costly gap.

We make sure your rental property is properly classified and covered before, not after, a claim.