Auto Insurance
"The state minimum doesn't go nearly far enough."
- Texas state minimum: 30/60/25
- Our recommendation: 50/150/50 split limits
- ...or $500,000 combined single limit (same idea, written differently)
- Re-shopped automatically every renewal
Real coverage for Texas roads.
Texas roads are unforgiving. Distracted drivers, hail in spring, deer in fall, and a state minimum that doesn't go nearly far enough in a real accident. We build auto policies that actually protect you, then re-shop them every year so you're not slowly overpaying.
Whether you're driving a paid-off Civic to the store or hauling kids in a brand-new SUV, we'll find the right mix of coverage and price across 20+ carriers, all from one application.
What's covered
- Liability (bodily injury & property damage)
- Collision (your car when you hit something)
- Comprehensive (hail, theft, fire, deer)
- Uninsured/underinsured motorist
- Medical payments & PIP
- Rental reimbursement
- Roadside assistance & towing
- Custom equipment endorsements
State minimum is 30/60/25. We recommend either 50/150/50 split limits or a $500,000 combined single limit, whichever fits your situation. The extra coverage costs surprisingly little, and the gap between minimum and serious-accident reality is where families get financially destroyed.
Home Insurance
"Coverage to rebuild it, not just appraise it."
- Rebuild estimators used on every quote
- $300K+ personal liability recommended
- Flood coverage available (separate policy)
- Optional scheduled jewelry & electronics
Insurance that would actually rebuild your house.
We don't quote you what you bought your house for, and we don't quote you what your bank wants you to insure it for. We quote you what it would actually cost to rebuild it from a slab, using a rebuild estimator. That number matters when you have a fire or a tornado, and it's almost always different from the appraisal.
Then we walk you through it. Dwelling. Other structures. Personal property. Liability. What's covered, what isn't, and what the gaps are. Plain English. No surprises at claim time.
What's covered
- Dwelling (the house itself)
- Other structures (detached garage, fence, shed)
- Personal property (everything inside)
- Loss of use (hotel + meals during rebuild)
- Personal liability
- Medical payments to guests
- Optional: flood, sewer backup
- Scheduled jewelry, art, electronics
Standard home policies don't cover flooding from outside (rivers, heavy rain, storm surge). If you're anywhere near a creek or low-lying ground, ask us. Most flood policies need 30 days to take effect, so you can't buy one when the storm is on the way.
Life Insurance
"A conversation, not a form."
- Term, whole, and final expense available
- Coverage for spouse & dependents
- No-pressure consultation
- Best handled by phone or in person
The policy that's actually right for your people.
Term life, whole life, final expense. We work with multiple life carriers so we can match a policy to where you actually are: paying down a mortgage, raising kids, planning around a business, or just wanting to leave something behind for the people who matter.
Life is usually a conversation, not a form. Give us a call and we'll sit down and work out what makes sense. There's no online quote pressure, no sales pitch. Just honest answers about what you actually need.
What's available
- Term life (10, 20, 30-year terms)
- Whole life (permanent + cash value)
- Final expense / burial
- Spouse & dependent riders
- Mortgage protection options
- Business-related life policies
- Conversion options on term
- Plain-English policy reviews
Unlike auto and home, life insurance starts with a phone call. We talk through your family and finances, then we shop carriers based on what fits. Faster, smarter, and zero pressure.
Boat Insurance
"On the water, on the trailer, in the driveway."
- Not required by Texas law, strongly recommended
- Fishing & sonar endorsements available
- Personal effects coverage (phones, coolers, gear)
- On-water towing & fuel spill liability
Your home policy probably doesn't cover the boat the way you think.
On the water, on the trailer, in the driveway. We write boat policies that cover the hull, your fishing and sonar gear, fuel spill cleanup, on-water towing, and the personal effects that get tossed in (cell phones, coolers, jackets, sunglasses you swore you'd never lose).
Texas doesn't require boat insurance, but accidents on the water still happen and a homeowner's policy only covers minimal watercraft and almost never on the water. A dedicated boat policy is the only thing that fully covers it.
What's covered
- Hull (your boat itself)
- Liability on the water
- Fishing gear & sonar endorsement
- Personal effects (phones, coolers, etc.)
- On-water towing
- Fuel spill liability
- Theft of boat or equipment
- Trailer coverage
Homeowner's policies may provide minimal watercraft coverage on land. But the minute you put it in the water, you're almost certainly on your own. Don't find out at claim time.
Commercial Insurance
"Cover the thing that would actually shut you down."
- BOPs & general liability
- Workers comp (not required in TX, recommended)
- Commercial auto coverage
- Business interruption protection
Built for the trades, shops, and small businesses we know by name.
Small businesses run this town. We write BOPs, general liability, commercial auto, workers comp, and business interruption coverage for the people who actually keep the lights on in Greenville. Tell us what you do and we'll quote the right protections.
There's no point paying for things you'll never use, and no point being uninsured against the thing that could actually shut you down. We talk through the risks specific to your business, shop the market, and bring back a policy that fits.
What's covered
- Business Owner's Policy (BOP)
- General liability
- Commercial auto
- Workers compensation
- Business interruption (lost income)
- Cyber liability
- Professional liability (E&O)
- Certificates of insurance
Texas is unusual. Workers comp isn't legally required, but we strongly recommend it for any business with employees. Going without leaves you personally exposed to injury lawsuits with no statutory cap. Talk to us first.
Liability & Umbrella
"Cheap insurance against an expensive lawsuit."
- Umbrella adds $1M+ above auto/home limits
- Recommended once net worth > existing limits
- Covers legal defense costs too
- Often $200–$400/year for $1M of coverage
The bigger your life gets, the bigger the lawsuit can be.
Umbrella insurance adds $1M or more of liability coverage above your auto and home limits for surprisingly little money. Clients with rental properties, businesses, teenage drivers, or net worth above the basic limits all benefit from one. It's the policy that protects everything you've spent your life building.
We'll look at where your current liability tops out, where your real risk is, and recommend umbrella limits that close the gap. If a lawsuit blows through your auto or home, the umbrella picks up the rest, plus legal defense.
What's covered
- Liability above auto + home limits
- Personal injury claims (slander, libel)
- Property damage above existing limits
- Legal defense costs
- Rental property liability
- Volunteer activities
- Coverage in other countries
- Defamation & false arrest
$1M of umbrella coverage typically runs $200–$400 a year. If a teenage driver in your household causes a serious accident or someone slips at your pool, that policy can be the difference between a hassle and a financial disaster.
Bundle and save.
Auto + home together usually qualifies for the best discounts every carrier offers. We'll quote bundled and separate and show you which one wins.
The independent advantage
We don't work for an insurance company. We work for you, and we shop the whole market to prove it.
One application
Give us your info once. We do the legwork across every carrier we partner with so you don't have to fill out a dozen forms.
We shop, you save
We compare 20+ carriers up front, then re-shop your coverage at every renewal, not just when you ask. The best rate finds you.
Real people, real desks
When you call, you get Amanda, Shannon or Hillary, not a phone tree. And if nothing else, come by for a free drink.
Twenty top carriers compared on every quote.
We shop the whole market on your behalf, every time.
