Free Quotes -
Unlike sites programmed to provide free insurance quotes online, we get a real person (an expert agent) on the job. Every. Single Time.
Our quotes are still delivered confidentially, fast and for free. They're just more customized to you, your business, and your family.
You tell us a little about you and what you need, and we get going. And if we know we can't find you better coverage and rates than you already have, we'll send you on your way.
You get a direct line to your own insurance consultant: a real person who loves what they do and will communicate with you how you like, whether by email, phone or text.
Their goal: to learn about your needs, help you save money & time, manage your claims, & present you with policies that give you the best coverage at the lowest rates. Now, and as you grow. Services are custom, unbiased, free, and only for Texans.
Finding the right insurance can be confusing and complicated. Even car insurance. Every one is different.
Whether you're shopping insurance for a new driver, a high risk driver, your entire family, your business, your beloved 20 year old Honda, or your new luxury car, we can quote plans from multiple carriers to create a custom insurance package specific to you.
We sell pretty much every kind of insurance except for health insurance. That means we can help shop for and manage your car, home, life, and business insurance. That way, when life happens and you need to file a claim in any of these arenas, you can always call your one trusted FACT insurance guy or gal for advice and assistance.
We only partner with carefully selected insurance carriers we respect and trust to fulfill their promises and provide the coverage our clients need.
Our insurance company partners have policies designed to cover residents and businesses throughout the state of Texas.
We know Texas insurance. We're licensed, independent agents who have studied and sold insurance in Texas for over 20 years. Additionally, we've worked with thousands of clients, and have worked to get to know each and every one.
Our services are free. Our goal is to help you find the Goldilocks of plans: no more and no less than you need.
We've helped Texans find and get the most out of their insurance policies for over 20 years. Our reviews on Google average 4.8 out of 5 stars, which we believe is a reflection of our policy to always put our clients first.
We're a small business of licensed, independent agents who continuously work to stay up-to-date on insurance best practices, carriers, and regulations in Texas.
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Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.
It's really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
It's important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.
Your Independent Agent is an advocate for finding home insurance that meets your specific needs.
Here are a few things to consider as you prepare for the discussion:
How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)