Your Houston home, quoted today.
Wind, hail, and flood are Houston's reality. Get a homeowners policy built for it, from a local agent who actually picks up the phone.
- Coverage for Gulf Coast wind & hail damage
- The flood guidance most Houston homeowners miss
- Same-day quotes, usually one phone call
A+ local Houston agency · Bilingual agents · Auto, home, renters & commercial
Get your free quote
Takes 60 seconds. A Houston agent calls you right back.
Prefer to talk? Call (281) 833-5060
Local Houston agents
15 offices across Houston. You get a real person who knows your neighborhood, not a call center.
Built for Houston weather
We quote for the wind, hail, and flood exposure that's unique to the Gulf Coast, so nothing surprises you later.
Fast & affordable
Simple, affordable plans and same day coverage when you need proof for a closing or lender.
Houston homes face what others don't
Standard policies written for other cities miss the three things that actually hit Houston. We make sure yours doesn't.
Wind
Gulf storms and hurricane-force gusts tear off roofs and siding every season. We confirm your wind coverage limits actually hold up.
Roof & structureHail
Houston hail events total roofs in minutes. We make sure repair and replacement aren't quietly capped on your policy.
Same-day claims helpFlood
Here's the catch most homeowners learn too late: flood is almost never included in a standard policy. We walk you through the separate coverage you need.
Often missedQuestions we get every day
If yours is not here, call us. A real agent picks up.
Does my homeowners policy cover flood damage?
Almost never. Flood is excluded from a standard home policy in Texas and has to be bought separately, either through the National Flood Insurance Program or a private flood policy. Houston floods in places people do not expect it to, so we go through your address with you before you sign anything.
My insurance is paid through my mortgage escrow. Can I still switch to you?
Yes, and it is routine. We write the new policy, send the proof to your mortgage company, and they pay it out of escrow the same way they do now. Whatever you already paid for months you did not use comes back, usually into that same escrow account.
How fast can you get proof of insurance to my lender or title company?
Same day, and often within the hour. If you are closing on a house we send it straight to the title company and the lender, so nothing on our side is holding up your closing date.
Does my policy cover wind and hail damage to my roof?
In most of the Houston area, yes, it is part of the home policy. On the coast, and in the part of Harris County on Galveston Bay, standard policies exclude wind and hail and you need separate windstorm coverage. Worth knowing: the state windstorm association, TWIA, will not write a new policy while there is a hurricane in the Gulf, so it is not something to leave until a storm has a name.
What do you need from me to quote my home?
The address, roughly when the house was built, how old the roof is, and your current policy if you have one. That is usually enough to give you a real number on the first call instead of a range.
Do you have Spanish speaking agents?
Yes, at every office. You can handle the whole policy in Spanish, from the first quote through a claim, with someone local.
Protect your home before the next storm
Get a free, no-obligation quote from a local Houston agent today.