Personal Insurance
Homeowner's Insurance
Your home is likely your biggest investment. Homeowners insurance protects your house, your belongings, and your financial security if something goes wrong — fire, theft, storm damage, or an accident on your property. It also covers liability if someone gets hurt on your premises. In Texas, where weather can turn fast, having solid home coverage isn't optional — it's essential.
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Automobile Insurance
Whether you drive a daily commuter or a vehicle you've had for years, auto insurance protects you when the unexpected happens — accidents, theft, vandalism, or weather damage. Texas law requires minimum liability coverage, but minimum isn't always enough. We'll help you find a policy that actually protects you, not just checks the legal box.
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Renter's Insurance
Own less, risk less? Not quite. If you're renting in DFW, McKinney, or anywhere in Texas, your landlord's insurance doesn't cover your belongings — your furniture, electronics, clothing, and valuables are your responsibility. Renters insurance is one of the most affordable policies you can carry, and one of the most overlooked.
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Landlord Insurance
Renting out a property you own is a smart investment — until something goes wrong. Standard homeowners insurance won't cover a property you're not living in. Landlord insurance fills that gap with property and liability protection designed specifically for rental situations, so one bad tenant or one bad incident doesn't wipe out your returns.
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Vacant Home Insurance
Selling a property, renovating between tenants, or temporarily relocating? A home that sits empty is a home that standard insurance often won't fully cover. Vacant home insurance is built for exactly this situation — protecting the structure and your liability while the property isn't being lived in day-to-day.
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Flood Insurance
Texas flooding doesn't care what your zip code is. From DFW to McKinney to the Gulf Coast, heavy rain, storm surges, and drainage failures cause billions in damage every year — and standard homeowners insurance covers none of it. Flood insurance is a separate policy, and in Texas, it's one worth taking seriously before the water rises.
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Umbrella Insurance
Your home and auto policies have limits. A serious accident, a lawsuit, a liability claim that spirals — these situations can exceed what your standard policies can handle. Umbrella insurance adds a layer of protection above your existing coverage, covering damages, legal costs, and even claims like libel or invasion of privacy that other policies don't touch.
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RV Insurance
Your RV is more than a vehicle — it's how you travel, relax, and sometimes live. RV insurance covers you for accidents, injuries to others, and damage to your vehicle whether you're using it recreationally on weekends or as a full-time home on the road. Coverage options vary based on how you use it — we'll help you figure out what actually fits.
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Boat Insurance
Texas has no shortage of lakes, rivers, and coastline — and no shortage of things that can go wrong on the water. Boat insurance protects you, your passengers, and your watercraft from accidents, damage, and liability claims. Whether you own a fishing boat, a ski boat, or a personal watercraft, the right coverage means you can enjoy the water without worrying about what happens if something goes sideways.