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201 W Del Mar Blvd, Suite 20
Laredo, TX 78041

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3740 Colony Dr, Suite 280
San Antonio, TX 78230

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Laredo & San Antonio, TX Insurance Agents · AlphaSure Affordable Insurance Services

Your Local Partner for Personal and Commercial Insurance

AlphaSure Affordable Insurance Services is an independent insurance agency dedicated to providing quality service, guidance in finding cost-effective coverage for individuals and businesses throughout Texas. With offices in Laredo and San Antonio, we combine local expertise with the resources of top-rated national and reginal carriers. Since 2003, our mission has been to do the legwork for our clients to simplify the insurance buying process. With our expertise in the insurance business and partnerships with many insurance companies, we provide options to help our clients choose an affordable insurance policy. Our goal is simple: expert guidance, informed decisions, and 100% satisfaction. We help you protect what matters most while respecting your budget.

Dependable Coverage for Trucking, Business, Auto, and Home

We provide reliable insurance solutions for the things that matter most—your livelihood on the road, your business, and your home. Whether you're an owner-operator trucker, business owner, homeowner, or college student away from home, we offer affordable coverages:

Trucking Liability / Trucker’s Insurance: Professional-grade coverage built for the trucker, owner-operators, and trucking companies across Texas.
Commercial Auto Insurance: Car insurance for business vehicles, fleets, and transportation operations.
Business Insurance / Commercial Insurance: Coverage for Texas businesses including general liability, property, and industry-specific risks.
Auto Insurance: Affordable and dependable car insurance coverage for your personal vehicles.
Home Insurance: Covers your home and personal property against several perils. Homeowners policies also include other coverages such as personal liability.

Additional Insurance Options for Every Lifestyle

We also offer a wide range of additional insurance options to safeguard every aspect of your life and business:

Restaurant Insurance: Specialized liability and property protection designed for the unique risks of the food service industry.
Boat/Watercraft Insurance: Comprehensive coverage for your time on the water, protecting your vessel and your liability.
Condo Insurance: Focused protection for condo owners, covering your interior, personal belongings, and improvements.
Flood Insurance: Essential protection against water damage from flood or rising water which is not covered by standard homeowners insurance policies.
Health Insurance: Medical insurance covers the cost of healthcare by doctors or medical facilities.
Life Insurance: Helps protect the financial well-being of a family if someone passes unexpectedly.
Motorcycle Insurance: Coverage designed for motorcycles.
Renters Insurance: Affordable policies to safeguard your personal property and provide liability protection as a tenant.
RV Insurance: Specialized protection for your motorhome or travel trailer.
Umbrella Insurance: An extra layer of liability protection to safeguard your assets when your primary policy limits are exceeded.

Your Trusted Texas Insurance Partner Since 2003

As a Texas resident independent insurance agency, AlphaSure Affordable Insurance Services does the shopping for you. Although we are licensed to sell and service insurance across the entire state of Texas, we can provide a friendly face-to-face meeting in our local Laredo or San Antonio insurance office. Whether you are an individual looking for a better rate for your car or home insurance, or a trucker looking for trucking liability, with or without cargo, we are your trusted insurance partner.

Get an Insurance Quote Today

Ready to get started? AlphaSure Affordable Insurance Services makes it simple to request an online insurance quote for any of your insurance needs. Visit our quote page to get started quickly and easily.

If you have any questions or need assistance, please don’t hesitate to contact us. Our team is here to help you every step of the way.

OUR INSURANCE SERVICES

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1. What are the minimum car insurance requirements in Texas?

Texas law requires drivers to show proof they can pay for accidents they cause. Most people do this by buying Liability Insurance. The current minimum limits, often referred to as 30/60/25, are:

• $30,000 bodily injury for each person.
• $60,000 bodily injury per accident.
• $25,000 for property damage per accident.

2. Is Texas a "No-Fault" or "At-Fault" state?

Texas is an "At-Fault" state (also known as a tort state). This means the person responsible for the accident is legally liable for the damages. Once coverage is determined, the insurance company is typically responsible for paying the other party’s medical bills and repair costs, up to the policy limits.

3. What is PIP and do I really need it?

Personal Injury Protection (PIP)covers medical expenses and a percentage of lost wages for you and your passengers, regardless of who is at fault in the accident and up to the insurance policy limits.

Note: In Texas, insurance companies are required to offer you at least $2,500 in PIP. If you don't want it, you must reject it in writing. PIP is highly recommended because it provides immediate coverage for medical expenses or lost wages regardless of fault.

4. Does my insurance cover my bodily injury if I’m hit by an uninsured driver?

Uninsured/Underinsured Motorist (UM/UIM) coverage is designed for this instance. While the law requires all drivers to have insurance, many still drive without it. Up to policy limits, UM/UIM covers the cost of yours and your passenger’s bodily injury if the other driver is at fault, has no insurance or not enough insurance to cover your medical bills. Like PIP, you must reject this coverage in writing if you do not want it.

5. Will my rates go up if I get a speeding ticket?

Generally, yes. In Texas, moving violations like speeding or running a red light stay on your driving record for at least three years. Insurance companies view these as indicators of higher risk, which usually results in a premium increase.

Home Insurance FAQs

Understanding home insurance in Texas is a bit different than in other states, primarily due to our unique weather patterns—from Gulf Coast hurricanes to West Texas hailstorms.

Here are the top five most common questions homeowners ask about Texas homeowners insurance policies.

1. Does my policy cover flood damage?

In almost all cases, no. Standard Texas homeowners’ policies do not cover damage caused by flood or "rising water."

• The Solution: You must purchase a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP) or a private insurer.
• The Risk: Even if you aren't in a high-risk "flood zone," a significant portion of Texas flood claims come from low-to-moderate risk areas.

2. What is the difference between "Replacement Cost" and "Actual Cash Value"?

This is perhaps the most important distinction in your policy.

• Replacement Cost (RCV): Pays for the cost to repair or replace your home and belongings at today's prices, without deducting for age or wear and tear.
• Actual Cash Value (ACV): Factors in depreciation. ACV will pay for the cost of loss less depreciation, which can be significant. This is why Replacement Cost (RCV) is highly recommended whenever it is available.

Note: Many Texas policies now default to ACV for roofs over a certain age. Ensure you know which one you have, as an ACV roof claim could leave you with a massive out-of-pocket bill.

3. Why do I have two different deductibles?

Many Texas policies have a separate, higher deductible for Wind and Hail damage.

• Other Perils Deductible: The deductible for something other than wind or hail, like fire or theft. It is usually a percentage of the dwelling coverage limit but sometimes it can be a flat dollar deductible (e.g., $1,000).
• Wind/Hail Deductible: Often a percentage of your home's insured value (e.g., 1%, 2%, or 5%).
• Example: If the dwelling limit on your home insurance policy is $300,000 and you have a 2% wind/hail deductible, you will pay $6,000 out-of-pocket before insurance kicks in for wind/hail damage.

4. Is my roof covered if it's old?

It depends on your policy's "Roof Surface Endorsement."

• As of 2026, many Texas insurers are moving toward ACV-only coverage for roofs older than 10 or 15 years.
• If your roof is in poor condition, a company may refuse to renew your policy unless you replace it.
• Pro Tip: If you replace your roof with impact-resistant shingles (Class 4), many Texas insurers offer a significant premium discount. Make sure to keep a copy of the Impact-Resistant Roofing Installation certificate from the roofer. We also recommend getting city building permits whenever possible, keep copies of the paid roofing receipts in the roofer’s company letterhead and take pictures.

5. Will my home insurance company inspect my home?

• Most companies today include an exterior inspection of the home. The inspection is supposed to point out anything that increases the risk to the company. For example, an empty or unfenced swimming pool can lead to severe or fatal injury.
• The roof is in disrepair.
• Pro Tip: We recommend keeping the yard clean and be sure to show pride of ownership.