Get Texas Insurance Quotes

Auto Insurance

Home Insurance

Commercial Insurance

Boat/Watercraft Insurance

Trucking liability & Commercial Auto Insurance

Umbrella Insurance

We are licensed to sell and service insurance throughout Texas, with local offices located in Laredo and San Antonio. Car and home insurance quotes can be obtained online or with a quick phone call but if you would rather meet face-to-face, feel free to visit us at our local office.

Instant Car or Home Insurance Quote Online

Our online consumer portal is designed for speed. If you need a quick estimate for your personal insurance needs, you can use our tool to receive instant online quotes for:

Auto Insurance: Stay protected on Texas roads with coverage that fits your budget.
Homeowners Insurance: Secure your family’s future with policies tailored for San Antonio and Laredo residences.

Please note: Our online quote tool is currently limited to car and home insurance. For other lines of business, such as commercial trucking or business insurance, please contact our office directly.

Call Us to Make Sure You Got the Lowest Rate Possible on Car or Home Insurance!

While our online portal provides a quick snapshot of available rates from a select number of carriers, it only represents a small fraction of what we offer.

As an independent insurance agency, we have partnerships with dozens of top-rated insurance companies. If you want to compare quotes among several other insurance companies to ensure you are getting the absolute best value, our local agents are ready to do the legwork for you.

Why Call Us for a Complete Auto Insurance Quote Comparison?

More Carriers: Access a wider variety of insurance providers not available through the instant online tool.
Localized Expertise: We understand the specific risks and discount opportunities available in Texas.
Personalized Savings: We will look for the best value by checking if bundling the auto and home insurance with the same company makes financial sense and confirm the bottom-line cost.

Talk to, or Visit with a Laredo or San Antonio Insurance Agent Today

Don’t settle for the first quote you see. To get a comprehensive market comparison and see how much you could truly save, give us a call or visit one of our South Texas offices.

Laredo Office: (956) 729-9500

San Antonio Office: (210) 888-1750

Auto Insurance FAQs

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.