We are a family-owned and operated insurance brokerage, with more than 40 years of combined experience. Our passion is service through education, and we will work with you to ensure you are protected when needed most. Our areas of expertise include Personal, Commercial, and Life Insurance lines of business.
We will take the time to analyze your complete insurance picture, then curate options that make the most sense for YOU. If something else makes more sense, we're happy to let you know.
We work closely with various members of our community. Including Business Owners, Real Estate professionals, Investors, Military and First Responders, Teachers and many more. Our relationships stretch from the Rio Grande Valley to El Paso to Amarillo to Beaumont and in between.
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Our goal is to allow you to make decisions from a place of certainty, not fear, when tragedy strikes. We believe this is done through education.
C.L.U.E. stands for for Comprehensive Loss Underwriting Exchange, a report produced by LexisNexis®. This will allow insurance agents and carriers to see up to seven years of personal property claims history. This can be extremely beneficial when purchasing a house or pre-owned vehicle. You might discover un-repaired losses like water/foundation damage, and roof damage or a salvage title on a vehicle. It could even help to determine the age of the roof.
To request your FREE C.L.U.E. report keep scrolling to the Get a C.L.U.E section.
A deductible is an amount you are responsible for in the event of a loss. Insurance covers the remainder after the deductible is paid out-of-pocket.
Technically speaking, there is no "Full Coverage". This is considered a slang term in the industry. However, when most people refer to "Full Coverage", they are usually talking about Comprehensive and Collision coverages.
There are a plethora of factors that determine insurance premiums. In fact, far too many to list. The best way to think about insurance premiums is like a double-pan scale. On one side is the premium you've paid for five or ten years, on the other side is the amount the insurance carrier will pay for one major claim. No matter what, the scale will never be level.
*Fees can not exceed 50% of the annual premium.