Insurance questions, answered plainly

We are not tied to one insurance company. We compare several carriers for the same coverage and help you choose, then stay your point of contact for changes, renewals and claims.

No. Carriers pay us a commission that is built into the premium you would pay anyway. You get comparison shopping and advice at no extra cost.

Most auto and renters quotes take 10 to 15 minutes. Home quotes usually take one business day because we review roof and property details. Business quotes take 2 to 5 business days.

Driver license numbers and vehicle VINs for auto, the property address and roof age for home, and your current declarations page if you have one. It helps us compare apples to apples.

For emergencies, call 911 first, then your carrier's 24/7 claim line to open the claim. Then call us during business hours and we will follow up with the adjuster for you.

It can, depending on the carrier, the type of claim and your history. We can talk through whether a small claim close to your deductible is worth filing.

Take dated photos of the roof, gutters, windows, vehicles and any hailstones next to a ruler or coin. Keep receipts for emergency repairs like tarps.

Most policies are billed directly by the carrier. Visit our service center page for each carrier's payment link and phone line, or call us and we will help.

Text, email or call us with the VIN or driver's license information. Most changes are processed the same business day with new ID cards sent by email.

Yes. Business certificates and mortgage proof are usually issued the same business day.

An SR-22 is a certificate your insurer files with Texas DPS proving you carry at least minimum liability coverage. It is usually required for 2 years after certain violations.

Several of our carriers accept international licenses for a limited time and offer ITIN-based policies. Ask us for current options.

Most U.S. auto policies do not meet Mexican insurance requirements. You need a separate Mexico tourist auto policy for trips across the border.

No. Flooding from rising water requires a separate flood policy, which usually has a 30-day waiting period.

Many carriers offer discounts for Class 4 impact-resistant shingles. Keep your installation certificate and send it to us.

It is happening more often in Texas. Call us as soon as you get the notice and we will shop replacement coverage before the policy ends.

Sí. La mitad de nuestro equipo habla español y puede atenderle por teléfono, WhatsApp o en nuestra oficina.

Sí. Las pólizas suelen emitirse en inglés, pero su agente le explica cada cobertura y deducible en español y le envía un resumen por escrito.