Our agencies are Texas-based and are committed to the Texas market. We offer a variety of insurance products to all of our clients. Our line-up of top- rated, Texas-based and nationwide carriers can typically reduce clients' premiums an average of 40%. We offer the following products to our web-based, telephone, and walk- in clients:

• Homeowners, renters, mobile- & town-home insurance (owner and tenant occupancy)
• Commercial insurance (property, general liability & business pursuits)
• Flood insurance (residential and commercial)
• Health, life, and automotive insurance In addition to offering standard and specialty homeowners policies for the typical dwelling, we also offer policies for "hard-to-place" risks. Our carriers realize that many homes don't qualify for standard homeowners insurance for a variety of reasons. We offer attractive, cost-effective policies to clients with special circumstances such as those listed below:

• Older homes (pre-1950)
• Low-value, investment, or refurbished properties
• Landlord properties (multi-family living units)
• Homes with minor cosmetic problems
• Homes with a market value below replacement cost
• Seasonal homes
• Homes under renovation or builder's risk construction
• Vacant dwellings
• Consumers with credit issues or a history of recent insurance losses Our agents operate Monday - Friday, 9am - 7pm and Saturday 9am - 2pm. We are available during these hours for policy quotes, home inspection, and binding.