Allen Thomas Group
Agency overview
About Allen Thomas Group
Allen Thomas Group serves Galveston households, coastal property owners, and businesses through an independent, family-owned agency model. Licensed in Texas and 26 other states, the agency compares multiple carriers rather than representing one insurer. Its process combines risk discovery, side-by-side option reviews, policy placement, and continuing service for clients managing personal or commercial exposures.
At a glance
Agency highlights
Established in 2003
The agency has operated independently for more than two decades.
Broad carrier panel
Clients can compare options from more than 15 A-rated carriers.
Multistate licensing
The agency reports licenses in 27 states.
Shopper fit
Why shoppers might consider Allen Thomas Group
The agency may fit Galveston property owners who need separate coastal arrangements evaluated together, particularly when windstorm, flood, rebuilding costs, and changing property values complicate placement. It also supports businesses seeking structured comparisons and policy adjustments as operations evolve.
Agency support
How this agency can help
Compare proposals
Review carrier options side by side, including deductibles, exclusions, limits, and endorsements.
Assess rebuilding needs
Estimate dwelling limits using construction details, improvements, and current local building costs.
Structure coastal placement
Evaluate windstorm and flood arrangements across association, federal, and private markets.
Maintain coverage
Process endorsements, assist with claims, and re-market policies during annual reviews.
Demonstrated specialties
Where this agency stands out
Galveston coastal property
For island properties, the agency demonstrates a coordinated approach involving base property coverage, TWIA and private wind alternatives, NFIP and private excess flood options, replacement-cost analysis for historic homes, and documentation or mitigation considerations for newer construction.
Insurance offered
Coverages
Auto insurance
Boat insurance
Builder's risk
Business interruption and continuity coverage
Business owner's policy
Cargo insurance
Collector specialized roadside or repair support
Commercial auto
Commercial property insurance
Condo insurance
Contractor pollution liability
Cyber insurance
Employment practices liability insurance
Flood insurance
General liability
Hired and non-owned auto
Homeowners insurance
Life insurance
Liquor liability insurance
Management liability
Personal cyber and identity fraud
Professional liability
Renters insurance
Roadside assistance
Tools and equipment
Umbrella insurance
Valuable articles
Wind and hail insurance
Workers’ compensation
Who this agency serves
Clients and risks served
Classic, collector and exotic vehicles
Coastal homes
Electricians
General contractors
High-value homes
HVAC contractors
Landlords and real estate investors
Manufactured and mobile homes
Manufacturing and distribution
Older homes
Plumbers
Roofing contractors
Short-term rentals
Teen and new drivers
How the agency can help
Services
Class-code review
COI and policy rejection review
Contract review
Experience-mod management
Good-student discount assistance
Ongoing policy service and annual review
Safety/loss-control support
Waiver of subrogation support
Wind mitigation guidance
Where coverage may be placed
Placement options
Agreed-value collector coverage
Extended or guaranteed replacement cost
High-value carrier access
NFIP
Nonstandard-market access
Private flood
Specialty market access
TWIA
