Independent Houston insurance directory
Compare local agencies, meet the professionals behind them, and contact the agency you choose directly.
Start with coverage
Choose a coverage type or a more specific insurance need to find relevant Houston agencies.
Browse general business coverage or choose an industry-specific comparison.
27 agencies
Compare coverage, service areas, specialties, and agency professionals. Review a full profile when you find a fit.
Insurance agency
Houston, TX
Actsphere Insurance Group is a Houston insurance agency serving individuals, property owners, businesses, and employee wellness teams across Texas, Michigan, Ohio, and Pennsylvania. The agency uses a multi-carrier approach, reviews existing protection and risk details, and supports clients through coverage comparisons, policy changes, claims, audits, and evolving personal or commercial circumstances.
Insurance agency
Houston, TX
Affordable Insurance of Texas is a Texas-based multi-line agency serving personal and commercial clients. The agency represents multiple insurance companies, reviews customer needs, and helps compare available coverage options. Its website provides information and request pathways for households, vehicle owners, employers, and businesses of varied sizes.
Auto insurance agency
Sugar Land, TX
Affordable Insurance of Tx is a Sugar Land insurance agency serving Texas households, high-risk drivers, contractors, and business owners. It shops multiple carriers, welcomes hard-to-place situations, and provides same-day SR-22 filing support. Most policies can be arranged with monthly installments, while customers may also request bundled personal-policy quotes.
Auto insurance agency
Pasadena, TX
Affordable Quality Insurance is an independent Pasadena, Texas agency serving individuals, property owners, contractors, and other businesses across Greater Houston and nearby communities. It provides English- and Spanish-language support, helps customers compare personal and commercial insurance options, and offers ongoing policy service. Its documented focus includes contractor risks, business vehicle operations, and flood exposures affecting Gulf Coast properties.
Auto insurance agency
Galveston, TX
Ai United Insurance is a Texas-focused agency with an online process for gathering customer needs, presenting curated options, and securing coverage. Its website also connects shoppers with team members for questions and policy guidance. The agency reports helping more than 200,000 Texans insure their possessions since 2007.
Insurance agency
Dayton, TX
Allsurance Agency is a Dayton, Texas division of Bowen, Miclette & Britt. It serves small businesses through personalized insurance guidance backed by BMB’s commercial brokerage, employee benefits, surety, and risk-management resources. Available services include contract review, loss-control support, annual program reassessment, benefits administration, and specialized assistance for construction and marine operations.
Auto insurance agency
Pasadena, TX
Amtex Insurance’s Pasadena office serves individuals, families, and businesses from 6410 Spencer Highway. Customers can request quotes and review options with licensed agents in English or Spanish, using in-person, phone, or online channels. The agency has operated in Texas since 1999 and works with more than 30 carriers.
Auto insurance agency
Houston, TX
Beathard Insurance is an independent agency in Conroe serving individuals and businesses across Texas. Local agents compare options from multiple carriers, review existing protection, and develop customized personal and commercial plans. The agency also handles life insurance and group benefits, supports varied business risks, and provides an online certificate of insurance request process.
Insurance agency
Texas City, TX
Brad Spurgeon Insurance Agency is a Texas City insurance agency serving households and property owners, particularly along the Texas Gulf Coast. Its website emphasizes private-market windstorm and hail alternatives to TWIA, a windstorm-included homeowners option, flood protection, and guidance for properties with distinct uses or exposures, including second homes and valuable possessions.
Insurance agency
Galveston, TX
GIA Insurance is an independent Galveston-area agency founded in 1892, with offices in Galveston and Friendswood. Its staff of more than 40 works through separate personal and business departments. The agency serves homeowners and organizations of varied sizes, offers access to multiple insurance companies, and maintains a catastrophe plan informed by major Gulf Coast storms.
Insurance agency
Galveston, TX
Insurance Junction is a Galveston-based independent insurance agency serving Texas individuals and businesses since 1996. The agency emphasizes coastal communities and works with multiple insurance companies. Its stated property experience includes coastal exposures, new construction, historic homes, and vacation rentals, alongside support for personal and commercial insurance needs.
Insurance agency
Galveston, TX
Island Insurance Services is a locally and family-owned independent insurance agency based in Galveston, Texas. It serves Gulf Coast and Houston-area communities as well as clients statewide, with an emphasis on personal and coastal property risks. The agency represents multiple insurance companies, offers online quote requests, and assigns clients a dedicated team for service and coverage discussions.
Agency products and service areas may change. Confirm availability, coverage, and pricing directly with the agency.
Local insurance guidance
7 minute guide
A percentage deductible is usually applied to the insured dwelling limit, not the repair bill. Convert it to dollars before comparing premiums, then check which events trigger it and whether a separate named-storm deductible exists.
Read guide8 minute guide
There is no single roof-age cutoff used by every Texas insurer. Age matters because it can affect eligibility, inspection results, claim settlement, deductibles, and whether the roof is covered at replacement cost or depreciated value.
Read guide9 minute guide
Some sudden and accidental water losses may be covered, while flood, continuous leakage, maintenance, and other causes are commonly excluded or limited. The source and timing of the water matter more than the fact that something became wet.
Read guide9 minute guide
A nonrenewal ends coverage at the policy expiration date, not immediately. Use the notice period to learn the exact reason, correct inaccurate information, and bind replacement coverage before the current policy ends.
Read guide10 minute guide
Houston contractor insurance should follow the work: trades performed, project size, job sites, subcontractors, vehicles, tools, employees, contractual obligations, and the weather or access conditions that could interrupt active projects. A certificate alone does not establish that every requirement is covered.
Read guide7 minute guide
For a Texas homeowners quote, give every agent the same accurate information and current declarations page. A quick estimate can change after property data, claims, inspections, household exposures, and replacement cost are verified.
Read guide10 minute guide
A bundle can simplify service and unlock discounts, but the right comparison is the combined annual cost and coverage quality across every policy.
Read guide10 minute guide
The best shopping channel depends on whether you value broader market access, a particular insurer, self-service speed, or hands-on advice for a complicated risk.
Read guide14 minute guide
Business insurance works best when it follows the operation: what the company owns, where it works, who it serves, how it travels, and which obligations appear in its contracts.
Read guide12 minute guide
Houston households often need to evaluate several distinct sources of water and storm loss. The key is identifying which policy, deductible, and exclusion applies to each one.
Read guide11 minute guide
The lowest premium is only meaningful when the liability limits, driver assumptions, vehicle coverage, and optional protections match.
Read guide12 minute guide
Use this guide as a worksheet: gather the same facts, request matched quotes, convert every deductible to dollars, and compare coverage before price.
Read guide
