Independent Houston insurance directory

Find a Houston insurance agent for the coverage you need.

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27 agencies

Explore Houston agencies

Compare coverage, service areas, specialties, and agency professionals. Review a full profile when you find a fit.

Insurance agency

NavSav Insurance - Angleton

Galveston, TX

Auto insurance
Boat insurance
Business interruption and continuity coverage
+24 more

NavSav’s Galveston office is an independent insurance agency serving households, property owners, businesses, and employers. Formerly Henry Freudenburg Insurance Agency, it works with multiple carriers and provides personalized risk assessment. The office’s documented capabilities include coastal property planning and employer support spanning alternative health-plan funding, enrollment, HR technology, employee communication, and compliance.

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Auto insurance agency

The O'Donohoe Agency

Galveston, TX

Auto insurance
Boat insurance
Builder's risk
+13 more

The O'Donohoe Agency is a family-led Galveston insurance agency serving individuals, families, businesses, and coastal property owners. Founded in 1967, it provides personalized local guidance across personal and commercial needs. Its first-party materials show particular depth in Gulf Coast exposures and classic-car protection, including specialized valuation and usage considerations.

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Agency products and service areas may change. Confirm availability, coverage, and pricing directly with the agency.

Local insurance guidance

Guides relevant to Houston

7 minute guide

Texas wind and hail deductibles explained in dollars

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.

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8 minute guide

How roof age affects homeowners insurance in Texas

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.

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9 minute guide

Does homeowners insurance cover water damage in Texas?

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.

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9 minute guide

What to do when your Texas homeowners insurance is nonrenewed

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.

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10 minute guide

Insurance checklist for Houston contractors

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.

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7 minute guide

What information does an insurance agent need for a homeowners quote?

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.

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10 minute guide

Should you bundle home and auto insurance in Texas?

A bundle can simplify service and unlock discounts, but the right comparison is the combined annual cost and coverage quality across every policy.

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10 minute guide

Independent agent vs. direct insurer in Texas

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.

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14 minute guide

Houston small-business insurance checklist

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.

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12 minute guide

Houston home insurance: separating wind, flood, and water risks

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.

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11 minute guide

How to compare auto insurance in Texas

The lowest premium is only meaningful when the liability limits, driver assumptions, vehicle coverage, and optional protections match.

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12 minute guide

Texas homeowners insurance: a practical buying guide

Use this guide as a worksheet: gather the same facts, request matched quotes, convert every deductible to dollars, and compare coverage before price.

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