About the agency
Independent, local, and paid to get it right
An independent agency in San Antonio placing business, home and auto coverage with multiple carriers. No single insurer owns our recommendation.
How we are different from a captive agency
A captive agency works for one insurance company and can only sell that company’s policies. When the rate goes up or the appetite changes, they have nothing else to offer you. We hold appointments with several carriers, so a bad renewal is a reason to re-shop rather than a reason to lose you.
We are paid a commission by whichever carrier you choose. It is a similar percentage across carriers, which keeps the recommendation about fit rather than payout.
What working with us looks like
You deal with the same person from quote to renewal. When a claim happens, call us before the carrier: we will tell you honestly whether it is worth filing, because a small claim on a record can cost more over three years than it pays today.
Every policy we place gets a review before renewal. If the rate has drifted, we re-shop it and tell you either way.
How it works
Three steps, no pressure
01
Tell us what needs covering
Two minutes on the quote form, or a phone call if the situation is complicated. Current declarations pages help, but are not required to start.
02
We shop it and compare
You get a short list rather than a stack of PDFs: what each carrier charges, where the coverage differs, and which one we would put our own family on.
03
Bind, and stay covered
We handle the paperwork and the cancellation of the old policy, then review the file before every renewal so the rate does not drift.