Since so many companies apparently forgot this historically bad combo, we are in the midst of a very hard and strange insurance market where cheap insurance is a scarce commodity these days. To quote Bob Dylan, "The Times They are A-Changin'".

 

We've seen most companies dramatically raising rates, increasing deductibles, and cutting back on various exposures. Some stopped writing new business, cut commissions, are cancelling agents, and even leaving the state. I never thought that I would see the two regional superheroes of Texas have to stop writing new business. That is truly a sign that the insurance market in Texas is in a world of hurt.

 

We can help during this crazy tough insurance market. We love to write older, or smaller, or in town, or rural homes and dwellings. We write all ages of homes, rental dwellings, and mobile homes. We write a lot of homes in large cities and towns, but we also have a large chunk of our book in small towns, and very rural areas around the state.

 

We also ditched ISO protection codes. Instead, we use AAIS fire protection codes that put more emphasis on the distance to a fire hydrant and the fire station (regardless of volunteer or paid). These can help lower the sometimes large difference for properties out of town, or in smaller towns vs those in larger towns.

 

Fortunately, we only write renters business in the DFW area, and the first and second tier coastal counties. So, we have not needed to raise our rates in the last 2 years despite the hail. We have also added the following enhancements to our Home, Dwelling, and Mobile Home products.

 

New First Responders and Military Personnel and Veterans Discount - 5%.

New Pay in Full Discount - 5%.

Increased our Multi-Policy Discount to 10%.

People and Pets Coverage now optional for savings. 

Pandemic Deductible Buy Down now optional for savings.

Reduced Policy Fee.

No credit checks.

1%/$1,000 deductibles available statewide.

Automatic $100,000 Personal Equipment Breakdown.

Write 8, 9, 10 “unprotected” risks every day.

Plus, we still pay 15% New and Renewal Commission.

 

So, while our competitors are raising their rates, paying you less, and making your life more difficult, we are trying to make it even easier to work with us and save your clients money in tough times.

If you haven't quoted us in a while, please give us a try. It is quick and easy to quote and bind a policy with us. If you have any questions or need any help, please reach out to us at (512) 494-4164 or through our Contact Page.