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Independent Insurance Agency

What you’ve built,
covered on purpose.

We compare home, auto, umbrella, flood and business coverage across multiple carriers for households and businesses in Texas, New Mexico and Colorado, then fit the policies together so nothing important falls between them.

Licensed in Texas New Mexico Colorado
Request a Coverage Review Find Your Gaps

Carriers We Represent

Many companies. One agent on your side.

A sample of the national and regional carriers we place coverage with. Need to report a claim? Call your carrier directly, or call us at 210-332-4707 and we’ll help you start.

Carrier names and logos are trademarks of their respective owners and identify companies the agency places coverage with. Not every carrier offers every product in every state.

Our Approach

Policies are separate.
Your risks aren’t.

Most households collect policies one at a time, each from whoever was quickest. The result looks complete on paper and leaves gaps where the policies meet. We treat home, auto, umbrella and business coverage as one design.

A family of four walking hand in hand across a sunlit backyard lawn

Home · Auto · Umbrella

The best time to review your coverage is before you need it.

Where gaps hideLiability

An umbrella is only as strong as the policies underneath it.

Umbrella policies usually require specific liability limits on your home and auto coverage. If those limits drift at a renewal, or a new car or rental house never gets added, the umbrella may not respond the way you expect. We set the layers up together and check them together.

Underlying limits

Matched to what the umbrella requires

Everything listed

Each driver, vehicle and property where it belongs

One review

Changes made across every policy at once

IndependentChoice

One agent, several carriers.

We aren’t tied to one insurance company. We can quote the same coverage with several carriers, show you why the prices differ, and move your policy if a better fit appears later.

See our carriers
Parents smiling down at their newborn, swaddled in a star-print blanket

New baby. New driver.
New roof.

Life changes are when gaps open.

AffiliatedCapital Strategies

We work alongside Capital Strategies, an Austin financial planning practice. With your permission, your property and liability coverage can be reviewed next to the rest of your plan, so limits reflect what you actually have to protect.

Visit Capital Strategies

Coverage

Personal and business lines, under one roof.

Most households and businesses need several of these. The value is in how they fit together.

A limestone Hill Country home with a metal roof and covered front porch, framed by live oaks at golden hour

01 · Home & Property

Insure what it costs to rebuild, not what you paid.

We set dwelling limits from today’s rebuilding cost, look closely at how wind and hail deductibles are written, and make sure the things you value most are covered for what they’re worth.

  • Homeowners insurance
  • Renters insurance
  • Added coverage for jewelry, art & collections
  • Wind & hail deductible review
  • Coastal windstorm coverage
Discuss this with us

Coverage descriptions are general summaries. Availability, terms and exclusions vary by carrier, policy and state, and are governed by the policy itself.

How We Work

Four steps.
Then again each year.

Shopping a policy once is easy. Keeping coverage right as prices, carriers and your own life change is the part that takes attention.

  1. 01

    Review

    We start with what you have: declarations pages, limits, deductibles, endorsements, and who and what is listed on each policy. You get a plain summary of where you stand.

  2. 02

    Shop

    We quote your coverage with the carriers we represent, matching limits and deductibles like for like so the comparison is fair, then walk you through the trade-offs.

  3. 03

    Place

    Once you decide, we handle the applications, line up start dates so there’s no lapse, send proof of coverage to your lender, and help close out the policies you’re replacing.

  4. 04

    Renew

    Before renewals we look for rate changes and life changes: a new driver, a remodel, a boat, a business. When it makes sense to re-shop, we do.

    Back to step one

Coverage Checklist

Where might your gaps be? Two minutes to find out.

Tick anything that describes your household. We’ll list the topics worth raising at your next review. Nothing you select is sent anywhere.

Illustrative only
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Topics worth discussing

Nothing selected yet

      Review this with us

      This checklist is a general, illustrative prompt for conversation. It is not a coverage analysis or recommendation and does not account for your actual policies. Coverage is subject to policy terms, conditions, exclusions, underwriting and availability, which vary by carrier and state.

      The Team

      The people who quote it are the people who service it.

      A small team across our Austin and San Antonio offices handles your coverage from first quote to policy changes and claims, so you’re not starting over with someone new each time you call.

      Portrait of Rachel Throckmorton

      Rachel Throckmorton

      Property & Casualty Specialist · Licensed Sales Agent

      Rachel has been in insurance for 13 years. She quotes new home, auto and business policies, looks after our relationships with the carriers and keeps the agency running day to day, and she still works directly with clients on both the personal and commercial side. She came to San Antonio in 2009 for UTSA and never left. Outside the office, she’s a proud mom to her son.

      Portrait of Sean Eldrige

      Sean Eldrige

      Service Team CSR

      Sean has spent more than 20 years in personal lines insurance. If you need to change a policy, make a payment, track down a document or figure out what you’re actually covered for, Sean is the person to call. When your renewal comes up, he’ll shop it again to see whether there’s a better fit. He’s lived in San Antonio since 1994, and he spends his free time working out so he can keep up with his two kids.

      Across both offices.

      Austin

      Home office · 807 Las Cimas Pkwy

      • Portrait of Scott Werner

        Scott Werner

        President

      • Portrait of Peter Berardino

        Peter Berardino

      • Portrait of Joe Croshaw

        Joe Croshaw

      • Portrait of Gina Mejia

        Gina Mejia

      San Antonio

      10101 Reunion Pl

      • Portrait of Michael Gonzalez

        Michael Gonzalez

      • Portrait of Jason Parker

        Jason Parker

      • Portrait of Steve Ramirez

        Steve Ramirez

      Questions

      Common questions, plain answers.

      Something we haven’t covered? Call 210-332-4707 and ask.

      A captive agent represents one insurance company and can only offer that company’s policies. We’re an independent agency, so we can quote your coverage with several carriers, compare them on equal terms, and move your policy to a different company later if that serves you better, without you having to start over with a new agent.

      We represent a range of personal and commercial carriers. Here’s the full list. Not every carrier writes every kind of coverage in every state, so we’ll tell you which companies can quote your specific situation.

        Yes. The insurance company makes the claim decision, but we can help you report it, explain what your policy covers, and follow up with the carrier if things stall. If anyone is hurt or in danger, call 911 first. Then call your carrier’s claims line, or call us if you’d rather talk it through.

        We’re licensed in Colorado, New Mexico and Texas. Our offices are in Austin and San Antonio, and we work with clients across both metro areas in person, or by phone or video anywhere in those three states.

        Most policies are billed and paid directly through the insurance company, by phone, online or by automatic draft. Your carrier’s billing details are on your policy documents, or call us and we’ll point you to the right place.

        Once a year is a sensible rhythm, plus any time something significant changes: buying or remodeling a home, adding a driver or vehicle, starting a business, or acquiring something valuable. Those are the moments when gaps tend to open.

        Request a Review

        Tell us what you have. We’ll tell you what we see.

        Share a little about what you’d like covered. We’ll follow up to set a time to talk, by phone, video or in person, and let you know what to have on hand.

        Austin · Home office
        807 Las Cimas Pkwy
        Bldg 2, Ste 275
        Austin, TX 78746
        San Antonio
        10101 Reunion Pl
        Ste 300
        San Antonio, TX 78216
        Phone
        210-332-4707
        Fax
        512-648-5899
        Hours
        Monday – Thursday, 8:30 am – 5:00 pm
        Friday, 8:30 am – 4:00 pm
        Saturday & Sunday, closed
        What would you like reviewed? (choose any)

        1500 characters remaining

        Website Disclaimer - Review Carefully: This is a solicitation for insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voicemail, text or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent. Note any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application and/or in communications with us. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. You also agree to release us from any liability if this information is accidentally viewed by unauthorized persons. We will only use this information for insurance quoting purposes and not distribute to other parties.

        Please don’t include policy numbers, driver’s license numbers or other sensitive information.