More of What You Own, Covered in One Place
One agency, one relationship, one call when something goes wrong.
If you already have a manufactured home or park model policy with us, you know how we work. We take the time to understand your situation, place you with the right carrier, and stay accessible when you need us. That same approach applies to your auto coverage, your site-built coastal home, and the personal liability protection that sits above everything else.
We are an independent insurance agency in McAllen, TX, which means we represent multiple carriers and answer to you — not to a single company's sales goals. For clients who want to consolidate their personal insurance under one roof, we are a practical fit.
Coverage Options Beyond Your Home Policy
Stationary Fifth Wheel Insurance
A fifth wheel that's been tied down, skirted, and connected to utilities is a different animal than a travel trailer. We write these as homeowner's policies — not auto or RV policies — which is the correct treatment for a structure used as a permanent seasonal residence. If you've been insuring yours the wrong way, we can fix that.
Coastal Homeowners Insurance
Site-built homes along the Texas coast are among the hardest properties to place with a standard carrier. Wind exposure, proximity to water, and the realities of hurricane season push many coastal homeowners into the surplus market — or leave them underinsured. We work with carriers that write this coverage in hard-to-place areas and can help you understand what a policy actually covers before a storm season arrives.
Auto Insurance
For clients who already trust us with their home, adding auto coverage through the same agency simplifies everything. One point of contact for questions, one relationship when you need to file a claim, and an independent agent who can shop your rate across carriers rather than locking you into one option.
Umbrella Insurance
A personal umbrella policy extends your liability limits above what your auto and home policies provide — and it does so at a cost that surprises most people when they see it. If you own a home, drive a vehicle, or have assets worth protecting, an umbrella policy is worth a conversation. Texas independent agents can place umbrella coverage that coordinates with your existing policies, so the layers work together the way they should.
Why Clients Add Coverage Here Instead of Starting Over Somewhere Else
Working with an independent agency means your coverage isn't tied to a single carrier's appetite. When one company tightens its underwriting or raises its rates, we have options. When your situation changes — a new vehicle, a coastal property, a liability concern — we can adjust without sending you somewhere else to start from scratch.
Our staff has been with us long enough to know your file. That matters more than most people realize until they actually need to use their coverage.
- Independent agency representing multiple carriers across personal lines
- Bilingual staff — both agents speak English and Spanish fluently
- 35+ years placing specialty and personal insurance in Texas
- Serving McAllen, the Rio Grande Valley, and clients across Hidalgo and Cameron counties
Frequently Asked Questions
Can I add auto or umbrella coverage if my home policy is with a different carrier?
Yes. Your home policy and your auto or umbrella policy do not have to be with the same carrier. As an independent agency, we can place each line with the carrier that fits best and coordinate the coverage so there are no gaps between them.
What makes coastal homeowners insurance different from a standard home policy?
Coastal properties carry elevated wind and storm risk that most standard carriers are not willing to write. Policies for these homes often come through specialty or surplus carriers, with separate wind deductibles and specific exclusions that vary by location. We help clients understand exactly what their policy covers before they need to find out the hard way.
How much does a personal umbrella policy cost in Texas?
For most individuals, a personal umbrella policy with $1 million in additional liability coverage costs between $150 and $300 per year — though your specific rate depends on your underlying policies, assets, and risk profile. It is consistently one of the most cost-effective coverage options available, and we are glad to walk through the numbers with you.
Do you offer insurance outside of Texas?
We are licensed in Texas only. If you have coverage needs in another state, we can point you in the right direction, but our policies are written exclusively for Texas residents and properties.
Is your agency able to help Spanish-speaking clients?
Yes. Both of our agents speak English and Spanish fluently, and we are glad to work through your coverage options in whichever language is most comfortable for you.
Ready to Round Out Your Coverage?
If you have questions about auto, coastal homeowners, or umbrella insurance, we are a phone call or a form away. No pressure, no obligation — just a straightforward conversation about what you have and what might be missing.