Insurance Over Texas is a family-owned independent agency giving Houston families and businesses the freedom to choose the right policy — at the right price — from the best carriers in Texas.
Over three decades of protecting Houston families and businesses — deep local expertise you simply can't fake.
We shop multiple top carriers on your behalf, so you get the best coverage at the best price — not what's best for one insurance company.
Locally owned and operated with genuine roots in the Houston community, including support for the YMCA and Texas Children's Hospital.
Serving Houston's diverse community in both English and Spanish to ensure every client truly understands their coverage.
Compare real auto and home insurance rates immediately with our online tool — no forms, no waiting, no pressure.
Manage your policies, ID cards, payments, and claims online anytime — your coverage is always at your fingertips.
As an independent agency, we offer the full spectrum of personal and commercial insurance — shopping multiple carriers to get you the best fit.
Houston drivers get quality, low-cost auto coverage tailored to their needs. We compare top carriers so you're protected on every road in Texas.
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Your home is your most valuable asset. We find the right homeowners policy at a price that makes sense — mortgage or owned outright.
Standard home policies don't cover flood damage. In Houston, dedicated flood insurance isn't optional — it's essential.
Every business faces unique risks. We craft bundled commercial packages — from property and fleet to cyber threats — that keep your business standing.
Protect your belongings and personal liability without the cost of a full homeowners policy. Affordable coverage for Houston renters.
Bridge the gaps your HOA master policy misses — unit, belongings, and liability fully protected.
From fishing boats to jet skis, we cover your watercraft on Texas lakes, bays, and the Gulf.
Combine auto and home insurance for simplified coverage and potential savings. One agency, one relationship.
Insurance Over Texas is a family-owned and operated independent insurance agency that has called Houston home for more than 30 years. From our west Houston office at 430 Hwy 6 S., we've built lasting relationships with hundreds of Houston families and businesses — earning their trust not with flashy promises, but with consistent, expert service.
As an independent agency, we're free from the constraints of a single carrier. That independence means we can shop the best insurance companies in Texas on your behalf, matching your specific needs to the right coverage at the right price. We take time to help every client understand what they're buying before they buy it — because informed clients are protected clients.
We believe insurance is personal, and so is our service. Our bilingual team treats every client like family, and our commitment to the Houston community runs deeper than business. We're proud supporters of the YMCA and Texas Children's Hospital. Whether you're in Houston, Richmond, Conroe, Angleton, or the surrounding counties — we're here to help.
Four simple steps to getting the protection your family or business deserves.
Call us, email an agent, or use our online tool to share details about what you need to protect — your home, car, business, or all of the above.
Our independent agents compare policies across multiple top-rated carriers to find the best combination of coverage, company, and price for your situation.
We walk you through your options in plain language — no jargon, no pressure — so you fully understand what you're getting before you commit.
Activate your policy and gain instant access to your account portal to view coverage, print ID cards, add drivers, and manage payments at any time.
It means we work for you, not for any single insurance company. We compare coverage options from multiple top carriers and recommend the best fit for your needs and budget — giving you real choice instead of a one-size-fits-all policy.
We offer a full range of personal and commercial coverage including auto, home, flood, renters, condo, boat/watercraft, RV, umbrella, and commercial insurance for businesses of all types.
Yes. Standard homeowners policies do not cover flood damage. Given Houston's history with severe flooding events like Hurricane Harvey, a separate flood insurance policy is strongly recommended for most Houston-area property owners.
Absolutely. You can use our online rating tool to compare auto and home insurance quotes instantly without speaking to anyone. When you're ready to talk, our agents are available by phone and email.
Yes — Habla Español. Our team proudly serves Houston's Spanish-speaking community. We want every client to fully understand their coverage, and we're happy to work in the language that's most comfortable for you.
We serve clients throughout Texas, with a focus on Houston and the surrounding region including Richmond, Conroe, Angleton, and surrounding counties. Our office is located at 430 Hwy 6 S. #102 in west Houston.
You can manage your policy through your online account — view policies, print ID cards, add drivers, make payments, and file claims at any time. You can also call us directly at (281) 752-6704 or email an agent for personal assistance.
Yes. We specialize in building custom commercial insurance packages for Houston-area businesses. Every company has unique risks — from property and fleet vehicles to cyber threats and employee coverage — and we tailor a bundle that fits your operation and your budget.
Call us, email an agent, or use our online tool to get a real quote in minutes. No pressure. No jargon. Just honest guidance from your neighbors.
Serving Houston, Richmond, Conroe, Angleton & Surrounding Counties