Texas Home Insurance: Part 2 (How an Independent Insurance Agent Can Help You)

When it comes to insuring your Texas home, you need to have the coverage that fits your specific situation. Since it can be stressful to go through that process on your own, having an independent agent to guide you through it can make a huge difference for you. You know the basics of Texas home insurance if you read Texas Home Insurance: Part 1 (What You Need to Know), but you may not yet know how helpful working with an independent agent can be for you. 

An independent insurance agency has the flexibility to help you find the best Texas home insurance fit for your situation because they work with multiple insurance carriers, whereas a captive agency only works with one insurance carrier (which greatly limits the protection options they can offer your home). An independent insurance agent can help you find the policy that takes into account your home’s individuality, which can be greatly beneficial to you. You should not have to deal with the ins and outs of insuring your home alone, and there is no one better equipped to help you through that process than an independent insurance agent. 

How Working With an Independent Insurance Agent Benefits You


  • Since life has a way of throwing curveballs at us when we least expect, it is important to make sure that our homes are well protected. An independent agent can help you be prepared for the unpredictable. Your home needs to be safeguarded, and you want an agent on your side to help you with that goal.

  • While a captive agent has fairly limited options to offer you, an independent agent has the ability to put your unique needs at the forefront. You should not have to find yourself with ill-fitting coverage for your home! Working with an independent agent can open up your coverage horizons, and your home is too valuable to not have the right protection for it.

  • An independent agent can help you add on the coverage that you need for your home’s specific situation. For example, if you live in a flood prone area, an independent agent can help you find the right flood damage coverage you need to add to your policy. Having an expert on your side can make a night and day difference when you are looking to protect your home from everything from small issues to larger catastrophes.

  • When you work with an independent Texas insurance agent, you can expect a higher level of care. An independent agent who is Texas-based is going to understand where you are coming from on a more personal level, unlike someone from another region of the country. Why work with an agency that doesn’t understand the area when you can work with an independent insurance agency from your corner of the world? 

  • An independent agent can offer you the support you need so that you can confidently protect your Texas home from any unexpected disasters. An independent agent has the ability to prioritize your unique needs and can help, should you have any concerns or questions. Home insurance policies are usually not enjoyable things to figure out alone, and there is no reason that you should not have the support you deserve.

Your home deserves the best, and having the right insurance coverage is a key part of safeguarding it. No two homes are exactly the same, so why should your coverage be cookie-cutter? The fact is, it shouldn’t be. Instead, your policy should fit you and your Texas home – and an independent agent can help you find that fit. 

Finding the Right Insurance Fit For Your Texas Home


Your Texas home is a top priority in your life, and you deserve to have the coverage that takes your home’s unique features into consideration. We at Patterson Insurance are here to help you insure your Texas home with the policy that is right for you. Contact us today so we can help you take the right steps to safeguard your home from whatever comes your way down the road; call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436. Don’t settle for less than the right coverage for you!