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Auto & Home Insurance PERSONAL, AUTO & HOME

Auto insurance protects you against financial loss if you have an accident.

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Business Insurance BUSINESS & COMMERCIAL

Discover the perfect insurance options to meet your specific and unique needs.

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Life & Health Insurance LIFE & HEALTH

A standard policy insures the home itself and the things you keep in it.

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Browse a variety of insurance options in order to find the right one for you.

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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Do I need a state driver's license to obtain insurance?
  2. Can I make my payments at your office?
  3. What are your office hours?
  4. Can I mail my payment to the office?
  5. What do I do if I have a car accident?
  6. When I rent a car, do I need to purchase the extra coverage the rental company offers?
  7. Do I need rental reimbursement coverage?
  8. Why is the replacement cost of my home different than the market value?
Do I need a state driver's license to obtain insurance?
No. In many cases, we can provide insurance coverage to you without a drivers license. 

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Can I make my payments at your office?
YES, we can take your payments, cash, money order and personal check.  Some companies will allow us to enter your credit card information, however at this time we do not take credit cards.

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What are your office hours?

Monday through Thursday 9am - 5:30pm & Friday 9am - 6pm. 

We are closed on most major holidays.  



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Can I mail my payment to the office?
Yes, our mailing address is 206 Tenaha Street, Center, TX 75935.  Once your payment is received we will post it to the company's website.

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What do I do if I have a car accident?

Accidents happen – even to the most careful drivers. Knowing what to do after an accident will help you to remain calm and in control. You should keep your registration and proof of insurance in your vehicle.

Accident Checklist

Get help for the injured.

Call the police and remain at the scene of the accident.

Warn oncoming traffic, set hazard lights and flares.

Do not admit fault.

Exchange names, addresses, phone numbers, makes of  vehicles, drivers and vehicle license numbers, and insurance company and policy number information with all drivers.

Get the names, addresses, and phone number of all passengers and witnesses.

Take pictures of the scene and damage.

Make a rough drawing of the scene, showing position of cars and other details.

Do not discuss the accident or sign any documents. Only answer questions asked by police and your insurance company claim representative.

Notify your insurance agent as soon as possible.



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When I rent a car, do I need to purchase the extra coverage the rental company offers?
With most insurance companies, when you rent a car under your personal name, you are automatically covered under your current personal automobile policy for the same coverage limits in the US and Canada. If you don't have full coverage on your policy, then you should purchase the extra coverage. 

Give us a call before you rent a car to make sure what coverage you have.

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Do I need rental reimbursement coverage?
If you have an automobile accident or if your car is stolen, will you need a rental car while your car is being repaired or replaced? If you do, you should add this coverage to your policy.

Rental reimbursement coverage applies if you have a claim, it can't be used for regular maintenance.


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Why is the replacement cost of my home different than the market value?

A home’s market value reflects current economic conditions, taxes, school districts, the value of the land, location, and other factors that have nothing to do with the actual cost of rebuilding a home and replacing all of its contents.

Insurance companies factor in the size, materials and the current cost of construction in your area in order to come up with the replacement cost.

With replacement cost, you will have the proper amount of coverage to rebuild your home in the event of a total loss, not what it is worth on the current market.



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