Frequently Asked Questions

We offer business insurance (General Liability, Professional Liability, Surety Bonds, Surplus Lines), home insurance (HO-3, HO-5, Flood, Renters), and auto insurance (personal and commercial).

Yes. As an independent agency, we work with multiple top-rated carriers and shop on your behalf — we're not tied to any single insurance company. Our goal is finding you the best coverage at the best price.

Most quotes are turned around within 24 hours of your request. For more complex business coverage, it may take 1–2 business days to gather the best options.

No. Consultations with Sherry are always free, with no pressure or obligation to purchase.

While not always legally required, most LLCs benefit significantly from General Liability coverage. If you have clients, employees, or operate out of a physical space, you almost certainly need it.

A surety bond is a guarantee to your clients or the state that you'll fulfill your obligations. Many licensed professions (contractors, notaries, mortgage brokers) are required to carry one.

General Liability (GL) covers bodily injury and property damage. Errors & Omissions (E&O) covers mistakes or negligence in your professional services. Many businesses need both.

Standard homeowners policies typically do NOT cover flood damage. Flood insurance is a separate policy, often through the NFIP or a private carrier. Given Texas weather, we strongly recommend it.

If you're hit by a driver who has no insurance (or not enough), uninsured/underinsured motorist coverage pays for your damages. Given that roughly 1 in 7 drivers in Texas is uninsured, it's critical protection.

HO-3 is the standard homeowners policy — it covers your dwelling on an open-peril basis but covers personal property only for named perils. HO-5 covers both your home and your belongings on an open-peril basis, providing broader protection.