01
Auto
Liability limits that actually match your assets. Collision and comprehensive built around your driving — not a national average.
Quote auto →
Public Service Notice · Vol. 01
Your liability limit
is the price tag
on everything you own.
Texas requires $30,000 in bodily injury coverage per person. The average ER visit after a serious wreck? $88,000. Guess who pays the difference.
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§ 01 · The Math Nobody Shows You
$30K
Texas state minimum
The legal floor. The lowest amount the state will let you carry and still drive. It is not a recommendation.
$88K
Average serious-injury ER bill
If you cause it, $30K is what the person you hit gets to cover their care. Your insurance company writes that check and walks away. The other $58K is their problem — and yours, depending on what they decide to do about it.
$1M+
Catastrophic accident judgments
Texas protects your homestead and your wages — but not your second property, business equity, or investment accounts. The more you've built, the more the gap actually costs you.
§ 02 · What We Quote
Three policies. One conversation.
02
Home + Auto Bundle
The single biggest discount in personal insurance. We shop both sides and tell you when bundling actually wins — and when it doesn't.
Quote bundle →03
Umbrella / High-Limit
If you own a second property, run a business, or have real equity stacked up, your auto and home limits aren't enough. A million dollars of extra coverage often costs less than a streaming bundle.
Quote umbrella →§ 03 · Field Notes
"I'd been with the same carrier for 14 years. They moved me to full coverage at some point and I never asked what that meant. Turns out my bodily injury was still at state minimum. One review fixed it. Same monthly cost."