Independent agency
Insurance carriers we represent in Texas
Heritage Texas Insurance Group is an independent agency, which means we don't work for one insurance company — we're appointed with the carriers below and shop your home, auto, flood, life, and specialty coverage across them. You get one agent, one conversation, and a real comparison instead of a single company's pitch. Carrier availability varies by address, property, and driving history.
We'll take you to that carrier's page, or start a quote with it pre-filled.
Property & casualty carriers
- Acceptance Indemnity
Non-standard Texas auto insurance for drivers with tickets, accidents, or a coverage lapse, including SR-22 filings.
- Aegis General Insurance Agency
Manufactured and mobile home insurance program for Texas homeowners standard carriers often decline.
- Allied Trust
Texas homeowners insurance carrier focused on wind, hail, and water-damage exposure across the Gulf Coast and Houston metro.
- American Collectors Insurance
Agreed-value collector car insurance for classic, antique, and restored Texas vehicles.
- American Modern Insurance Group
Specialty home insurance for manufactured homes, seasonal properties, vacant houses, and Texas rental dwellings.
- Amwins
Wholesale excess and surplus lines broker used to place hard-to-insure Texas property and liability risks.
- Arch Insurance
National specialty insurer writing high-value Texas property and liability coverage through surplus lines.
- Ascot
Specialty property and casualty market for Texas homes and dwellings outside standard underwriting guidelines.
- Atain
Excess and surplus lines carrier for older Texas homes, dwellings under renovation, and unusual property risks.
- Bamboo
Technology-driven homeowners insurance program competitive on Texas homes in wildfire- and wind-exposed areas.
- Beazley
Lloyd's-backed specialty insurer used for high-value Texas property, liability, and personal cyber coverage.
- Benchmark
Regional property insurer writing Texas homeowners and dwelling fire coverage, including wind and hail.
- Berkley Specialty
Specialty property and liability market for Texas risks that need custom underwriting.
- Bristol West
Non-standard Texas auto insurance with flexible payment plans and SR-22 filings for high-risk drivers.
- Burlington Insurance
Surplus lines carrier for Texas dwellings, landlord property, and liability exposures declined elsewhere.
- Burns & Wilcox
Wholesale broker giving our Texas clients access to surplus lines markets for coastal, vacant, and high-value homes.
- Canal Insurance Company
Specialty transportation insurer for Texas trucking and commercial auto exposures.
- Canopius
Lloyd's syndicate market for Texas coastal property and other wind-exposed risks.
- Chubb
High-net-worth home, auto, and valuables insurance for Texas estates, fine art, and jewelry collections.
- Colony Insurance
Excess and surplus lines carrier for Texas property and liability risks outside the standard market.
- Evanston Insurance
Markel surplus lines company writing specialty Texas property and liability coverage.
- Everett Cash Mutual
Farm and ranch insurance for Texas agricultural operations, outbuildings, and livestock exposures.
- Foremost
Manufactured home, mobile home, landlord, and vacant-property insurance across Texas.
- GEICO
Personal auto insurance quoted alongside the rest of our Texas market so you can compare rates in one place.
- Germania Insurance
Texas-only mutual insurer writing home, auto, and farm & ranch coverage, often strong on acreage and rural property.
- Hadron E&S
Excess and surplus lines market for Texas homes and dwellings with older roofs or prior claims.
- Hagerty
Agreed-value classic car insurance for Texas collector vehicles, hot rods, and restorations in progress.
- Hallmark
Texas-based specialty insurer writing non-standard personal auto and commercial coverage.
- Hartford
National carrier writing Texas home and auto insurance, including AARP-branded personal lines programs.
- Homeowners of America
Texas-focused homeowners insurance carrier covering wind, hail, and water damage for suburban homes.
- Homesite
Home, condo, and renters insurance written in Texas with fast online-style underwriting.
- Hudson Insurance
Specialty property and casualty insurer used for Texas risks needing surplus lines placement.
- James River
Excess and surplus lines carrier for Texas liability and hard-to-place property exposures.
- Jewelers Mutual
Standalone jewelry insurance for Texas engagement rings, watches, and collections with worldwide coverage.
- Kinsale Insurance
Surplus lines specialist for unusual Texas property and liability risks the standard market declines.
- Lexington Insurance
AIG surplus lines company writing high-value and coastal Texas property coverage.
- Lloyd's of London
Global specialty market accessed for Texas coastal wind, high-value homes, and one-of-a-kind exposures.
- Markel
Specialty insurer for Texas farm and ranch, equine, collectibles, and other niche personal risks.
- Mercury Insurance
Personal auto and home insurance written in Texas, often competitive for clean-record drivers who bundle.
- Mesa Underwriters
Surplus lines carrier for Texas dwelling, landlord, and liability coverage outside standard guidelines.
- National General
Auto and home insurance in Texas, including non-standard auto and lender-placed property programs.
- Nationwide E&S
Excess and surplus lines division writing Texas property and liability risks needing specialty terms.
- Neptune Flood
Private flood insurance for Texas homes with higher limits, faster binding, and pricing that often beats NFIP.
- Ocean Harbor Casualty
Non-standard Texas auto insurance for drivers who need affordable liability coverage and SR-22 filings.
- One Alliance
Coastal homeowners and dwelling fire insurance for wind-exposed Texas properties.
- Orion180
Homeowners insurance program writing wind- and hail-exposed Texas homes, including older roofs in some cases.
- Pinney Insurance
Life insurance brokerage giving us access to additional term and permanent life carriers for Texas clients.
- Porch Insurance
Homeowners insurance built around home-inspection data, competitive on newer Texas homes.
- Progressive
Auto, motorcycle, boat, RV, and trailer insurance in Texas, including coverage for drivers with tickets or accidents.
- RLI Insurance Company
Specialty insurer for Texas personal umbrella liability, watercraft, and hard-to-place homes.
- Rockhill Insurance
Surplus lines property market for Texas dwellings and specialty residential exposures.
- Root
Usage-based Texas auto insurance that prices around how you actually drive.
- SafePoint
Coastal-focused homeowners insurance carrier writing wind and hail exposed Texas property.
- SafePort
Texas homeowners and dwelling fire coverage for coastal and near-coastal properties.
- SageSure
Coastal Texas homeowners insurance for wind-exposed homes national carriers often decline.
- Scottsdale Insurance
Nationwide surplus lines company writing specialty Texas property and liability coverage.
- Selective Insurance Company
Regional carrier writing Texas home, auto, and umbrella coverage for well-maintained risks.
- Sentinel Life
Final expense and senior life insurance products for Texas families.
- South & Western General Agency
Texas managing general agency for non-standard personal auto insurance and SR-22 filings.
- StarStone
Specialty insurer used for Texas property and liability risks requiring surplus lines terms.
- Steadily
Landlord and rental property insurance for Texas investors, including short-term rentals.
- Sure
Digital renters and specialty coverage for Texas apartments and rented homes.
- Swyfft
Data-driven homeowners insurance quoting Texas homes in seconds, including many coastal counties.
- Sycamore
Specialty residential property program for Texas homes outside standard underwriting boxes.
- Taurus Flood
Private flood insurance alternative to NFIP for Texas homes in and out of high-risk flood zones.
- TFPA (Texas FAIR Plan Association)
Last-resort Texas homeowners insurance for properties that cannot find coverage in the voluntary market.
- Tower Hill Prime
Residential property insurer writing wind- and hail-exposed homes in Texas coastal markets.
- Trium
Specialty homeowners program for Texas properties with prior claims or older construction.
- TWIA (Texas Windstorm Insurance Association)
Windstorm and hail coverage for the 14 designated Texas coastal counties and parts of Harris County.
- U.S. Specialty Insurance
Specialty lines insurer used for Texas property, liability, and unique personal exposures.
- USLI
Specialty liability and property carrier for Texas landlords, associations, and small-property owners.
- Vave
Surplus lines homeowners program for wind-exposed and coastal Texas homes.
- Wellington
Lloyd's-backed specialty market for Texas property and catastrophe-exposed risks.
- Westchester
Chubb surplus lines division writing high-value and hard-to-place Texas property coverage.
- Western World
Excess and surplus lines carrier for Texas dwelling, vacant property, and liability risks.
- Wilshire
Specialty property market for Texas homes and dwellings requiring non-standard terms.
- Wright NFIP
National Flood Insurance Program policies for Texas homes, accepted by every federally regulated lender.
Life insurance carriers
- Accordia Life
Indexed universal life and term life insurance for Texas families building tax-advantaged cash value.
- American Continental (Aetna)
Final expense whole life and Medicare supplement products for Texas seniors.
- American Equity Investment Life
Fixed and fixed-indexed annuities for Texas retirement income planning.
- American Memorial Life
Final expense and pre-need funeral life insurance for Texas families.
- American National (ANICO)
Galveston-based Texas insurer writing term, whole, and indexed universal life plus annuities.
- Americo
Simplified-issue term and final expense life insurance with no medical exam for many Texas applicants.
- Assurity Life
Term life, whole life, and disability income coverage for self-employed Texans.
- Athene
Fixed-indexed annuities for Texans converting savings into guaranteed retirement income.
- Baltimore Life
Whole life and final expense coverage for Texas families planning burial and legacy costs.
- Corebridge Financial
Term, universal life, and annuity products, formerly AIG Life & Retirement.
- Equitable
Variable and indexed universal life plus annuities for Texas retirement and estate planning.
- EquiTrust
Fixed-indexed annuities and life insurance with living benefit riders.
- Fidelity & Guaranty Life (F&G)
Indexed universal life and annuity products for Texas income and legacy planning.
- Foresters Financial
Simplified-issue term and whole life for Texas families, with member benefits included.
- Forethought (Global Atlantic)
Final expense life insurance and annuities for Texas seniors, including graded-benefit options.
- Gerber Life
Children's whole life and guaranteed-issue coverage for Texas families.
- Great American Financial Resources
Annuity products for Texas retirees seeking predictable lifetime income.
- Great Western Insurance Company
Final expense and funeral-planning life insurance for Texas families.
- Guarantee Trust Life (GTL)
Supplemental health and life products, including accident and hospital indemnity coverage.
- Integrity Life
Annuities and universal life insurance for Texas retirement planning.
- John Hancock
Term and universal life insurance with wellness-linked premium credits for healthy Texans.
- Legal & General America (Banner / William Penn)
Consistently competitive term life insurance for healthy Texas applicants at higher face amounts.
- Life Insurance Company of the Southwest (LSW)
Indexed universal life and retirement-focused products from a Texas-familiar carrier.
- LifeSecure
Long-term care and supplemental health coverage for Texas families.
- Lincoln Financial Group
Term, universal, and variable life insurance plus long-term care hybrid policies.
- MassMutual
Participating whole life insurance with dividends, plus term coverage for Texas families.
- MedAmerica
Long-term care insurance for Texans planning for extended care costs.
- MetLife Investors
Annuity and life products for retirement income and legacy planning.
- Minnesota Life (Securian)
Indexed universal life and term insurance with strong underwriting flexibility.
- Mutual Trust Financial Group
Whole life insurance focused on guaranteed cash value growth.
- National Western Life
Texas-based insurer writing universal life and fixed-indexed annuities.
- Nationwide
Term, universal, and indexed life insurance plus annuities for Texas families.
- New York Life
Whole life insurance and annuities with long-standing financial strength ratings.
- North American Company for Life & Health
Indexed universal life and annuities with living benefit riders.
- Northwestern Mutual
Dividend-paying whole life insurance and disability income coverage.
- OneAmerica / State Life
Asset-based long-term care and life insurance hybrids for Texas retirees.
- Oxford Life
Final expense life insurance and annuities designed for Texas seniors.
- Pacific Life
Universal and indexed universal life insurance plus annuities for high-net-worth planning.
- Pan-American Life
Life insurance for domestic and international clients, including foreign nationals in Texas.
- Peterson / Lloyd's
High-limit and impaired-risk life insurance placed through Lloyd's specialty markets.
- Principal Financial Group
Term and universal life insurance plus disability income for Texas business owners.
- Protective Life
Competitively priced term life insurance and guaranteed universal life for Texas families.
- Prudential / Pruco
Term and universal life insurance with flexible underwriting on health histories.
- Reliance Standard
Life and disability insurance, including group and executive benefit plans.
- Royal Neighbors of America
Whole life and simplified-issue coverage for Texas women and families.
- Sagicor
Accelerated underwriting term and universal life with fast approvals and no exam for many applicants.
- Savings Bank Life Insurance Co. of MA (SBLI)
Affordable term life insurance with a streamlined, no-exam application path.
- Sons of Norway
Fraternal life insurance and annuity products for members.
- Standard Life Insurance Company
Life insurance and annuity products for Texas retirement and final expense planning.
- Symetra
Term and indexed universal life plus annuities with straightforward underwriting.
- Transamerica
Term, whole, and final expense life insurance with broad underwriting appetite in Texas.
- United American Insurance Company
Supplemental health and life coverage for Texas seniors, including Medicare supplements.
- United Home Life
Simplified-issue life insurance for Texans with health conditions and no medical exam.
- United of Omaha (Mutual of Omaha)
Term, universal, and guaranteed-issue final expense life insurance for Texas families.
- Vantis Life
Straightforward term and whole life insurance at modest face amounts.
- Voya Financial
Life insurance and retirement products, including workplace and individual plans.
- Zurich American Life
Life insurance and benefit products backed by a global insurer.
Carrier names and logos are the property of their respective owners. Listing indicates an agency appointment or access through a wholesale partner, not an endorsement by that carrier. Coverage is subject to underwriting approval and policy terms.
