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

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.