We're an independent agency, which means we shop over 30 A-rated insurance carriers on your behalf — not just one company's products. We've been voted McKinney's best insurance agency for 12 consecutive years, carry an A+ BBB rating, and hold a 4.9-star rating on Google. You get a local neighbor who truly advocates for your coverage.
We're headquartered in McKinney, TX and proudly serve families and businesses throughout the Dallas–Fort Worth area, including Frisco, Allen, Plano, Prosper, and surrounding communities.
You can get a quote online in minutes, call us at 214-733-8400, or email us at contact@minsuranceagent.com. One of our agents will walk you through your options at no cost.
No. Our services are completely free to you. We're compensated by the insurance carriers when we place a policy, so you get expert guidance without any out-of-pocket consulting cost.
As an independent agency, we partner with 30+ A-rated carriers, allowing us to find competitive rates and the right coverage for your specific situation. Visit our Carriers page to see the full list.
A standard homeowners policy covers your home's structure (dwelling), personal belongings, liability protection if someone is injured on your property, and additional living expenses if your home becomes uninhabitable. Coverage amounts and specifics vary — our agents will help you find the right fit.
Standard homeowners policies do not cover flood damage. Given North Texas weather, we strongly recommend discussing flood and wind/hail coverage add-ons with your agent. We'll assess your risk and recommend the right endorsements.
Absolutely. We offer condo insurance tailored to HOA requirements, as well as landlord protection coverage for rental properties. Each policy is built around your specific ownership situation.
Texas requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident, and $25,000 for property damage. However, we often recommend higher limits and additional coverage like uninsured motorist or comprehensive to better protect you.
Yes, and we highly recommend it! Bundling home and auto with the same carrier typically results in significant discounts — sometimes 15–25% — while also simplifying your policies under one renewal date.
Yes. We insure motorcycles, RVs, ATVs, and more. Motorcycle insurance policies can be customized with liability, comprehensive, and collision coverage.
We offer a full suite of commercial coverage including general liability, commercial auto, commercial property, workers' compensation, commercial umbrella, and landlord protection. Whether you're a sole proprietor or growing company, we'll build a policy that protects you.
Texas is the only state that doesn't mandate workers' comp for most private employers, but it's still strongly recommended. Without it, you lose key legal protections and are exposed to employee lawsuits. We can help you evaluate your risk and find the right coverage.
A commercial umbrella policy provides an extra layer of liability protection that kicks in when your primary policy limits are exhausted. It's especially useful for businesses with significant assets or higher liability exposure.
We help individuals, families, and small businesses find health insurance plans that balance coverage and cost. We work with multiple carriers to compare plan options including major medical, supplemental, and short-term health plans.
In some cases, yes. Qualifying life events — job loss, marriage, birth of a child, etc. — may trigger a Special Enrollment Period. We can review your situation and explore all available options including short-term health coverage. Give us a call at 214-733-8400.
Contact your insurance carrier directly using the claims number on your policy documents or their website — most carriers offer 24/7 claims lines. If you're unsure who to call or need help navigating the process, reach out to us at 214-733-8400 and we'll guide you through it.
It depends on the type of claim, your history, and your carrier's policies. Minor claims or those involving no fault on your part may not affect your rate. We're happy to discuss whether filing a claim makes sense for your specific situation before you proceed.
First, make sure everyone is safe and call 911 if needed. Document the scene with photos, exchange insurance information with the other driver, and file a police report. Then contact your insurance carrier to begin the claims process. We're also here to assist you through it — call us at 214-733-8400.
