Houston's independent insurance broker — auto, home, flood, and business coverage built around your real risks

A captive agent — like a State Farm or Allstate agent — can only offer products from that one company. If their pricing increases or their underwriting tightens on your ZIP code, your only options are to accept the rate or start over. An independent broker like TWFG Elkhalil Insurance works for you, not for any carrier. We shop your coverage across dozens of A+ rated companies simultaneously and find the combination of price, coverage terms, and deductibles that fits your specific situation.

In Houston's current market — where multiple carriers have restricted coverage in specific Harris County ZIP codes following Harvey and subsequent storm seasons — this flexibility is particularly consequential. A captive agent whose carrier pulls back from your neighborhood has no alternative to offer. We do. The gap between the highest and lowest competitive quotes for the same Houston home is frequently $800–$1,500/year. That difference is only visible when someone compares them simultaneously.

Houston clients who switch through us save an average of $237–$340 per year on a single policy. Bundling home and auto with the same carrier typically adds another 10–15% — on a Houston household paying $4,200/year for homeowners and $2,400/year for auto, a 15% bundle discount saves approximately $990/year. That combined saving often exceeds the full annual cost of adding a $1 million personal umbrella policy ($160–$300/year).

Texas homeowners insurance rates rose approximately 27% statewide between 2021 and 2024 — but carriers did not raise rates equally. The same home that generates a 30% renewal increase at one carrier may be written competitively by another. The only way to find out is a simultaneous comparison across multiple carriers — which is exactly what we do. Get a free quote — it takes a few minutes and there's no obligation.

Yes — and this is the most financially consequential coverage gap for Houston homeowners. Standard homeowners insurance explicitly excludes flood damage regardless of the cause. According to FEMA, over 40% of flood insurance claims nationally come from properties outside designated high-risk flood zones. Hurricane Harvey — which caused an estimated $125 billion in damage across the greater Houston area — flooded Zone X properties in Katy, Cypress, Friendswood, Sugar Land, and League City that had never flooded before and where flood insurance was not required by lenders.

A typical Zone X NFIP flood policy in the Houston area costs $400–$900/year. One inch of water causes an average of $25,000 in damage. The critical timing issue: NFIP flood policies have a 30-day waiting period — you cannot purchase coverage after a storm is already forming in the Gulf. For Houston homeowners, the right time to buy is before June 1. We offer both NFIP and private flood insurance options — private flood often provides higher limits, shorter waiting periods, and additional living expenses coverage the NFIP does not include.

Never. When you call (281) 990-1341 you reach our Houston team directly — not an automated system, not a national call center, not a queue. We're available Monday–Friday 9am–5pm and Saturday 10am–2pm, and reachable by phone, text, or email outside those hours for urgent situations.

This matters most when something goes wrong. When a hail storm moves through Katy or a pipe bursts in a Pearland rental property at 6pm on a Friday, you should be able to reach a person who knows your account — not navigate a carrier's automated claims portal alone. That direct access is one of the most consistent things our 136 five-star Google reviews mention.

We cover personal and commercial insurance across Texas with specific market expertise in Houston, Katy, Sugar Land, Pearland, The Woodlands, Cypress, Friendswood, League City, Humble, and Baytown.

Personal lines: car insurance, homeowners insurance, flood insurance, umbrella insurance, condo insurance, rental property insurance, motorcycle insurance, and boat insurance.

Commercial lines: business owners policy (BOP), general liability, workers compensation, contractors insurance, commercial auto, and commercial property. Mohammed Elkhalil holds Texas Insurance License #2427360 and has seven years of industry experience in the Texas market.