Protect the place you call home with clear advice and coverage options that fit your needs. As an independent agent, I compare home insurance options from multiple carriers in Texas and Arizona. I explain the choices in plain English, so you can make a confident decision without sorting through confusing terms alone.

Coverage to review:

• Dwelling, including the home itself and attached features

• Other structures, such as a detached garage or fence

• Personal property, from furniture to clothing and electronics

• Loss of use when a covered loss makes the home unlivable

• Personal liability for covered injuries or property damage

I will also talk about wind and hail deductibles, which can work differently from the rest of a policy. Flood damage is generally separate from standard home policies, so ask me about flood coverage if your home or belongings could be at risk. I can explain the difference between replacement cost and actual cash value simply: replacement cost focuses on what it may take to replace an item today, while actual cash value considers age and depreciation.

Homeowners are not the only people who need protection. I can also help renters review personal property and liability coverage, and I can explain condo coverage for the parts of a unit and belongings that you are responsible for. Texas Insurance License #2331779. Call or text when you are ready to compare options and request a quote.