Independent Property & Casualty Insurance Agent in Texas 65 years experience providing insurance solutions
Facebook insurance agent LinkedIn insurance agent
(214) 823-3003


Home, Auto and Business Insurance

Automobile, RV and Motorcycle

Car, Automobile, Motorcycle, RV Insurance

Get Quote for car insurance.

Learn More about commercial and personal insurance

Home & Renters

home, dwelling, renters insurance

Get Quote for home and rentors insurance.

Learn More about apartment, dwelling, home, rentals insurance

Commercial

Commercial Insurance for indivdual and business

Get Quote for commercial and business insurance.

Learn More about automobile, workers compensation, property and liability insurance

Name

City

Email

Phone

Type of Insurance Requested

Submit Service Request
Texas Only
Car Insurance for Texas drivers

Question:

Why are my premiums going up?

Answer:

The cost of your homeowners insurance is going up in Texas, as it is across the country. Many factors can affect that cost, such as the deductible you select, the quality of your insurance coverage and the increasing value of your home; however, it is clear that rates are increasing for many customers. 

Did you know:

-In the last five years, Texas has experienced losses from all five major catastrophes:  hurricanes, wind and hail, floods, wildfires and earthquakes.

-The average property loss per homeowners policy in Texas is greater than the average premium in other states.

-According to the Texas Department of Insurance, thirty-five states have experienced average premium increases higher than Texas.

-According to the Texas Department of Insurance, the property insurance industry has been less profitable in Texas than it has been countrywide.

-Over the past sixty years, Texas has had the highest number of Federal Disaster Declarations.

We strive to find the best coverage for you at the lowest possible cost, but if you have questions about what you can do to decrease your premium, please call us.


This article was prepared and made available to your agent by the Independent Insurance Agents of Texas, which is solely responsible for its content. Please read your insurance policy. If there is any conflict between the information in this article and the actual terms and conditions of your policy, the terms and conditions of your policy will apply. The Independent Insurance Agents of Texas is a non-profit association of more than 1,500 insurance agencies in Texas, dedicated to helping its members succeed, in part by providing technical resources that explain insurance policies sold to their customers.

September 12th, 2019

Posted In: Articles

Tags:

We are building a new home [or remodeling our existing home]. Do we need any additional insurance coverage for this project? That is a great question, and one that our customers ask frequently.

Whether you are building a new home or remodeling your current home, there are some important insurance issues to consider. The homeowners insurance policy covering your existing home provides some coverage in these situations, but you may need some changes to your policy or additional policies.

Read More ….

July 17th, 2019

Posted In: Articles

Tags:

Are you tempted to take a ride on an electric scooter rental? Here are a few things you should know about insurance before you take off. Check out these tips offered by Texas Department of Insurance

https://www.tdi.texas.gov/takefive/scooter-insurance.html

March 14th, 2019

Posted In: Articles

Tags:

Loan or Lease gap insurance, you may have heard of it; if you finance or lease your vehicle and it gets totaled, loan/lease gap coverage can cover the difference between the current value of your vehicle and what is owed on it.

Read More …

 

 

 

April 18th, 2018

Posted In: Articles

 

Public Wi-Fi spots are everywhere these days. They’ are convenient, especially when you’’re on the go, but they could also leave your information vulnerable. Here are some tips from The Hartford Steam Boiler Inspection and Insurance Company on how to use public Wi-Fi safely.

Link – How to Be Safer When Using Public Wi-Fi

 

Contact our office if you’re interested in protection for Commercial Equipment Breakdown, Data Compromise and Identity Recovery Insurance. 

April 11th, 2018

Posted In: Articles

Click on image to play short Video
Basics of Homeowners Insurance

Request a Quote

Application

Fax completed form to (888) 607-7154

 

February 27th, 2018

Posted In: Articles

If you suffered property damage or loss directly caused by Hurricane Harvey, you are urged to register with the Federal Emergency Management Agency (FEMA) and apply for disaster assistance – even if you have insurance. Help may be available for uninsured or underinsured losses or when insurance claims are not promptly settled.

Read More …

 

 

 

September 13th, 2017

Posted In: Articles

Are you prepared for a hurricane? Follow this checklist to stay safe and protect your home from a tropical storm or hurricane.

Build an emergency kit

Be ready for anything! Check out this list of recommended items: http://www.ready.gov/kit

Develop a family disaster plan.

FEMA’s Ready Kids Program gets the whole family involved in preparation. http://www.ready.gov/kids 

Mobile-App

Check out this free mobile app award-winning app that helps you, your family, and even your pets prepare to safely get out of harm’s way before trouble starts. Use preloaded checklists to discover key mitigation and preparation steps, or create your own lists from scratch. Either method lets you set due dates, chart progress, and include notes, contact lists, and other information—and share your checklists with family and friends: Know Your Plan

August 24th, 2017

Posted In: Articles

Having a car emergency kit in your car is sort of like having good insurance. You hope you’ll never need it—but boy are you glad it’s there on road trips if you have an accident or need to help others.

If you become stranded, it can be critical to have the right supplies to speed up being rescued, say driver-safety experts. This is especially true in winter weather, when having the right supplies could also mean your survival.

It’s easy to be prepared for road trips. Auto emergency kits with most of these essentials cost $30 to $100 at stores that sell auto accessories. But you can also assemble your own car emergency kit. To be ready for any roadside emergency, here’s what you should include.

What Belongs in the Trunk

Use a sturdy canvas bag with handles or a plastic bin to store your auto emergency kit, and secure it so it doesn’t roll or bounce around when the car is moving. Include the following:

  • Flashlight and extra batteries
  • Cloth or roll of paper towels
  • Jumper cables
  • Blankets
  • Flares or warning triangles
  • Drinking water
  • Nonperishable snacks, such as energy or granola bars
  • Extra clothes
  • First-aid kit
  • Basic tool kit that includes, at minimum, flat-head and Phillips screwdrivers, pliers, and adjustable wrench

Winter Add-ons

Inventory your items in the winter and spring, and include these six items before the winter months:

  • Window washer solvent
  • Ice scraper
  • Bag of sand, salt, or cat litter, or traction mats
  • Snow shovel
  • Snow brush
  • Gloves, hats, and additional blanket

Glove Compartment

Not all emergency equipment should be behind the backseat or in the trunk. Here are three essential items to stow within the driver’s reach:

  • Mobile phone
  • Phone charger
  • Auto-safety hammer (some have an emergency beacon and belt-cutting tool, too)

Call Us

Contact one of our agents at the Sheaner Insurance agency for a Quote or to help with your risk management plan.  Also consider our agency when renewing your personal home, auto, boat, motorcycle and umbrella coverages.  With more than 65 years in business we are able to provide great service, pricing and convenience with the many fine insurance carriers we represent.

January 16th, 2017

Posted In: Articles

Texas has twice as many motorists killed in vehicles colliding with wild animals than any other state.

According to the Insurance Institute for Highway Safety (IIHS), more than 5,000 vehicle/animal crashes occur annually on Texas highways and on average, 17 people are killed every year in these crashes.… Continue reading

 

 

November 4th, 2016

Posted In: Articles

Next Page »