NR
Noema Ramos
★★★★★
I buy my car insurance here, already several years, they always find me the best price. I recommend them to everyone
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Home, apartment and flood insurance in Houston
Your home is probably the biggest investment of your life. I explain exactly what each policy covers before you sign, not after the storm.
Home and flood are not the same policy
This is the most common confusion in Houston and the most expensive one. Your home policy covers fire, theft, vandalism, hail and wind. Flood damage is not included and requires a separate policy.
Houston has lived this several times. Thousands of families who believed they were covered discovered after a storm that their policy did not respond for the water that entered the house. I would rather explain it beforehand.
Something almost nobody knows
Flood policies typically have a 30-day waiting period before taking effect. That means you cannot buy one when the storm is already in the news. You need it in place ahead of time.
What we offer
- Homeowners insurance: for your own home, covers structure and contents
- Flood insurance: separate policy, essential in Houston
- Renters: if you rent, protects your belongings even though you do not own
- Apartment insurance
- Rental property: if you are the landlord
If you rent, this matters
The building policy covers the structure, not your things. If there is a fire or a theft, your furniture, clothing, television and computer are not covered by the owner's insurance.
Renters insurance costs relatively little per month and also includes liability, protecting you if someone is injured in your apartment or if you accidentally damage the property.
How to lower the cost
- Bundling home with auto usually earns a discount
- A higher deductible lowers the monthly premium
- Alarms, smoke detectors and a newer roof can reduce the price
- Comparing across several companies, which is exactly what we do
Frequent questions
Does home insurance cover flooding in Houston?
No. A standard home policy covers fire, theft, vandalism, hail and wind, but flood damage requires a separate policy. In Houston, with hurricane season every year, it is coverage worth seriously considering.
How long before flood insurance takes effect?
Flood policies generally have a 30-day waiting period from purchase before taking effect. That is why you cannot buy one once a storm is announced: you need it in place ahead of time.
I rent my apartment, do I need insurance?
The building policy covers the structure, not your belongings. Renters insurance protects your furniture, electronics and clothing against fire or theft, and includes liability if someone is injured in your home. It costs little per month.
Does home insurance cover hurricane damage?
Wind and hail are generally covered by the standard policy. Water entering through flooding is not. On the Texas coast some policies carry a separate hurricane deductible, which we explain before you sign.
Can I insure my home without a Social Security number?
Yes. We work with companies that issue home policies using an ITIN or other identification. Message us with your situation and we confirm the available options.
Get your price in 1 minute
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What our clients say
Real reviews published by clients on our Google profile.
4.8
★★★★★
86 Google reviews
DG
Dinia Gomez
★★★★★
I have been with this company for many years, very friendly, the girls always find me the best price! Just renewed my auto policy again
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PV
Pedro Vicente
★★★★★
Just renewed my policy once more, 4 years with this company, they help me find the best price. I recommend them to everyone
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AM
Amber Magadan
★★★★★
I referred two of my friends here and I got a gift card just like that!! I recommend them they are Great with customer service and getting you good deals!! Thank you for my gift card I love it!!!
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LV
Lauro Manuel Velasquez
★★★★★
I have been here for over 5 years and just renewed my policy. The girls always find me the best price. I recommend them to all my friends
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BG
Briseida Gonzalez
★★★★★
Thank you Alaila for helping us get the cheapest rate insurance we approved of. Great customer service and great help. Come get your car insurance here. Good prices and great customer service.
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JL
Javier Lorenzana
★★★★★
I brought my insurance for my car a few times here the girls are so helpful and always find the best price, i recomend to everyone
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MC
Mateo Chic yat
★★★★★
I bought an airline ticket here
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FR
Flawless Ren
★★★★★
This is a very recommendable place, just got my dads policy checked and the lady is very nice. Very affordable.
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MM
Misael Muñoz
★★★★★
Excellent staff, their team is dedicated to providing the best possible service. I highly recommend them to anyone who needs their services.
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SH
Sarahi Hernandez
★★★★★
Excellent service!!! Amparo prepared my taxes, I forgot a form and she very kindly helped me get the information I was missing. She is a person with a lot of knowledge of what she does. I recommend Repreza Insurance Multiservice, Alaila is also very friendly and always ready to help. Thank you Repreza Insurance.
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