Affordable homeowners insurance in Katy: compare HO3, DP3, HO6 and renters coverage — plus flood protection for Texas weather risks.
Your home is your biggest investment. We help homeowners, landlords and renters protect their property from hurricanes, floods and severe storms.
The most popular policy for people living in their own home: external structure and roof, personal belongings, liability if someone is hurt on your property, medical expenses for visitors and living expenses if the home becomes uninhabitable.
For owners who do not live in the home and rent it to tenants. Covers the building structure and liability; tenant belongings are excluded and personal property coverage is optional.
Specialized coverage for condo and townhome owners: personal belongings, liability and living expenses, complementing your community master policy and covering the upgrades you made.
Affordable protection when you rent in Katy: your belongings, liability protection and temporary living expenses. Your landlord’s insurance does not cover your things — this does.
Most standard homeowners policies do not cover flood damage from hurricanes, heavy rainfall or flash floods — common risks in the Katy area. A separate flood policy protects against:
Given Katy's proximity to lakes and its flooding history, flood insurance is highly recommended. We help you understand your risk and find affordable coverage.
Not always by law — but it is required if you have a mortgage in a flood zone. Even when it is not required, it is highly recommended for Katy properties given the weather risk. Ask us to check your flood zone.
HO3 is for homeowners who live in the property; DP3 is for landlords and investors who rent it out. The main difference is that DP3 excludes tenant belongings coverage.
It depends on your home’s value, age, construction type, coverage limits, deductible and claims history. We compare quotes from multiple companies to find the best rate for you.
Yes. Most companies offer 10–25% discounts when you bundle home and auto, and we check every available bundle to maximize your savings.
Higher deductibles ($1,000–$2,500) mean lower premiums but more out of pocket at claim time; lower deductibles cost more monthly. We help you pick what fits your budget.
★ 4.8 based on 91 Google reviews
I fully recommend their tax and legal document services. They are kind, professional and clearly very knowledgeable — they bring clarity and peace of mind to their clients.
Eternally grateful to all of you, especially Diego Ospina, who handled my need for a COI for my client. Thank you for helping me year after year with general liability, workers comp and company vehicles.
A great and very smooth first transaction. Clear with their request, fast and correct in their responses, paid on time. VERY professional and easy to work with.
Great customer service, super professional. I am very happy with the service they gave me — completely satisfied and I recommend them.
I asked Camilo about the insurance I needed and 30 minutes later he was calling me back with options. They guided me through the whole process and solved in hours a problem I had carried for weeks.
Great service and they find you the prices. I have had my car insured with them for two years now.
I was really satisfied — they do their job very well, they are interested and relevant. I had car insurance with them and I was very satisfied.
They compared several carriers for my home policy and explained every difference in plain language. Fast, bilingual and genuinely helpful.
Our online portal lets Katy homeowners get a quote and be on their way to coverage in a few minutes — or chat with an agent on WhatsApp, Monday to Saturday, 10am to 10pm.
A Loyal Services agent will review your information and contact you with the available options.