Simplifying Insurance, Maximizing coverage.

Serving Houston and neighboring areas since 1994
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Personal Lines

With over 25 years of experience, we're equipped to insure a diverse range of assets, from your primary and vacation homes to condos, valuable items, and vehicles, including motorcycles, boats, and yachts.

Commercial

A complete business property insurance plan is one of the smartest investments you can make in your business. It protects the costly physical assets of your company, such as the building, its contents and any outdoor fixtures

Property

Personal and commercial property insurance can protect your business against everything. A complete property insurance plan is one of the smartest investments you can make in your business.

Industrial

We understand the unique risks heavy construction contractors face in Houston, Texas. Let us help you navigate through coverage that can be confusing without the help of a professional insurance agent.

Protecting What Matters

Your Trusted Insurance Partner

Welcome to Top Tex Insurance Agency, Inc., where your security is our top priority. With a wide array of insurance services, including commercial insurance, home insurance, and auto insurance, we are dedicated to providing you with comprehensive coverage tailored to your unique needs. Experience peace of mind with policies designed to protect what matters most to you and your business.

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discover our suite of

Comprehensive Insurance Services

Discover a range of insurance services designed to cover every aspect of your life and business. From securing your home and vehicles to protecting your commercial interests and employees, Top Tex Insurance Agency Inc. offers tailored solutions that bring you peace of mind.

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Auto & motorcycle Insurance

Drive With Confidence

Whether you're commuting to work or embarking on a road trip, Top Tex Insurance offers auto insurance policies that provide protection against road mishaps. Our policies cover a range of vehicles and motorcycles, offering various levels of coverage, including liability, collision, comprehensive, and uninsured motorist coverage. We tailor our auto insurance plans to meet the individual needs of our clients.

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Property coverage

Essential Home Insurance

Your home is your sanctuary, but it's also vulnerable to a range of risks, including natural disasters, theft, and other unforeseen events. Our home insurance policies are crafted to provide comprehensive protection for your property and possessions, offering peace of mind for you and your family. With customizable coverage options, ensure that your home, the heart of your life, is adequately protected against any eventuality.

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Workers Compensation

Employee Safety Net

Protecting your employees is not just a legal requirement; it's a critical component of a caring and responsible business. Our workers' compensation insurance ensures that employees who get injured or sick on the job are covered for their medical treatments, lost wages, and rehabilitation. This coverage not only supports your team's well-being but also safeguards your business from potential financial liabilities.

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Secure Transit

Safeguard Your Cargo

The journey of goods from point A to point B is fraught with potential risks, from damage during transit to loss and theft. Our cargo insurance policies are designed to protect your commodities, whether they travel by land, sea, or air, offering comprehensive coverage that provides peace of mind to both senders and recipients. Customize your policy to match the value and sensitivity of your cargo, ensuring your business remains resilient against transit risks.

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Commercial Confidence

Protecting Your Business

Every business faces unique challenges and risks, which is why our commercial insurance solutions are tailored to meet the specific needs of your operation. From property damage and liability to business interruption, we offer a broad range of coverage options to protect your livelihood and ensure business continuity. Partner with us to safeguard your business against the unexpected, allowing you to focus on growth and success.

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complete Boat Insurance

Nautical Coverage

The freedom of the open water comes with specific challenges and risks, making boat insurance an essential safeguard for your aquatic adventures. Our policies cover a wide array of watercraft, from yachts to fishing boats, providing coverage for hull damage, liability, and more. Enjoy your time at sea knowing that you're protected against the unpredictable.

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Bonded & Assured

Financial Security Solutions

The journey of goods from point A to point B is fraught with potential risks, from damage during transit to loss and theft. Our cargo insurance policies are designed to protect your commodities, whether they travel by land, sea, or air, offering comprehensive coverage that provides peace of mind to both senders and recipients. Customize your policy to match the value and sensitivity of your cargo, ensuring your business remains resilient against transit risks.

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What Our Clients Say

"I'm thoroughly impressed with Top Tex Insurance Agency. Their team provided exceptional, personalized service, ensuring I got the right coverage at great rates. Their expertise and dedication to customer satisfaction are unmatched. I highly recommend them for anyone seeking top-quality insurance services."

"Top Tex Insurance Agency has been a game-changer for my business. Their professionalism and deep understanding of business insurance have provided my company with the protection it needs. Their personalized service and commitment to their clients are outstanding. I trust them completely for all my business insurance needs."

"Top Tex Insurance Agency stands out for its excellent service and personal touch. They made the insurance process understandable and tailored to my family's needs, providing peace of mind. Their responsiveness and commitment to clients are commendable. I highly recommend Top Tex for reliable and personalized insurance solutions."

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Frequently Asked Questions
  • What makes Top Tex Insurance Agency Inc. so popular?

    Serving the greater Houston region, we stand as your premier destination for comprehensive insurance services. Our unwavering commitment to delivering exceptional insurance solutions has solidified Top Tex Insurance Agency Inc.'s reputable standing in the insurance industry. Recognized for excellence, Top Tex Insurance Agency Inc. emerges as the optimal choice for all your insurance needs. We proudly offer affordable, customizable insurance services tailored precisely to meet your specific requirements. For unparalleled service and detailed information, contact us today!

  • What type of auto coverage do you offer?

    Collision Coverage

    Collision coverage pays for damage to your car without regard to who caused the accident. The company must pay for the repair or up to the actual cash value of your vehicle, minus your deductible.


    Comprehensive Coverage 

    Comprehensive coverage covers physical damage other than collisions.  That is to say, it pays for damage to or loss of your automobile from causes other than accidents. These include events such as hail, vandalism, floods, fires, and theft.


    Liability Coverage

    Liability insurance pays for injuries to the other party and damages to the other vehicle resulting from an accident you caused. It also pays if the accident was caused by someone covered by your policy, including a driver operating your car with your permission.


    Liability Limits

    Liability limits are the maximum amount your liability policy will pay. Your policy must pay at least $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage per accident. This basic coverage is called "25/50/25" coverage.


    Medical Payments and Personal Injury Protection (PIP)

    PIP coverage pays both for limited medical and funeral expenses if you, a family member, or a passenger in your car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.


    Uninsured/underinsured motorist (UM/UIM) coverage

    Uninsured/underinsured coverage pays for property damage and injuries caused by a hit-and-run driver or a motorist without the proper insurance. It will also pay when your medical and car repair bills are higher than the other driver´s liability coverage.

  • What does your property insurance cover?

    Replacement Cost 

    Replacement costs cover the cost of replacing or repairing property at the same or equal value. The coverage is based on replacement cost values rather than the cash value of items.


    Actual Cash Value 

    Actual cash value coverage pays the owner or renter the replacement cost minus depreciation. If the destroyed item is 10 years old, you get the value of a 10-year-old item, not a new one.


    Extended Replacement Costs 

    Extended replacement costs pay more than the coverage limit if the costs for construction have gone up. Usually, it will not exceed 25% of the limit. 

  • What does your commercial insurance cover?

    • Builder's Risk Insurance
    • Business Owner's Policy
    • Bonds: Surety & Fidality
    • Cargo
    • Commercial Auto Insurance
    • Commercial Bond
    • Commercial General Liability
    • Commercial Umbrella
    • Dump Truck Insurance
    • Garage Liability
    • Professional Liability
    • School Bus
    • Worker's Compensation
    • Wrecker Service
    • 18 Wheelers
    • 48 States & Long Haul
    • Fracking
    • Oil Drilling
  • What does your industrial insurance cover?

    Industrial insurance, designed for heavy equipment or commercial contractors, safeguards against damage or loss of equipment during a job, including borrowed tools and cleanup efforts. With over 25 years of experience, our agency specializes in navigating the complexities of heavy equipment insurance, ensuring Houston contractors save time and money. It's crucial for contractors to have comprehensive industrial coverage; we're here to assist in reviewing existing policies for gaps and securing the best coverage at competitive prices.

    • Cranes
    • Forklifts
    • Front Loaders
    • Caterpillars
    • Heavy Equipment
  • How can I get in contact with you?

    Please don't hesitate to reach out to us by phone at 713-946-1004, email at toptexins@yahoo.com, or by using our contact form.

    We look forward to hearing from you!

Insurance

Contact Our Team

Have a question? Send us a message or text us at 713-946-1004, and we’ll be in touch.


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