Personal Insurance 個人保險
Insurance built around your life. 為您的生活量身打造的保障。
Auto, home, renters, and umbrella liability — bilingual guidance, Texas-aware coverage, and a licensed agent who answers your email personally. 汽車、房屋、租屋及傘式責任險 — 雙語諮詢、針對德州量身規劃，由持牌經紀人親自回信。
What we cover 承保範圍
Core personal lines. 核心個人險種。
Auto 汽車保險
Liability, your own car, and the other drivers around you — built around how you actually drive. 責任險、車體險與周圍駕駛人保障 — 依您實際駕駛習慣量身規劃。
- Liability — TX legal minimum is 30/60/25; most clients carry more.責任險 — 德州法定最低 30/60/25，多數客戶選擇較高額度。
- Collision & comprehensive for your vehicle.碰撞險與綜合險，保障您的車輛。
- Uninsured / underinsured motorist (UM/UIM).無/不足額保險駕駛人保障（UM/UIM）。
- PIP, medical payments, towing, rental, gap.人身傷害保護（PIP）、醫療給付、拖吊、租車、GAP。
Home 房屋保險
Dwelling, contents, liability, and Texas-specific risks like hail, wind, and freeze. 房屋結構、財物、責任險，並涵蓋德州常見的冰雹、強風與寒冷災害。
- HO3 for owner-occupied; HO6 for condo unit owners.自住房屋採用 HO3；公寓單位採用 HO6。
- Separate wind/hail deductible vs all-other-peril.風雹自負額與一般災害自負額分開計算。
- Class 4 impact-resistant roof discount (UL 2218).Class 4 抗冰雹屋頂折扣（UL 2218 認證）。
- Loss of use, personal liability, scheduled items.居住損失、個人責任、貴重物品加保。
Renters 租屋保險
Your landlord's policy protects the building — not your stuff. Renters insurance is fast and affordable. 房東的保單只保障建物本身，您的財物仍需自行投保。租屋險投保快速、保費親民。
- HO4 form — personal property + personal liability.HO4 保單 — 個人財物加上個人責任險。
- Loss of use if your unit becomes unlivable.若住處因災害無法居住，提供臨時住宿補償。
- Off-premises coverage (laptop, bike, suitcase).外出財物保障（筆電、自行車、行李）。
- Most policies under $20/month in Texas.德州大多數方案月費低於 20 美元。
Umbrella 傘式責任險
Extra liability that sits on top of your auto and home — for the worst day you hope never comes. 建立於汽車與房屋保單之上的額外責任險 — 為極端事故提供更高保障。
- $1M – $5M+ in added liability limits.提供 100 萬至 500 萬美元以上的額外責任保額。
- Triggers after underlying auto/home limits exhaust.於底層汽車/房屋保額用盡後啟動。
- Often a few hundred dollars per year.年費通常僅數百美元。
- Requires you to maintain minimum underlying limits.需先維持規定的底層保額。
Also available 其他保險
Specialty lines on request. 特殊險種可依需求安排。
Reach out and we'll match you to the right specialty market. 歡迎來信，我們將為您配對合適的特殊市場。
Carrier roster 合作保險公司
Carriers we represent. 我們合作的保險公司。
Every quote is shopped across multiple A-rated carriers. Roster spans personal, commercial, and specialty markets. 每次報價皆於多家 A 級評等保險公司中比較，包含個人、商業與特殊市場。
Auto汽車
Home & Dwelling房屋與住宅
Renters租屋
Landlord / Investor房東 / 投資物業
Umbrella傘式責任
Specialty Personal特殊個人險
BOP & General Liability綜合營業險與一般責任險
Commercial Property / Landlord商業財產 / 房東
Commercial Auto / Trucking商業車險 / 卡車
Workers' Compensation勞工賠償險
Cyber Liability網路責任險
Surety & Bonds保證書與履約保證
Wholesale & MGA批發與 MGA
Niche & Programs利基與專案
Carrier roster subject to change; appointments through SIAA / Smart Start / Express Markets. Availability varies by ZIP, risk profile, and underwriting. 合作保險公司可能異動；透過 SIAA / Smart Start / Express Markets 取得授權。可承保保險公司視郵遞區號、風險與核保條件而定。