Texas Independent Insurance

What Texas Independent Insurance does

Texas Independent Insurance is a privately held, independent insurance brokerage headquartered in Allen, Texas, operating across 44 U.S. states plus the District of Columbia. Founded in 2011 with a headcount of 11-50 employees, the firm serves individual consumers, small-to-mid-size businesses, and real estate investors through licensed insurance agents. The company offers 17 distinct insurance product categories spanning personal lines (auto, home, motorcycle, boat/watercraft, classic car, renters, condo, motor home/RV, umbrella, life), commercial lines (business owners policy, workers compensation, commercial auto, professional liability, data breach), and specialized real estate investment property coverage (rental dwelling, multi-family, builders risk, vacant dwelling, flood). Customer acquisition is sales-led, combining digital channels (SEO-optimized website, quote request forms, educational blog, social media), inside sales (phone and email), and offline in-person consultations at the Allen office.

The brokerage operates on a multi-carrier commission model, representing 36+ insurance carriers including AIG, Allstate, Chubb, Liberty Mutual, MetLife, Nationwide, Progressive, Travelers, Zurich, CNA, The Hartford, and specialty providers such as Hagerty, Hippo, UPC, and USLI. As an independent agency, Texas Independent Insurance earns commissions by placing and servicing policies with these carrier partners rather than being captive to any single insurer; revenue is therefore driven by placed premium volume and renewal trails. Technology infrastructure is limited to third-party tooling: the firm uses EZLynx Agency Suites for workflow management and a client center portal for policy servicing, ID card printing, payments, and claims filing, with no proprietary platforms disclosed. The firm's primary differentiator is its Rate Shop Guarantee, under which the agency will automatically re-shop coverage if a customer's renewal rates increase unfairly. No funding rounds, external investors, leadership team disclosures, certifications, or awards are documented in the source material.

Name

Texas Independent Insurance

Legal name

Texas Independent Insurance

Website

https://knowyouragent.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Texas Independent Insurance is a privately held independent insurance brokerage based in Allen, TX, serving individuals, small businesses, and real estate investors across 44 U.S. states by placing coverage through 36+ carrier partners on a commission basis.

Ownership category

akta.pro rank

Headquarters

HQ city

Allen

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance brokerage, Texas Independent Insurance generates revenue through commissions paid by insurance carrier partners on policies sold to customers. They represent multiple top-rated insurance carriers and earn referral/trail commissions for placing and maintaining business with these carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Texas Independent Insurance is an independent (non-captive) insurance brokerage that places personal, commercial, and specialty property insurance on behalf of clients through 36+ carrier partnerships. The firm sells 17 distinct product lines including auto, home, life, motorcycle, boat, RV, renters, condo, umbrella, flood, commercial (BOP, workers comp, professional liability, commercial auto, data breach), and real estate investor coverages (rental dwelling, multi-family, investment property, builders risk, vacant dwelling). Service is delivered via licensed insurance agents through in-person consultations at the Allen, TX office, phone/email, and a 24/7 Client Center web portal, with revenue earned as commissions from carrier partners.

Product overview

Texas Independent Insurance is a multiple-line, independent insurance brokerage offering a comprehensive portfolio of 17 insurance products. The company operates as a comparison-based brokerage, enabling clients to compare rates across multiple top-rated carrier partners including AIG, Allstate, Progressive, Liberty Mutual, Nationwide, and 30+ others. The product portfolio spans personal lines (auto, home, motorcycle, boat, renters, condo, umbrella), commercial lines (commercial insurance, workers compensation, business owners policy), and specialized property insurance (investment property, rental dwelling, multi-family, builders risk, vacant dwelling, flood, life). The core value proposition is that as an independent agency, they shop multiple carriers on behalf of clients to find optimal coverage and rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Auto insurance coverage for Texas drivers including liability, collision, comprehensive, and uninsured motorist protection, placed through multiple carrier partners.
• Home Insurance Homeowners insurance covering structural damage, personal property, liability, and temporary living expenses.
• Commercial Insurance Business insurance including Business Owners Policy, professional liability, workers compensation, commercial auto, and data breach coverage for small and mid-size business owners.
• Life Insurance Life insurance policies including term life, whole life, and universal life insurance for individual financial needs.
• Investment Property Insurance Insurance for real estate investors covering rental properties against property damage, liability, and lost rental income.
• Motorcycle Insurance Motorcycle insurance covering scooters, mopeds, street bikes, vintage bikes, and cruisers with liability and comprehensive options.
• Motor Home/RV Insurance Recreational vehicle insurance covering motor homes for collision, comprehensive, personal belongings, and liability.
• Boat/Watercraft Insurance Insurance coverage for boats and watercraft including liability, property damage, and fuel spill protection.
• Classic Car Insurance Specialized insurance for vehicles at least 25 years old, tailored to vintage car collectors' unique needs, including agreed value coverage via carrier partner Hagerty.
• Condo Insurance Condominium insurance covering personal liability, guest medical coverage, building property, personal property, and loss assessment.
• Renters Insurance Renter's insurance covering personal property, liability up to $100,000, and loss of use for rental tenants.
• Umbrella Insurance Excess liability insurance providing additional protection beyond standard policy limits for personal assets.
• Flood Insurance Federal flood insurance covering residential buildings up to $250,000 and contents up to $100,000 against flood damage.
• Rental Dwelling Insurance Landlord insurance covering dwelling, other structures, personal property, loss of rental income, and personal liability.
• Multi-Family Insurance Insurance for duplex, triplex, four-plex structures and larger apartment buildings against property and liability risks.
• Builders Risk/Renovation Insurance Coverage for properties under construction or renovation, protecting structures and liability exposures.
• Vacant Dwelling Insurance Insurance for vacant homes covering higher risk exposures when properties are unoccupied for extended periods.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

40 partnerships are on record, tiered core and minor.

• AIGcoreChannel Partner/ Reseller/ DistributorAIG is one of the partner insurance carriers represented by Texas Independent Insurance. The carrier provides customer service (1-800-767-2524) and claims handling for policies placed through the agency.
• AllstatecoreChannel Partner/ Reseller/ DistributorAllstate is a partner carrier providing personal and commercial insurance products. Customer service: 800-366-3495. Claims handled through Allstate's website.
• ChubbcoreChannel Partner/ Reseller/ DistributorChubb is a partner insurance carrier specializing in high-value personal and commercial insurance. Customer service: 1-800-252-4670. Known for premium coverage options.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorLiberty Mutual is a national partner carrier offering auto, home, and business insurance. Customer service: 1-800-426-9898. Provides competitive rates for bundled coverage.
• NationwidecoreChannel Partner/ Reseller/ DistributorNationwide is a partner insurance carrier. Customer service: 1-800-421-3535. Offers wide range of personal and commercial insurance products.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorProgressive is a partner carrier known for competitive auto insurance rates. Customer service: 1-800-776-4737. Offers Name Your Price tool and extensive coverage options.
• TravelerscoreChannel Partner/ Reseller/ DistributorTravelers is a partner insurance carrier. Customer service: 1-800-238-6225. Offers business, home, and auto insurance with extensive coverage customization.
• ZurichcoreChannel Partner/ Reseller/ DistributorZurich is a partner insurance carrier. Customer service: 800-987-3373. Specializes in commercial and specialty insurance products.
• American Modern InsurancecoreChannel Partner/ Reseller/ DistributorAmerican Modern is a partner carrier specializing in specialty insurance including manufactured homes and specialty property. Customer service: 800-375-2075.
• MetLifecoreChannel Partner/ Reseller/ DistributorMetLife is a partner carrier. Customer service: 800-854-6011. Provides auto, home, and life insurance products along with employee benefits.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is a partner carrier specializing in classic and collector vehicle insurance. Customer service: 800-385-0274. Offers agreed value coverage for classic cars.
• Texas Mutual InsurancecoreChannel Partner/ Reseller/ DistributorTexas Mutual is a partner carrier providing workers compensation insurance in Texas. Customer service: 800-859-5995. Specializes in Texas workers comp.
• The Hartford InsurancecoreChannel Partner/ Reseller/ DistributorThe Hartford is a partner carrier. Customer service: 860-547-5000. Known for small business and middle market insurance solutions.
• HagertycoreChannel Partner/ Reseller/ DistributorHagerty is a partner carrier specializing in classic and collector vehicle insurance. Customer service: 800-385-0274. Offers agreed value coverage for classic cars.
• Carson's Crusaders FoundationOthersTexas Independent Insurance partners with Carson's Crusaders Foundation, a nonprofit organization, providing donations of time, services, and money to support their charitable work.
• Compassion InternationalminorOthersTexas Independent Insurance partners with Compassion International, supporting their charitable efforts with donations of time, services, and money.
• Cottonwood Creek ChurchminorOthersTexas Independent Insurance partners with Cottonwood Creek Church, supporting their community initiatives with donations of time, services, and money.
• American General LifecoreChannel Partner/ Reseller/ DistributorAmerican General Life is a partner carrier under AIG, specializing in life insurance products. Claims handled through AIG claims portal.
• American NationalcoreChannel Partner/ Reseller/ DistributorAmerican National is a partner carrier. Customer service: 800-333-2860. Offers personal and commercial insurance products.
• Anchor InsurancecoreChannel Partner/ Reseller/ DistributorAnchor Insurance is a partner carrier. Customer service: 844-365-5588. Specializes in non-standard auto and property insurance.
• ASI LloydscoreChannel Partner/ Reseller/ DistributorASI Lloyds is a partner carrier. Customer service: 1-866-274-5677. Part of American Strategic Insurance group.
• Bankers InsurancecoreChannel Partner/ Reseller/ DistributorBankers Insurance is a partner carrier. Customer service: 800-627-0000. Offers property and casualty insurance products.
• Banner Life InsurancecoreChannel Partner/ Reseller/ DistributorBanner Life Insurance is a partner carrier. Customer service: 1-800-638-8428. Specializes in term life insurance products.
• Berkshire Hathaway GUARDcoreChannel Partner/ Reseller/ DistributorBerkshire Hathaway GUARD is a partner carrier. Customer service: 1-800-673-2465. Offers personal lines insurance products backed by Berkshire Hathaway.
• Brisol WestcoreChannel Partner/ Reseller/ DistributorBrisol West is a partner carrier. Customer service: 800-274-7865. Specializes in non-standard auto insurance.
• CNAcoreChannel Partner/ Reseller/ DistributorCNA is a partner carrier. Customer service: 877-574-0540. Specializes in commercial insurance and risk management solutions.
• ForemostcoreChannel Partner/ Reseller/ DistributorForemost is a partner carrier. Customer service: 1-800-527-3907. Specializes in specialty insurance including mobile homes and niche property products.
• HippocoreChannel Partner/ Reseller/ DistributorHippo is a partner carrier. Customer service: 1-855-999-9746. A tech-enabled home insurance provider known for modern customer experience.
• InfinitycoreChannel Partner/ Reseller/ DistributorInfinity is a partner carrier. Customer service: 1-800-334-1661. Specializes in non-standard auto insurance for high-risk drivers.
• KempercoreChannel Partner/ Reseller/ DistributorKemper is a partner carrier. Customer service: 866-536-7376. Offers personal and commercial insurance products including auto and specialty coverage.
• Lighthouse InsurancecoreChannel Partner/ Reseller/ DistributorLighthouse Insurance is a partner carrier. Customer service: 1-877-852-0606. Provides property and casualty insurance products.
• Lloyds InsurancecoreChannel Partner/ Reseller/ DistributorLloyds Insurance is a partner carrier. Customer service: 44(0)20 7327. Provides specialty and commercial insurance through the Lloyd's of London market.
• Maison InsurancecoreChannel Partner/ Reseller/ DistributorMaison Insurance is a partner carrier. Customer service: 844-962-4766. Specializes in specialty insurance products.
• Mercury InsurancecoreChannel Partner/ Reseller/ DistributorMercury Insurance is a partner carrier. Customer service: 800-503-3724. Known for competitive auto insurance rates.
• Philadelphia InsurancecoreChannel Partner/ Reseller/ DistributorPhiladelphia Insurance is a partner carrier. Customer service: 1-800-765-9749. Specializes in niche commercial insurance products.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorSafeco Insurance is a partner carrier. Customer service: 1-800-332-3226. Part of Liberty Mutual, offers personal insurance products.
• State Auto InsurancecoreChannel Partner/ Reseller/ DistributorState Auto Insurance is a partner carrier. Customer service: 877-722-5246. Regional carrier offering personal and commercial insurance.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorUnited Healthcare is a partner carrier. Customer service: 888-545-5205. Provides health insurance products and related coverage.
• UPC InsurancecoreChannel Partner/ Reseller/ DistributorUPC Insurance is a partner carrier. Customer service: 888-256-3378. Specializes in wind and hurricane coverage for coastal properties.
• USLIcoreChannel Partner/ Reseller/ DistributorUSLI is a partner carrier. Customer service: 800-523-5545. Specializes in specialty lines insurance including umbrella and excess liability.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• HUB International: Large North American insurance brokerage offering personal, commercial, and specialty lines through multi-carrier representation. Same independent brokerage model as Texas Independent Insurance but at substantially greater size and capabilities.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm placing P&C, benefits, and personal lines through carriers. Larger incumbent providing a scaled benchmark for the multi-line independent brokerage business model.
• Brown & Brown: National insurance brokerage and risk management firm with multi-carrier placement across commercial and personal lines. Public peer and PE-style roll-up acquirer relevant for independent agency benchmarking.

Direct peers

• Brightway Insurance: Franchise model independent insurance agency placing personal and commercial lines across multiple carriers. Operates the same core business — multi-carrier brokerage with licensed agents — but at much greater scale via franchising.
• Higginbotham: Texas-headquartered independent insurance brokerage serving personal and commercial clients through multi-carrier representation. Directly comparable in geography (Texas-DFW roots), independent agency model, and product breadth.
• Goosehead Insurance: Publicly traded independent insurance agency that places personal lines through multiple carriers with a similar comparison/advocacy model. The closest publicly observable proxy for Texas Independent Insurance's go-to-market approach and product mix.
• Leavitt Group: Network of independent insurance agencies representing multiple carriers for personal and commercial lines. Closely mirrors Texas Independent Insurance's relationship-based, multi-state independent brokerage model.

Emerging players

• Hippo Insurance: Tech-enabled home insurance provider listed as a carrier partner of Texas Independent Insurance. Represents the digital-first competitor/cooperator increasingly reshaping personal lines distribution.

Others

• Trusted Choice: Network/brand for independent insurance agents and brokers, helping them access multiple carriers and lead generation. Comparable as an ecosystem enabler rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/texas-independent-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Texas Independent Insurance