Ryan Everet Insurance Agency

What Ryan Everet Insurance Agency does

Ryan Everet Insurance Agency is an independent insurance brokerage based in Denton, Texas, founded by David Call and operating as Ryan Everet Insurance Agency, LLC. The firm is licensed in Texas (resident license 2059979) and Utah (non-resident license 688871) and represents more than 50 insurance carriers, including Travelers, Liberty Mutual, Progressive, Nationwide, Chubb, Homeowners of America, Foremost, Safeco, Hagerty, Germania Farm, Dairyland, and American Modern. By acting as an independent intermediary rather than a captive agent, Ryan Everet is positioned to shop multiple carriers on behalf of each client in order to match coverage and pricing to the buyer's risk profile. The agency serves individual consumers, families, small and mid-sized businesses, real estate investors, and specialty vehicle owners in North Texas and beyond.

The product portfolio spans personal lines (auto, homeowners, life, renters, flood, motorcycle, RV, boat/watercraft, classic/collector vehicles, and umbrella), commercial lines (Business Owner Policy, commercial auto, general liability, workers compensation, professional liability, cyber liability), and rental property insurance in DP-1, DP-2, and DP-3 forms. Distribution is direct-to-consumer through a single Denton office at 121 Hann Street, supplemented by 24/7 web-based quote forms, phone and email sales, a client portal for policy servicing, and a Referral Rewards Program tied to local charity donations. The agency also invests in top-of-funnel awareness through the Denton Chamber of Commerce, the Denton Main Street Association, and nonprofit partnerships.

The revenue model is commission-based: Ryan Everet earns carrier-paid commissions on policies sold, renewed, and serviced, with quoted bundling savings of $400-$500 per household serving as a documented customer-acquisition lever. Pricing is fully quote-based with no public tiers, and discounts are sourced from carriers (e.g., good student, mobile-app telematics). Technology stack is limited to standard insurance agency software and website quote forms; no proprietary platform, API, or AI capability is disclosed. Headcount is in the 1-10 range across seven named professionals (David Call as Owner, Linda Dodson as Agency Director, plus four Insurance Advisors/Account roles and a Billing Specialist), and customer reputation is anchored by a 5.0 Google rating across 213 reviews as of the most recent public data.

Name

Ryan Everet Insurance Agency

Legal name

Ryan Everet Insurance Agency, LLC

Website

https://texasautohome.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Ryan Everet Insurance Agency is an independent Texas-based insurance brokerage representing 50+ carriers and serving individual consumers, small businesses, landlords, and specialty vehicle owners across personal, commercial, and rental property lines via direct-to-consumer and referral channels.

Ownership category

akta.pro rank

Product category

Independent Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Guaranteed Issue Term Life Insurance (FSAIAAAG)

Keywords

• Independent insurance agency
• Personal insurance brokerage
• Commercial insurance coverage
• Multi-carrier insurance broker
• Texas insurance services

Headquarters

HQ city

Denton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an independent insurance agency, Ryan Everet Insurance earns revenue through commissions paid by insurance carriers for policies sold and serviced. They represent over 50 insurance companies and earn commission when clients purchase or renew policies through their agency.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Ryan Everet Insurance Agency is an independent insurance brokerage that places personal and commercial insurance policies with 50+ carrier partners on behalf of clients. Core offerings include personal lines (auto, homeowners, life, renters, flood, motorcycle, RV, boat, landlord/DP-1-3, umbrella) and commercial lines (business owner policy, commercial auto, general liability, workers comp, professional liability, cyber liability), sold via website quote forms, phone/email, and in-person consultations at the Denton, Texas office.

Product overview

Ryan Everet Insurance Agency is an independent insurance agency offering a comprehensive portfolio of insurance products. They represent over 50 insurance companies and provide personal insurance (Auto, Homeowners, Life, Motorcycle, Renters, Flood, and Umbrella), commercial insurance (Business Owner Policy, Commercial Auto, General Liability, Workers Compensation, Professional Liability, Cyber Liability), and specialty insurance (RV, Boat/Watercraft, Rental Property). The agency operates as a traditional insurance brokerage without a unified digital platform, offering products through licensed insurance advisors via quote forms, phone, and in-person consultations. Bundling discounts are available for home and auto combinations.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Personal auto insurance covering liability, collision, comprehensive, medical payments, and uninsured motorist coverage for individual drivers and households.
• Homeowners Insurance Coverage for homeowners protecting the dwelling, personal property, and personal liability. Ryan Everet recommends HO-3 or HO-B policies with open peril coverage on the dwelling.
• Life Insurance Term life insurance policies with coverage amounts from $150,000 to $5,000,000 and terms of 10, 20, 25, or 30 years for individuals and families.
• Motorcycle Insurance Insurance coverage for motorcycles, cruisers, sport bikes, enduro, dirt bikes, scooters, trikes, and custom motorcycles for individual riders.
• Renters Insurance Coverage for renters' personal property and personal liability in apartments, single family homes, townhomes, or manufactured homes.
• Flood Insurance Standalone flood insurance covering flood damage not included in a standard homeowners policy, sourced through the National Flood Insurance Program.
• Rental Property Insurance (Landlord Insurance) Landlord insurance / dwelling fire coverage in DP-1, DP-2, and DP-3 forms for duplexes, triplexes, condos, apartments, townhomes, and single family rental homes.
• Business Owner Policy (BOP) Combined general liability and business personal property coverage packaged for small to medium sized businesses.
• Commercial Auto Insurance Insurance for cars, trucks, and vans used in business operations, covering liability, collision, comprehensive, medical payments, and uninsured motorist exposure.
• General Liability Insurance Protection for small businesses against third-party bodily injury claims, associated medical costs, and property damage to others.
• RV Insurance Coverage for motorhomes, travel trailers, and RVs including liability, comprehensive, collision, vacation liability, and storage shed coverage.
• Boat and Personal Watercraft Insurance Coverage for boats, jet skis, and personal watercraft with options for agreed value or actual cash value.
• Workers Compensation Insurance Texas-mandated coverage providing benefits to employees who are injured or become ill due to their work.
• Professional Liability Insurance (E&O) Errors and omissions coverage protecting businesses from third-party claims of negligence or mistakes made by employees.
• Cyber Liability Insurance Coverage for losses from cyber attacks, data breaches, and other cyber threats, including data recovery and legal fees.
• Umbrella Insurance Additional liability protection layered over automobiles, home, boat, and recreational vehicles, starting at a $1 million policy limit.

Quantifiable outcome

• Customers can save $400-500/year by bundling home and auto with the same company
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• Travelers InsurancecoreOthersMajor national insurance carrier represented by Ryan Everet Insurance. Ranked #8 on Texas Department of Insurance Top 40 list. Provides home, auto, business, and specialty insurance products.
• Liberty MutualcoreOthersNational insurance carrier providing auto, home, and business insurance products through independent agents.
• Progressive InsurancecoreOthersMajor auto and specialty vehicle insurance carrier with competitive rates for motorcycles, autos, and RVs.
• Nationwide InsurancecoreOthersNational carrier offering home, auto, and specialty insurance products through independent agency distribution.
• Chubb InsurancecoreOthersPremium insurance carrier specializing in high-value homes, collectible automobiles, and complex coverage needs. Team member Linda Dodson has experience with Chubb from fortune 500 career.
• Homeowners of America Insurance (HOAIC)coreOthersTexas-based carrier offering competitive premiums for homes under 10 years old. Featured as #1 recommended carrier for new Texas home builds, with potential 15-40% savings vs older carriers. Part of Texas Department of Insurance Top 40 list.
• Foremost InsuranceminorOthersSpecialty carrier for mobile homes, RVs, motorcycles, and specialty vehicles.
• Safeco InsuranceminorOthersPart of Liberty Mutual, offering personal lines insurance products through independent agents.
• Hagerty InsuranceminorOthersSpecialty carrier for classic, collector, and exotic automobiles. Partners with Ryan Everet for high-value vehicle coverage.
• Germania Farm InsuranceminorOthersTexas-based farm and rural property insurance carrier.
• Dairyland InsuranceminorOthersSpecialty motorcycle and auto insurance carrier, part of Sentry Insurance group.
• American Modern InsuranceminorOthersSpecialty carrier for manufactured homes, RVs, motorcycles, and collector vehicles.
• Denton Chamber of CommercecoreStrategic or Co-development PartnerProud member of the Denton Chamber of Commerce, providing networking, community engagement, and local business credibility. Agency participates in Chamber events and young professionals programs.
• Denton Main Street AssociationminorStrategic or Co-development PartnerActive member of Denton Main Street Association, participating in community events and initiatives to support local businesses and downtown Denton.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SmartFinancial Insurance: Digital-first independent insurance agency comparing quotes from multiple carriers for auto, home, and commercial lines. Direct competitor for online-quote-driven customers in the same segments.
• TWFG Insurance: Texas-headquartered independent personal lines agency that represents multiple carriers and serves individuals and small businesses in the South-Central US. Closest direct peer in geography, customer base, and product mix.

Emerging players

• Policygenius: Digital insurance marketplace that shops multiple carriers online for life, home, and auto. Competes for the same 'shop the market' use case as Ryan Everet but via a fully self-serve digital experience.
• Lemonade: Direct-to-consumer insurtech offering renters, home, auto, and pet insurance. Represents the digital-native alternative that threatens the traditional agency model for younger consumers.
• The Zebra: Auto and home insurance comparison platform headquartered in Austin, TX. Competes with Ryan Everet for Texas consumer auto/home shopping intent, primarily online.

Regional players

• Bradley Insurance Agency: Regional Texas independent agency offering personal and small commercial lines, multi-carrier representation. Comparable in product scope and target market, focused on Texas geographies.

Broad incumbents

• State Farm: Largest US personal lines carrier with a dense Texas captive agent footprint. A primary alternative for the same auto/home/umbrella customer Ryan Everet targets.
• Goosehead Insurance: Large public independent insurance agency franchising model that also shops multiple carriers on behalf of clients. Directly comparable business model to Ryan Everet's independent brokerage, but at national scale with proprietary technology and corporate partnerships.
• Allstate (captive agent network): Captive carrier with a large Texas agent network competing for the same auto/home bundle. Represents the 'single-carrier' alternative that Ryan Everet's independence value proposition is differentiated against.

Others

• Independent Insurance Agents of Texas (IIAT): Trade association and ecosystem that Ryan Everet likely operates within; comparable independent agencies that are members represent the same pool of small-to-mid Texas agencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ryaneveretinsurance
• LinkedInlinkedin.com/company/ryan-everet-insurance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 Ryan Everet Insurance Agency