DFW Insurance Services

What DFW Insurance Services does

DFW Insurance Services is a family-owned independent insurance agency founded in 1995 and headquartered at 130 N Preston Rd, Prosper, Texas. The firm distributes personal and life insurance products on behalf of 14+ named carriers, including Progressive, Travelers, Hartford, Liberty Mutual, Chubb, AIG Private Client, Hagerty, Foremost, American Modern, and National Lloyds. Its offering encompasses 19 personal-insurance sub-products spanning auto, homeowners, motorcycle, ATV, boat/marine, collector car, RV, condo, flood, mobile home, rental property, renters, non-owner, umbrella, watercraft, valuable items, and SR-22 coverage, plus a life-insurance line covering individual term and permanent policies, final expense, and mortgage protection.

The business operates on a commission-based revenue model, earning carrier commissions on policies sold and serviced, with pricing handled through individualized quotes rather than published rates. Distribution is direct-to-consumer via in-person consultations at the Prosper office (Mon-Fri 9:00am-4:00pm), phone/text at (972) 781-1115, online quote forms, and an online Policy Service Center for billing, claims, ID cards, and policy changes. Marketing relies on a website, an educational blog, organic social (Facebook, Instagram, LinkedIn), and a Refer-a-Friend program.

The agency is operated by the Baker family — James Baker (Owner), Pam Baker (Agency Operations), and Adrienne Baker (Sales) — with 1-10 total employees. It serves individuals and families across Texas, with primary concentration in North Texas communities (Prosper, Celina, Frisco, McKinney, Plano, Denton, Allen, Dallas, Addison, Carrollton). The technology stack is a standard agency operations platform with no proprietary technology, no AI capabilities, no public API/SDK, and no mobile application. There is no evidence of external investment, parent-company affiliation, M&A, or funding activity.

Name

DFW Insurance Services

Legal name

DFW Insurance Services

Website

https://insurewithdfw.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

1–10 employees

Short description

DFW Insurance Services is a family-owned independent insurance agency founded in 1995 in Prosper, Texas, distributing personal, auto, home, and life insurance products from 14+ carriers to individuals and families throughout Texas, primarily in North Texas communities.

Ownership category

akta.pro rank

Headquarters

HQ city

Prosper

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 Commissions: As an independent insurance agency, DFW Insurance Services earns commissions from insurance carriers for policies sold and serviced. They represent multiple financially strong insurance companies and offer competitive pricing by working with various carriers.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

DFW Insurance Services is an independent insurance agency that brokers personal and life insurance products from multiple top-tier insurance carriers to individuals and families throughout Texas. The agency sells and services auto, homeowners, motorcycle, ATV, boat/marine, RV, collector car, condo, flood, high-net-worth, mobile/manufactured home, non-owner, personal umbrella, personal watercraft, rental property, renters, SR-22, and valuable items coverage under its personal insurance line, plus individual life, final expense, mortgage protection, and term life insurance. The agency earns commissions from carriers and supports customers with online quote requests, billing, payments, claims filing, and policy servicing.

Product overview

DFW Insurance Services is an independent insurance agency based in Prosper, Texas, offering personal and life insurance products. The company specializes in auto, home, and life insurance and works with multiple top carriers to provide customized coverage. Their Personal Insurance product line includes 19 sub-products covering vehicles (auto, motorcycle, ATV, boat, RV, collector cars), property (homeowners, condo, flood, rental property, renters, mobile home), and specialty coverage (umbrella, valuable items, SR-22). Their Life Insurance offerings include individual life (term and permanent), final expense, and mortgage protection insurance. They also provide an online Policy Service Center for customer self-service.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Personal insurance policies protecting individuals and families from financial losses due to accidents, theft, natural disasters, and liability claims; includes 19 sub-products covering vehicles (auto, motorcycle, ATV, boat/marine, collector car, motorhome/RV, personal watercraft, non-owner), property (homeowners, condominium, flood, rental property, renters, mobile/manufactured home), and specialty coverage (high net worth, personal umbrella, SR-22, valuable items). Sold to Texas consumers through direct agency consultation.
• Life Insurance Life insurance products including term and whole/permanent policies providing financial security for loved ones through death benefits; includes Individual Life Insurance, Final Expense Insurance, Mortgage Protection Insurance, and Term Life Insurance sub-products. Sold to Texas individuals and families through direct agency consultation.
• Auto Insurance Vehicle insurance covering liability, collision, comprehensive, uninsured motorist, and medical payments; offered to families and corporate fleets through carrier partnerships including Progressive.
• Homeowners Insurance Insurance protecting the home structure, personal possessions, liability, and additional living expenses if the home becomes uninhabitable. Provided through carrier partnerships including Homeowners of America Insurance.
• Motorcycle Insurance Coverage for motorcycles including collision, comprehensive, bodily injury, and uninsured/underinsured motorist protection.
• ATV Insurance Coverage for all-terrain vehicles including comprehensive, collision, bodily injury, liability, and uninsured motorist protection.
• Boat & Marine Insurance Watercraft insurance with options for Agreed Hull Value and Actual Cash Value coverage, plus liability and emergency services.
• Collector Car Insurance Specialized coverage for classic, vintage, or antique vehicles with agreed value and coverage for shows and exhibitions, sourced through the agency's Hagerty partnership.
• Condominium Insurance Coverage for condo interiors, personal property, and liability for injuries occurring within the unit.
• Flood Insurance Separate flood coverage protecting homes and property against flood damage, required in high-risk zones.
• High Net Worth Coverage Customized insurance for high-value assets including multiple homes, luxury vehicles, art, and liability protection, delivered through partnerships with Chubb and AIG Private Client.
• Mobile (Manufactured) Home Insurance Coverage for manufactured homes protecting against fire, storm damage, theft, vandalism, and liability.
• Motor Home / RV Insurance Coverage for motorhomes and RVs including medical payments, bodily injury, collision, comprehensive, and towing.
• Non-Owner Insurance Liability coverage for individuals who drive borrowed or rental vehicles but do not own a car.
• Personal Umbrella Insurance Additional liability coverage above and beyond auto, home, boat, and other insurance policies for protection against lawsuits.
• Personal Watercraft Insurance Coverage for personal watercraft (WaveRunners, Jet Skis, Sea-Doos) including liability, physical damage, and towing.
• Rental Property Insurance Landlord insurance protecting rental properties against storm, fire, vandalism, and providing liability coverage.
• Renters Insurance Coverage for renters protecting personal belongings, liability, and loss of use with personal property, liability, and additional living expense coverage.
• SR-22 Certificate of financial responsibility filing for drivers required by the state due to DUI, reckless driving, or lack of insurance.
• Valuable Items Insurance Scheduled property coverage for jewelry, art, collectibles, and other high-value items beyond standard policy limits.
• Individual Life Insurance Individual term and permanent life insurance policies for financial security, estate planning, and tax-deferred savings benefits.
• Term Life Insurance Affordable life insurance with select term, return of premium, or instant answer term options for specified periods.
• Final Expense Insurance Insurance covering end-of-life costs including funeral, memorial, burial, cremation, and associated medical bills.
• Mortgage Protection Insurance Insurance that pays a death benefit to cover mortgage balance if the breadwinner dies before the mortgage is paid off.

Named customers6 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered core and minor.

• Homeowners of America InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partnership providing homeowners insurance products to customers of DFW Insurance Services.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorPartner for collector car and classic vehicle insurance, serving enthusiasts with specialized coverage.
• Chubb GroupcoreChannel Partner/ Reseller/ DistributorPremium insurance carrier partnership for high-value property and casualty coverage.
• American Modern InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier providing specialized coverage options for customers.
• Foremost SignaturecoreChannel Partner/ Reseller/ DistributorCarrier partnership for specialty insurance products.
• ASI ProgressivecoreChannel Partner/ Reseller/ DistributorProgressive insurance products distributed through the agency.
• AIG Private ClientcoreChannel Partner/ Reseller/ DistributorHigh-net-worth insurance solutions for affluent clientele.
• The Travelers Indemnity CompanycoreChannel Partner/ Reseller/ DistributorMajor national carrier partnership providing comprehensive insurance coverage.
• The Hartford Insurance Group, Inc.coreChannel Partner/ Reseller/ DistributorNational carrier partnership offering various insurance products.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorAuto and property insurance products through Progressive.
• National Lloyds InsurancecoreChannel Partner/ Reseller/ DistributorTexas-based insurance carrier partnership.
• Liberty Mutual InsurancecoreChannel Partner/ Reseller/ DistributorNational insurance carrier providing comprehensive coverage options.
• Atlas GeneralminorChannel Partner/ Reseller/ DistributorInsurance carrier partnership for general insurance products.
• DUALminorChannel Partner/ Reseller/ DistributorInsurance underwriting partnership.
• LocalEdgeminorChannel Partner/ Reseller/ DistributorLocal insurance solutions provider.
• NatGen PremierminorChannel Partner/ Reseller/ DistributorNational General Premier partnership for insurance products.
• IIAT (Independent Insurance Agents of Texas)minorOthersProfessional association membership providing industry resources and support for independent insurance agents in Texas.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Allstate: Major national personal-lines carrier selling through captive agents — competes for the same household insurance buyers in North Texas but with a single-carrier model and significantly larger marketing budget.
• State Farm: Largest U.S. personal-lines insurer using a captive agent model that competes for the same auto/home/life customers as DFW Insurance Services, though via exclusive single-carrier representation rather than independent brokerage.
• Arthur J. Gallagher & Co. Large global insurance brokerage representing multiple carriers across personal and commercial lines — operates at vastly larger scale but shares the independent multi-carrier distribution model.

Direct peers

• TWFG Insurance: Texas-based independent personal-lines insurance agency that distributes through a network of producers across multiple carriers — directly comparable regional independent agency.
• Goosehead Insurance: Independent personal-lines insurance agency that compares quotes across multiple carriers, serving households with auto, home, and life coverage — same core model as DFW Insurance Services but operating at national scale via franchise and corporate producer channels.
• The Mahoney Group: Independent agency representing multiple carriers and offering personal lines including auto, home, and life — closely mirrors DFW Insurance Services' multi-carrier, family-style service model.
• Higginbotham: Texas-headquartered independent insurance brokerage founded in Fort Worth, representing multiple carriers and offering personal, commercial, and employee benefits — directly comparable geography and independent-agency model.

Emerging players

• Policygenius: Online insurance brokerage comparing life, auto, home, and disability quotes across carriers — competes for the same personal-lines customers via a digital-first experience that bypasses traditional local agencies.
• Lemonade: Digital-native insurtech selling renters, auto, home, and pet insurance directly to consumers — represents the direct-to-consumer threat that erodes the value proposition of local independent agencies like DFW Insurance Services.

Others

• Independent Insurance Agents of Texas (IIAT): Professional association of which DFW Insurance Services is a member — provides industry resources, carrier access, and advocacy for independent insurance agents in Texas; a peer ecosystem partner rather than a competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dfwinsurance
• LinkedInlinkedin.com/company/dfw-insurance-services
• Instagraminstagram.com/dfwinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 DFW Insurance Services