San Antonio · Serving Texas since 1989
Thirty years of getting Texans the right cover.
An independent agency that shops business, home and auto across multiple carriers, then explains the differences in plain language.
- A+ rated by the BBB
- Same business day response
- Local, independent, multi-carrier
30+
Years placing Texas coverage
3
Lines of cover, one agency
What one call gets you
- Side-by-side quotes from carriers that want your risk
- A coverage review that names the gaps, not just the premium
- One agency that stays with your file through renewal and claims
Independent, not captive
Multiple carriers per quote
Same day turnaround
Your details never sold
What we cover
Three lines of coverage, handled by one agency
Bundling across lines is where most Texas households and small businesses find real savings. We price each line on its own merits, then show you the combined view.
For owners
Business insurance
General liability, commercial property, workers’ compensation, commercial auto and umbrella cover for contractors, retail, professional services and light manufacturing.
For households
Home insurance
Homeowners, renters, condo and landlord policies written for Texas risk: hail and windstorm deductibles, foundation movement, and replacement cost that keeps pace with rebuild prices.
For drivers
Auto insurance
Personal auto, multi-vehicle households, young drivers and SR-22 filings. We check uninsured motorist limits carefully, because a quarter of Texas drivers carry no coverage at all.
Part of Deschenes Financial Services, a San Antonio agency covering health, life, dental and Medicare alongside this one.
Since 1989
Thirty years of Texas claims behind every recommendation
We have watched how hail seasons, foundation claims and uninsured drivers actually play out for Texas policyholders. That experience is what shapes the coverage we put in front of you, not a script from one carrier.
30+
Years in business, serving Texas since 1989
A+
Better Business Bureau rating, zero complaints
3
Lines of coverage, handled by one agency
Why us
A captive agency sells one company. We sell the market.
Multiple carriers, one application
You fill in your details once. We run them past the carriers whose appetite fits your risk, and bring back the ones worth considering.
We read the endorsements
Two policies at the same premium can differ by tens of thousands at claim time. We show you where the wording diverges before you sign.
Local to Texas risk
Hail, wind, flood outside the mapped floodplain, and coastal wind pools are the details that decide Texas claims. They are the details we check first.
The same person at renewal
Your file is not passed to whoever picks up the phone. When rates move at renewal, we re-shop it rather than letting the increase ride.
How it works
Three steps, no pressure
01
Tell us what needs covering
Two minutes on the quote form, or a phone call if the situation is complicated. Current declarations pages help, but are not required to start.
02
We shop it and compare
You get a short list rather than a stack of PDFs: what each carrier charges, where the coverage differs, and which one we would put our own family on.
03
Bind, and stay covered
We handle the paperwork and the cancellation of the old policy, then review the file before every renewal so the rate does not drift.
Why trust us
Credentials you can check yourself
Every claim on this page is a matter of public record. Look up the licence with the Texas Department of Insurance, or the rating with the BBB.
A+
Better Business Bureau rating
Accredited with zero complaints on file, under Deschenes Financial Services.
1989
Serving Texas since
More than three decades placing coverage for Texas families and businesses.
Licensed
Texas insurance agency
Mark Deschenes, General Agent. NPN 1068695, Texas licence 645828.
In their words
What clients say
Shopping for insurance used to feel complicated, but they made everything straightforward. They reviewed our home and auto coverage, explained our options clearly, and helped us find better value without sacrificing the protection we needed. Friendly, responsive, and easy to work with.
As a small business owner, I wanted someone who could look at more than just one policy. They took the time to understand our business insurance needs along with our personal auto and home coverage. It’s nice having one team I can call when I have questions.
The biggest difference was the personal attention. I never felt rushed or pressured into buying something I didn’t need. They walked me through the coverage and helped me understand where I could save and where it made sense to keep stronger protection. Highly recommended.
Questions
Answers before you hand over your details
Does a quote cost anything, or obligate me?
No. Quoting is free and there is no obligation to buy. We are paid a commission by the carrier only if you choose to place coverage with us.
Will you sell my information to other agencies?
Never. What you send goes to our agency management system and to the carriers we quote on your behalf. We do not sell or share leads with third-party marketers.
How quickly will I hear back?
Most requests submitted during business hours are answered the same day. Commercial policies with complex exposures can take two to three days, because underwriters review them individually.
Can I switch carriers in the middle of a policy term?
Usually yes. Most policies can be cancelled mid-term with a pro-rata refund of unused premium. We compare the refund against the new premium before recommending a move.
What do you need from me to start?
Names, addresses, dates of birth for drivers, and the year, make and model of any vehicles. For property, the year built and square footage. A current declarations page covers most of it in one document.
Find out what you should be paying
Send us the basics and we will come back the same business day with options from carriers that fit your situation.
Or call the office during business hours:
855-404-0017