Services
Top-Rated Insurance Services In Texas
Discover affordable and reliable insurance services for Medicare and business needs at Insurance Brokerage of Texas.
Insurance Services in Texas
Our insurance services are built to deliver unmatched flexibility, affordability, and personal attention. At Insurance Brokerage of Texas, we specialize in helping individuals, families, and businesses find the right coverage across the state. With years of experience in providing insurance services for everything from Medicare to business protection, we guide our clients through complex choices with clarity and care. Whether you’re preparing for retirement or seeking business coverage, our insurance services ensure you receive the best policy options at the most competitive rates available in Texas.
Medicare Insurance for Seniors
Understanding Medicare Eligibility and Timing
As you approach 65, navigating Medicare options can be overwhelming. We assist you with every step—from initial enrollment to plan selection. Our licensed brokers guide seniors through their Initial Enrollment Period (IEP) to avoid penalties and ensure maximum benefits.
Comparing Medicare Plans – Advantage vs. Supplement
Our experts provide side-by-side comparisons of Medicare Advantage Plans (Part C) and Medicare Supplement Plans (Medigap). We help you select the right plan based on your medical needs, prescription coverage, and preferred healthcare providers.
Prescription Drug Coverage (Part D) Made Easy
We identify the most cost-effective Part D plans that cover your medications and help you avoid the “donut hole” coverage gap. Annual reviews ensure you’re always on the most affordable plan.
Medicare.gov – for seniors looking to understand Medicare
Example: Learn more about official Medicare coverage options at Medicare.gov.
Supplemental Insurance for Businesses
Group Health Insurance Solutions
Offering group health insurance helps you retain top talent and reduce employee turnover. We help businesses of all sizes find cost-efficient group plans that match their workforce’s needs without overextending their budget.
Employee Benefits Packages
From dental and vision to life and disability coverage, we design complete employee benefit programs that improve satisfaction while complying with Texas labor laws.
Voluntary & Supplemental Plans
We provide flexible, employee-paid options such as accident, critical illness, and hospital indemnity coverage—ideal for businesses seeking low-cost ways to enhance their benefits package.
SBA.gov – helpful for small business insurance needs
Example: Discover what types of insurance your business may need on SBA.gov.
Personal Insurance Solutions for Individuals & Families
Auto Insurance
Get comprehensive auto insurance plans that protect you on and off the road. We compare multiple carriers to ensure you get the best rates with maximum coverage.
Homeowners and Renters Insurance
Whether you own or rent, our coverage options protect your property, belongings, and liability. Discounts available when bundled with auto insurance.
Life Insurance
Secure your family’s future with customized life insurance solutions—term, whole, and universal plans available with flexible premiums.
Healthcare.gov – for individuals and families exploring health insurance
Example: Find more about ACA-compliant plans at Healthcare.gov.
Commercial Insurance for Texas Businesses
General Liability Insurance
Essential for any business, general liability protects you from claims involving bodily injuries, property damage, and legal costs.
Professional Liability (E&O)
Especially important for consultants, real estate professionals, and advisors, this coverage protects against mistakes, missed deadlines, and negligence claims.
Commercial Property Insurance
Protect your physical assets—buildings, inventory, and equipment—from theft, fire, and natural disasters with tailored commercial property coverage..
Check insurance company ratings at the National Association of Insurance Commissioners.
Flood and Windstorm Insurance
Texas weather is unpredictable. Our flood and windstorm policies safeguard your home or business when standard insurance falls short.
Travel Insurance
Traveling for work or vacation? Get protection against trip cancellations, medical emergencies, and lost luggage.
Pet Insurance
Give your pets the care they deserve without unexpected costs. Affordable plans for veterinary visits, medications, and surgeries.
Why Work with an Independent Insurance Broker?
We Work for You – Not the Insurance Company
Unlike agents who represent a single provider, we work with dozens of top-rated insurance carriers to find the best deal for you.
Free, No-Obligation Quotes
Get real-time, accurate quotes from multiple insurers so you can compare and save—no pressure, no hidden fees.
Personalized Service from Licensed Experts
Our local, licensed agents take time to understand your unique needs. With offices throughout Texas, we’re never far away.
Get Started Today – Protect What Matters Most
Choosing the right insurance shouldn’t be a guessing game—it should be a well-informed decision backed by trusted expertise. At Insurance Brokerage of Texas, our professional insurance services are designed to simplify the process and deliver real value. We work closely with you to understand your unique needs, whether you’re seeking protection for your health, your home, your business, or your family’s financial future. From Medicare guidance for seniors to comprehensive business insurance strategies, our team ensures you get the right coverage at the best possible price. You deserve confidence in your policy—and peace of mind knowing you’re fully protected.
📞 Call us today or fill out our quick online form to schedule your free, no-obligation consultation with a licensed insurance broker in Texas.
Insurance Broker Service Areas
Areas We Serve Across Texas
- Houston
- Dallas
- Austin
- San Antonio
- Fort Worth
- El Paso
- Corpus Christi
- All surrounding communities and rural areas
Contact Us
📍 Insurance Brokerage of Texas
📞 Phone:
📧 Email: ve_joegarza@yahoo.com
🕒 Business Hours: Monday – Friday, 9 AM – 6 PM
✅ Frequently Asked Questions (FAQ)
A: An insurance broker acts as an independent advisor who helps you find the best insurance policies from multiple providers. At Insurance Brokerage of Texas, we work for you—not the insurance companies—so we can compare plans, rates, and coverage to fit your unique needs and budget.
A: Brokers offer access to a wide range of insurance companies and can help you compare prices and benefits. Unlike captive agents, we’re not tied to one company. We offer unbiased advice and personalized service to help you make the best choice.
A: You’re eligible to enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before you turn 65 and lasts for seven months total. If you’re 64 or about to turn 65, contact us to help you avoid penalties and get the best coverage for your healthcare needs.
A: We specialize in:
- Medicare Advantage (Part C)
- Medicare Supplement Plans (Medigap)
- Prescription Drug Plans (Part D)
- Final Expense and Life Insurance
We help seniors 64 and older make informed choices and avoid gaps in coverage.
A: Supplemental insurance covers additional benefits not included in standard group health plans. This may include:
- Accident coverage
- Critical illness
- Hospital indemnity plans
These policies help employees reduce out-of-pocket expenses and improve overall financial protection.
A: Absolutely. We design custom employee benefits packages that may include health, dental, vision, disability, and life insurance. We work with businesses of all sizes and provide low-cost voluntary benefit options to enhance your existing coverage.
A: No, our services are completely free to you. We’re compensated by the insurance providers—never by our clients—so you can receive expert guidance at no extra cost.
A: It’s easy! You can call us, send a message through our website, or visit our office. We’ll provide you with free, no-obligation quotes and guide you through every step of the process.
A: Yes, Insurance Brokerage of Texas is fully licensed and authorized to provide insurance broker services throughout the entire state. We proudly serve clients in Houston, Dallas, Austin, San Antonio, and rural communities alike.
A: Definitely. We offer free policy reviews to help identify gaps, find savings, and ensure you’re getting the best value. Whether it’s home, auto, life, or business insurance—we’ve got you covered.