Moon Insurance Managers, Inc. · TDI license #5595
Auto, Home & Personal Insurance
One independent agency on Houston's southeast side, writing Texas personal lines since 1985, comparing carriers across every personal line below. Pick the one you came for — each has its own page, its own carriers and its own answers. If you are not sure which you need, call and say what you own.
Insurance for how you drive
- Auto Insurance in Houston, TX Any record — tickets, an accident, a lapse Court or DPS asking for an SR-22? That has its own page.
- Motorcycle Insurance Liability, collision, and your gear
- Boat & Marine Insurance Bay boats, offshore, and the trailer
- Motor Home & RV Insurance Motor homes, travel trailers, fifth wheels
- ATV Insurance On the property or out on the trail
- Personal Watercraft Insurance Jet skis, on the water and under tow
- Collector Car Insurance Agreed value, not book value
Insurance for where you live
- Homeowners Insurance in Houston, TX Wind and hail deductibles, older roofs
- Flood Insurance The peril a homeowners policy excludes
- Renters Insurance Your things and your liability, not the building
- Windstorm Insurance East of Highway 146, where wind is its own policy
- Condominium Insurance Where the association’s policy stops
- Mobile & Manufactured Home Insurance Single and double wide, owned or rented out
- Rental Property Insurance The house you own and somebody else lives in
The Gulf Coast part
Which policy answers for which storm
This is the one thing about insuring a house here that differs from insuring one anywhere else, and it catches people every season: one weather event can involve three separate policies, and none of them pays for the others’ damage. Which one answers depends on how the water or the wind reached the building.
- Wind and hailUsually the home policy — until it is not
- A homeowners policy normally covers wind and hail, with a separate deductible for named storms. Closer to the coast, carriers often exclude the peril instead, and it is bought back as a windstorm policy. Which of the two you are dealing with is decided by where the house sits, not by what you ask for.
- Rising waterNever the home policy
- Flood is excluded from every homeowners and renters policy sold in Texas, and it is a separate purchase — flood insurance. Being outside a mapped flood zone is not the same as being outside the risk, which Harris County demonstrates roughly once a decade.
- The carComprehensive, not the house
- A flooded or hail-dented vehicle is claimed on the comprehensive half of the auto policy, whatever happened to the house it was parked beside. Liability-only cover does not include it.
- RentingYour things, not the structure
- The landlord’s policy covers the building and nothing of yours. Renters insurance covers the contents and your liability, and flood remains separate here too — contents-only, in a tenant’s own name.
Two names people meet here
Where TWIA and the NFIP come in
TWIA is the Texas Windstorm Insurance Association — the wind and hail market of last resort inside the state’s designated catastrophe area, for properties the ordinary market will not cover for that peril. It is not a discount program and it is not for everyone: it exists where private wind cover is not available, and eligibility turns on the property, its location, and in newer construction its certification. We are a registered TWIA agent, so that route is available from this desk.
The NFIP is the National Flood Insurance Program, and it is a program rather than a company — the policy is issued on the program’s terms, at its rates, whoever puts their name on it. Private flood carriers also write this risk and sometimes write it better. Both routes are ordinary and neither is automatic: flood has to be bought deliberately, and it does not take effect the afternoon you ask for it.
Neither name enters an auto, renters or umbrella conversation at all, which is worth saying plainly, because the two get treated as a general Texas coastal tax rather than as the two specific products they are.
Plain terms
What makes a Houston risk non-standard
“Non-standard” is a statement about which carriers can write the risk, not about the person. It usually comes from one of these, and most of them are temporary:
- A gap. Days without cover — between cars, after a policy cancelled for non-payment — narrows the field more than most people expect, and it fades with time back on cover.
- The driving record. Tickets, at-fault accidents, or a license matter that ends in a filing requirement. If a court or the DPS has told you to file, that has its own page — what the filing is and how it gets made.
- The roof. Age and material decide more home quotes here than square footage does, and a roof past its expected life can close a carrier before anything else is asked.
- Claim history on the house. Two claims in three years reads differently from one, and prior water damage reads differently again.
- What is on the property. A pool without a fence, certain dog breeds, a trampoline: all ordinary things that some carriers decline and others rate for.
None of these means uninsurable. It means the search is for a market with the right appetite rather than the shortest form, which is the part an independent desk is actually for. The auto and homeowners pages each take their own half of this apart properly — what a carrier asks, and what it does to the quote.
No obligation
Not sure which policy fits?
Most households here end up with two or three of these on one account, and the cheapest version is rarely the one bought line by line. Tell us what you own and we will say what is worth covering: (281) 484-8320, or send the quote request form.
Monday to Thursday, 9:00 to 5:00; Friday, 9:00 to 4:00. 360 FM 1959, Houston, TX77034. Policies written statewide — you do not have to be local.