We shop and compare rates from up to 40+ insurance companies.

We search the market and collect quotes on your behalf from multiple top rated home carriers - making it easy for you to decide whether to renew, bundle or switch carriers.

We'll even cancel your current policy for you.

We handle your home insurance so you don't have to.

There are several different types of homeowners insurance policies, and which one you need will depend on your property and coverage needs. Spoudaios helps you through the entire process.

Spoudaios Insurance Agent and agency Texas ReviewsSpoudaios Insurance Agent and agency Texas Reviews
Spoudaios Insurance Texas ReviewsSpoudaios Insurance review Trustpilot in Texas
RamseyTrusted Home Insurance Pro in Texas

Work with a RamseyTrusted insurance Pro in your area.

No commission-driven decisions. No hidden fees. We explain coverages and provide recommendations based on your needs.

We do the legwork for you, so you don’t have to fill out a bunch of different online applications to get your own quote comparisons.


Pays for damage to the structure of your home, ie.. your roof or attached garage

Personal Property

Pays for damaged or stolen personal belongings, ie... if your furniture is damaged

Personal Liability

Work with an agency who will help you understand exactly what your premium dollars are being spent on.

Other Structures

Pays for damage to structures that aren’t attached to your home, ie...a shed, detached garage or fence

Medical Payments

Pays for medical bills if someone is injured on your property

Additional Living

Pays for hotels, meals, and transportation while your home is being repaired after a accident

How does homeowners insurance work

Customers have several options to manage individual risk, and homeowners insurance is a form of risk transfer. Customers enter into a contract by agreeing to pay a premium to transfer the financial impact of risk to another party. In exchange for the premium, the insurance company agrees to accept the financial risks that exceed the deductible, as outlined in the policy language.

The customer also agrees to responsibly maintain the home to avoid potential losses and protect the home from further damage if a loss occurs. If the customer does not maintain the home, the policy language provides the option not to renew the policy each year automatically

As a first-time homebuyer, what should I know about home insurance?

​​It’s your first big investment. You want to make sure it’s protected with the right coverage. And as a new homeowner, you want to know your rights when it comes to homeowner’s insurance. Here’s a good place to start: Texas Bill of Rights for Homeowner’​s Insurance.

I'm new to Texas. How can I be prepared for Texas weather?

​From tornadoes to floods to hurricanes to wildfires, just about every part of Texas is at risk for a natural disaster. But since weather conditions vary from corner to corner, be sure you know the weather perils specific to your ZIP code and tips for handling those situations. You can also stay in tune with local forecasts to keep up with weather changes, severe weather warnings, air quality, and more.

Most local stations announce weather warnings — like heat advisories —​ and give tips for avoiding dangerous situations. It’s a good idea to invest in a weather radio and flashlights to see you through any power outages or severe weather.

Is there specific insurance for where I rent in Texas?

​You may have insurance policies specific to your part of Texas if your area has a higher exposure to risks such as hurricanes or flooding.

What affects the price of my home insurance?

​​There are many items that can affect your premium. Some key considerations are:

1. Quality or type of materials, such as​ brick versus wood construction or marble versus laminate countertops

2. Community fire protection​

3. Exposure to weather

Customer service is our competitive advantage.

Insurance can be confusing. All of the jargon, terms, and coverages. Work with a local agency who will help you understand exactly what your premium dollars are being spent on.

If you're looking for a better insurance experience you'll love working with us.