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Independent Texas Insurance Agency

Protecting Texas families with coverage they can trust.

Home, auto, commercial, contractors, and landlord insurance — 18+ carriers compared by one local team.

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18+ carriers Personal + commercial San Antonio local team
Texas family outside their home

Family owned. Community focused.

Canopy Insurance is an independent agency based in San Antonio. We aren't tied to a single carrier — we compare coverage across 18+ insurance companies to find the right fit for your family, your property, or your business.

Our local team handles everything from the first quote to every renewal. One point of contact. No call centers. No runaround.

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Coverage made simple

Plans that fit the way you live and work.

Beautiful Texas home

Home Insurance

Protect your dwelling, contents, and liability with coverage tailored to your property and Texas weather risks.

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Car on the road

Auto Insurance

Match liability, collision, and comprehensive coverage to your drivers, vehicles, and budget — not a one-size package.

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Modern office space

Commercial Insurance

General liability, property, fleet, and workers comp — structured for Texas businesses ready to grow.

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Contractor on job site

Contractors Insurance

Coverage for builders, trades, and field crews — general liability, builders risk, inland marine, and certificates when you need them.

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Rental property building

Landlord Insurance

Protect rental income, dwelling value, and liability exposure across single-family or multi-unit properties.

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How it works

A clear path to the right policy.

01

Tell us about you

Share the basics — your property, vehicles, business, or rental details — along with the coverage priorities that matter most.

02

Compare tailored options

Canopy shops 18+ carriers and presents the strongest fits — with clear tradeoffs between price, protection, and flexibility.

03

Choose with confidence

Review recommendations, ask the hard questions, and move forward knowing exactly what you're covered for — and what you're not.

Coverage built on relationships, not transactions.

Independent advice

We represent you, not one carrier. That means unbiased recommendations across the full market.

Texas roots

Based in San Antonio, licensed statewide. We understand Texas weather, Texas risks, and Texas families.

Lifelong support

Your dedicated account manager handles billing, changes, claims support, and every renewal — even on small accounts.

Clear, honest guidance

We explain what's covered, what's not, and what the tradeoffs are — before you sign anything.

What our clients say

Real reviews from real Texas families.

“

He’s been a true professional, highly responsive, and has done right by our family on multiple occasions.

Matt J.
San Antonio, TX
Google Review
“

They automatically shopped for me upon my policy renewal and found the best rate instead of calling around to multiple companies.

Stephanie F.
San Antonio, TX
Google Review
“

John was patient and really took the time to help us understand our options. Would highly recommend.

Chloe G.
San Antonio, TX
Google Review

Ready to protect what matters most?

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Common questions

Frequently asked

How much does Texas home insurance cost?
Texas homeowners pay $3,900-$4,500 per year on average, roughly 60% above the $2,424 national average. Your actual rate depends on ZIP code, roof age, dwelling coverage amount, deductible structure, and credit-based insurance score. Independent agents who shop 18+ carriers typically find 15-25% lower rates than captive options.
Do I need flood insurance in Texas?
If your property is in a FEMA-designated flood zone with a federally-backed mortgage, yes — it's required. But roughly 20% of flood claims come from properties OUTSIDE high-risk zones, so any Texas homeowner near a creek, floodplain, or low-lying area should consider it. Standard homeowners policies do not cover flood damage.
What does a homeowners policy actually cover?
A standard Texas homeowners policy covers your dwelling structure, other structures (detached garage, fence), personal property, liability for injuries on your property, and additional living expenses if you're displaced after a covered loss. It does NOT cover flood, earthquake, or normal wear and tear.
Is my foundation covered by homeowners insurance?
Almost never. Standard Texas homeowners policies exclude foundation damage caused by settling, soil movement, and ground shrinkage. Coverage only applies when a sudden covered event — like a burst pipe — causes foundation damage. Texas soil movement is one of the largest uninsured exposures for homeowners in the state.
What is a wind/hail deductible?
In Texas, your wind/hail deductible is usually a PERCENTAGE of your dwelling coverage (1%, 2%, or 5%), not a flat dollar amount like your all-perils deductible. On a $400,000 home, a 2% wind/hail deductible means you pay $8,000 out of pocket on a hail claim before insurance kicks in. Most homeowners don't realize this until they file a claim.

Our Latest Article

HVAC Contractor Insurance in Texas: Coverage Requirements, Costs, and Why Summer Is Your Highest-Risk Season

HVAC Contractor Insurance in Texas: Coverage Requirements, Costs, and Why Summer Is Your Highest-Risk Season

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Canopy Insurance Texas
3128 Napier Pk, Suite 107
San Antonio, TX 78231

210-436-6080

ejn@canopyig.com

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Canopy Insurance Texas is a licensed independent insurance agency — not an insurance carrier — serving all of Texas; all quotes are estimates subject to carrier underwriting, a quote does not bind coverage, and coverage terms are determined solely by the issuing carrier. © 2026 Canopy Insurance Texas, 3128 Napier Pk Suite 107, San Antonio TX 78231, 210-436-6080.

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210-436-6080
Canopy Texas, LLC · TDI License #3459049 · 3128 Napier Pk, Suite 107, San Antonio, TX 78231 · 210-436-6080
Get Your Free Quote 210-436-6080