Second Opinion · Houston, TX
A SECOND LOOK AT THE COVERAGE YOU ALREADY HAVE.
Renewal notice in hand and not sure it still fits? Share your current home or auto policy, and I'll walk you through what you have, what's missing and what I'd ask about. The review is free, in English or Spanish.
Prefer not to log in? Email your declarations page to [email protected] or book a call.
POLICY REVIEW
WHAT I LOOK AT IN YOUR POLICY
The details that decide how a claim goes, explained in plain words.
Dwelling Amount
Whether your home coverage reflects what it would cost to rebuild the home today, with any upgrades.
Deductibles
How your deductibles are set, including wind and hail, so you know what you would pay after a claim.
Liability Limits
Whether your liability limits fit everything you own, on home and auto policies, before you need it.
Coverage Gaps
What your policy leaves out, like flood, so you can decide what to add or leave just as it is today.
Discounts
Discounts you may be missing, like bundling, home safety features or a clean driving record on file.
Renewal Charges
What changed at your last renewal, from your premium to the coverage, and whether it still fits you.
Who It's For
Homeowners with a renewal coming up
Drivers whose premium changed at renewal
New Houston residents with an out-of-state policy
Anyone who isn't sure what their policy covers
Good To Know
The Texas Department of Insurance encourages Texans to review their coverage and shop around to compare coverage and prices.
Source: Texas Department of Insurance; Canopy Connect.
How It Works
Step 1
Share Your Policy First
Connect your insurer or send me your policy, and I will go through what you have before we talk.
Step 2
I Shop Several Carriers
I shop several carriers for you and walk you through what each quote covers, not just the price.
Step 3
You Choose, I Handle It
Pick the option that fits. I handle the paperwork, then review your coverage with you each year.
Frequently Asked Questions
COMMON QUESTIONS
What is an insurance second opinion?
I read your current policy with you and explain what it covers, what it leaves out and what I would ask about. If what you have fits, I'll tell you that too.
Is the review free?
The review is free. If there is a fee on a placement, you will know the number before you decide anything.
What is Canopy Connect?
It's a secure tool that lets you share your policy details by connecting to your insurance company, so you don't have to dig up paperwork. You choose what to share. Source: Canopy Connect
What if I don't want to log in to my insurance company?
That's fine. Email me your declarations page, or book a 30-minute call and we can go through it together.
Which policies can you review?
Home, auto, flood, landlord and business policies. Start with the one that renews next.
OFTEN PAIRED WITH
Life insurance is one piece. These are the coverages families often add alongside it.
Home Insurance
Coverage built around what it costs to rebuild.
Auto Insurance
Liability, full coverage and work vehicles too.
Flood Insurance
Rising water, which home policies do not cover.
TALK TO KEVIN
Questions About Your Current Policy?
Let's find 30 minutes to look at what you have and what you actually need. No pressure, in English or Spanish.
HOURS
Mon to Fri 9am to 6pm
Helping Houston families and business owners protect what matters most, with real guidance, not just rates.
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Caballaro Agency provides insurance products and services. Insurance products are not securities and are not offered through World Equity Group, Inc. For information regarding securities and investment advisory services, please contact Kevin Caballaro directly. Securities and investment advisory services offered through World Equity Group, Inc. Member FINRA and SIPC, a Registered Investment Adviser. Exponent Prosperity Accelerator Advisors, LLC & SMART Group Houston is not owned or controlled by World Equity Group, Inc.
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