Built around the life you've earned 

Direct carriers sell you what they have. If your situation does not match their underwriting, you are on your own. McDade has access to hundreds of carriers and specializes in 50 we know deeply. That means when your life changes, your coverage moves with you, not against you. Second home purchase. Prior claim. Teen driver. Home-based business. Those are the exact situations where a direct carrier's algorithm hits a wall and a broker starts earning their spot in your life. .

Fair question. Also the wrong one.

Apples to apples means matching your current coverage and beating the price. The problem is most homeowners have not read their 40-page policy, and neither has their last agent. You are asking to match something neither of us has actually looked at.

That is not apples to apples. That is blindfolds to blindfolds.

Insurance is a contract, not a product. Two policies with the same premium can pay out differently by tens of thousands after the same claim. The differences live in the contract language. Replacement cost. Water sublimits. Wind and hail deductibles. Ordinance and law. Mold.

None of that shows up on a quote summary. All of it shows up on claim day.

What we do instead is a real coverage review. Contract to contract. About 40% of the time our team tells homeowner to keep what they have. That is how you know you are talking to an advisor, not a salesman.

Upload your policy. We will show you the difference.

A coverage review is a line-by-line look at what your current policy actually covers, what it leaves out, and where the gaps are. We do not do this to sell you a new policy. We do it so you know where you stand. About 40% of our reviews end with us telling the homeowner their current policy is solid and to keep it. The other 60% end with us finding a gap that would have cost them thousands in a claim. Either way, you walk away with the truth about your insurance. That is worth 2 minutes of your time. 

Nothing. You pay your insurance premium to your carrier, same as you would if you bought direct. Carriers pay us a commission out of that premium. Our service costs you zero additional dollars. The difference is you get a human advocate who reviews your coverage, shops the market for you every renewal, and fights for you if a claim goes sideways.

Yes. We write policies all across Texas, with a focus on Harris County, Montgomery County, and the Greater Houston area. If you live in Spring, Cypress, Tomball, The Woodlands, Conroe, Katy, or anywhere else in the Greater Houston region, we are licensed to serve you.

You call us first. We have been through hundreds of claims with Texas homeowners and drivers, and we know where carriers cut corners. We help you file correctly, follow up on your behalf, and push back when an adjuster underpays. With a direct carrier, claim day is when you find out you are on your own. With McDade, claim day is when you find out why you hired us.