Two minutes to upload your declarations page. One business day for a line-by-line audit. Two real options that match your home, your assets, and your standards.
Free coverage review. No broker fees for personal lines clients. One business day turnaround. No phone trees.
In plain English
A McDade coverage review is a free line-by-line audit of your current home or auto insurance policy. We compare your coverage against 50+ top Texas carriers we know well using our four-part framework of Clarity, Probability, Severity, and Value. About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. There are no broker fees for personal lines clients.
Every coverage review McDade runs uses the same four-part framework. We do not skip steps to get to a quote.
What does the policy actually say? Most renewal disputes start with clients who never knew what they signed. Clarity means reading the contract before claim time. We translate every endorsement, every sub-limit, every exclusion into plain English so you know exactly what your policy does at the moment something goes wrong.
How likely is the loss? Wind damage in Spring is more probable than wind damage in Kerrville. Foundation movement in Cypress is more probable than in The Woodlands. Probability shapes which coverage matters most for your home and your zip code. We map your real risks before we recommend coverage.
What does the worst version cost? A water damage claim with a $50,000 sublimit settles differently than the same claim with a $10,000 sublimit. A hurricane deductible at 2 percent of dwelling costs differently than 5 percent. Severity is the financial size of the worst case. We calculate it before you bind, not after.
Are you paying for what you have? Premium is the price. Coverage is what you receive. A cheap policy with a 5 percent hurricane deductible can cost more out of pocket in one storm than a policy that costs $400 more per year. Value is the relationship between what you pay and what the contract delivers.
Connect your carrier through Canopy or upload a PDF of your declarations page. Canopy uses bank-level 256-bit encryption and read-only access. We see your dec page and nothing else.
Our team reads your policy line by line using the Clarity, Probability, Severity, Value framework. We compare your contract against 50+ top Texas carriers we know well and document every change worth knowing.
We call you with a clear breakdown. If your current coverage is the best fit, we tell you that. If it is not, we walk you through two real alternatives. The decision rests with you.
"When you send us your policy, we read it. Line by line. We translate every limit, every deductible, every endorsement into plain English. We compare it against the Texas carriers we know well. Then we tell you what we would do if it were our family's policy. About forty percent of the time we tell the homeowner or driver to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. The other sixty percent is where the audit reveals something worth a different conversation. The audit is free either way. There are no broker fees for personal lines clients."
We translate the contract. You make the call. That is the work.
Upload your current declarations page through our secure Canopy portal, or book a time with our team. We read the contract, flag every change worth knowing, and call you back inside one business day with two real options.
Or call 281.378.5002The review is free. No broker fees for personal lines clients.
Real reviews from Texas Established Homeowners and drivers who let McDade read the policy before they signed.
The questions we hear most often from Texas families before they upload.
Our team reviews your current coverage line by line using our four-part framework: Clarity, Probability, Severity, and Value. We check what is covered, what is limited, what would break at claim time, and where you are exposed. We compare your policy against 50+ top Texas carriers we know well and identify whether your current coverage is the right fit or whether better options exist for your situation. About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. The other 60 percent is where the audit reveals a contract change, a coverage gap, or a market shift worth a different conversation.
Yes. The coverage review costs you nothing. There are no broker fees for personal lines clients. 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. McDade is an advisor first, not a re-shopper. The audit is free, the contract translation is free, and the decision rests with you either way.
Canopy uses read-only access. Your carrier login stays on your carrier's site, secured with bank-level 256-bit encryption. We see your declarations page and nothing else. Nothing is stored on our end. Canopy is the same secure intake technology major insurance carriers use for policy onboarding.
One business day. After you connect your carrier account through Canopy, our team reviews your policy and calls you with a clear line-by-line breakdown. We tell you what is covered, where the gaps are, and present two real options if better coverage exists for your situation. If your current coverage is the right fit, we tell you that and walk you through why.
About 40 percent of the time we tell clients to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family. McDade is not paid to switch you. We are paid to find the best fit. If your current coverage is the best fit, we tell you that and walk you through why. The review still gives you confidence that your current policy holds up. There are no broker fees for personal lines clients regardless of what you decide.
Yes. If you would rather upload a PDF of your declarations page directly, call us at 281.378.5002 and we will text or email you a secure upload link. The Canopy method is faster (about two minutes) but the manual upload works equally well.
You have a new home insurance quote in hand and want to make sure it holds up before you bind. Eight questions to ask first.
Audit a Home Quote →Your home insurance renewal arrived and you want to know what changed before you sign for another year. Seven quiet pitfalls.
Audit a Home Renewal →You have a new auto insurance quote and want it pressure-tested against Texas minimums, UM/UIM, and OEM parts before you bind.
Audit an Auto Quote →Your auto insurance renewal arrived and you want a line-by-line read of what changed before you sign. Six quiet renewal moves.
Audit an Auto Renewal →.jpg?width=2000&height=1125&name=AFTF_Winner_EmergingLeader%20(1).jpg)
Liberty Mutual and Safeco named Charles McDade their 2025 Emerging Leader Agent of the Future. The award recognizes independent agents who are building the next generation of insurance with technology, client service, and community impact at the center.
Superior Travelers Agent Recognition. Earned by the top-performing independent agencies in the country for growth, retention, and underwriting quality. McDade earned S.T.A.R status in 2025, which reflects how our clients stay year after year.
Free Texas coverage review. No broker fees for personal lines clients. The decision stays with you either way.
Compare My CoverageOr call 281.378.5002. One business day turnaround. No phone trees.
