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Houston Is Home

Insurance with McDade, every path from one calm starting point.

We understand Houston risk street by street because these are our streets too. Pick the path that matches your moment, and start with the whole picture.

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A Houston front porch at golden hour looking down a live oak street, a policy folder and keys on the porch table

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Insurance with McDade means one desk for the whole household and the business behind it. We are an independent Houston brokerage with 50+ top Texas carriers we know well. We translate the insurance contract before claim time. Houston is home, so its floods, hail, roofs, and renewals are not abstractions to us. Choose a path below and start with the whole picture.

Start where you actually are.

I want a human firstTalk to a BrokerA free phone or video conversation about your situation, no documents required. Read my policy firstCompare My CoverageUpload your current policy and we review it line by line, then call with clear answers.

About 40 percent of the time we tell homeowners to stay with their current carrier, and sometimes even with their current agent, because that is the right answer for the family.

Homeowners and families.

Houston Home InsuranceReplacement cost, roof settlement, wind and hail deductibles, and what changes at claim time. Houston Auto InsuranceLiability, UM and UIM, listed drivers, and multi-vehicle households across Greater Houston. Houston Umbrella InsuranceExtra liability for pools, teen drivers, rentals, and the assets behind them. Houston Flood InsuranceNFIP and private flood, zone lookups, and the thirty-day waiting reality. Texas Windstorm InsuranceTWIA wind and hail for eligible coastal properties, coordinated with home and flood. Houston Student Driver InsuranceLearner permits, first cars, college students, and household policy decisions. Houston Retiree Home InsurancePaid-off homes, deductible sizing, carrier strength, and renewal pressure. Houston Life InsuranceTerm and permanent options sized to the people counting on you.

Business owners.

Houston Business InsuranceProperty, liability, workers compensation, commercial auto, cyber, bonds, and more. The McDade Client AppCertificates, auto ID cards, change requests, and claim documents, self-serve.

Second opinions and renewal reviews.

Home Renewal ReviewSend the renewal and we audit what changed before you pay for another year. Auto Renewal ReviewA line-by-line read of liability, UM and UIM, deductibles, and drivers. Home Quote EvaluationCompare a homeowners quote by contract and coverage, never premium alone. Auto Quote EvaluationWeigh an auto quote on limits, physical damage, rental, and real tradeoffs. Compare CoverageThe second-opinion starting point when you already hold a policy or a quote.

Houston is home. I know its risks the way you know your own street, because they run down mine too.

Charles McDade, LUTCF

Servicio en español, de verdad.

Adolph Ojeda atiende a su familia en español, con calma y sin traducciones a medias. Envíe su póliza para una revisión completa o agende una llamada directa.

Revisión de CoberturaEnvíe sus documentos de manera segura y reciba respuestas claras en español. Hablar con AdolphUna llamada o videollamada en español, directa y sin compromiso.

Already choosing McDade?

New Client Starting PointEverything a new McDade household needs on day one, in one place.

What Houston families say.

 

Wherever you start, you will end the conversation knowing exactly what your contract does.

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The audit is free. The decision is yours. No broker fees for personal lines clients.