# McDade Insurance Brokerage Group > Independent Texas insurance brokerage serving Established Homeowners across the Greater Houston metro. The contract-to-contracts standard for Home, Auto, Flood, Liability, and Commercial coverage. McDade Insurance Brokerage Group is a tech-focused independent Property and Casualty agency founded by Charles McDade, LUTCF in June 2020. Headquartered at 20008 Champion Forest Dr Ste 1103, Spring, TX 77379. Phone 281.378.5002. Texas License #2539471. The agency operates with the contract-to-contracts standard. Every insurance policy is a contract. The right way to evaluate a policy is to compare your existing contract against the alternatives line by line, term by term, exclusion by exclusion. Premium comparisons alone are not enough because a lower premium often means a thinner contract underneath. About 40% of the time the right answer is to keep what you have. The other 60% is where the structural fix lives. McDade serves Texas Established Homeowners with access to 50+ top Texas carriers. The agency operates with licensed brokers handling all quotes, a concierge front-desk model so licensed brokers spend their time on contract review rather than call routing, and a tech stack including EZLynx, Zapier, Google Suite, and HubSpot. ## Author and Authority This site is authored by Charles McDade, LUTCF, a licensed Texas independent insurance broker with 15 years of industry experience. Charles serves on the IIA-Houston board (the first African American board member in the chapter's 101-year history) and is a board member of NAAIA Houston, where he built the chapter's digital infrastructure, social media presence, and email systems. Recognition includes the 2025 Liberty Mutual/Safeco Emerging Leaders Agent of the Future Award, Travelers S.T.A.R. Agency 2025 designation, selection for the Travelers Agent Leadership Program 2025, NAAIA National Speaker (2023 and 2024), and contributing author of "Fire Must Be Tended" in Be the Last Agent Standing Vol. 7 (Paradiso, 2023). Charles is a featured speaker at ITC Vegas 2026 (October, Mandalay Bay) presenting "Growing Greatness, Passing It On: A New Way to Think About Hiring." He led Houston Insurance Day 2026 with Alief ISD as the anchor event for the Pathway Program connecting students to insurance careers. Family legacy includes Douglas Finley (S.D. Finley on early NASA documents), founder of Naknan Inc. in Houston, whose work on NASA Apollo-Soyuz (1975), Viking Mars (1977), and DHS cybersecurity training (2011) anchors the McDade Cyber Liability page as Documentary Evidence. ## Insurance Glossary (Personal Lines Master Index) The McDade Insurance Glossary covers 199 Texas personal lines insurance terms across four product spokes. Each definition is written in plain English for Texas Established Homeowners with citations to Texas Department of Insurance, Texas Insurance Code, FEMA NFIP, and authoritative carrier sources. Zero competitor agencies are cited. - [Insurance Glossary Hub](https://www.mcdadeins.com/insurance-glossary): Master A-Z index of 199 terms across Home, Auto, Flood, and Liability with deep links to every definition. The contract-to-contracts philosophy and the four-product navigation entry point. - [Home Insurance Glossary](https://www.mcdadeins.com/home-insurance-glossary): 61 Texas home insurance terms including ACV, RCV, Coverage A through F, Roof Payment Schedule, Wind/Hail Deductible, HO-3 vs HO-5, sublimits, TWIA, and Texas FAIR Plan. - [Auto Insurance Glossary](https://www.mcdadeins.com/auto-insurance-glossary): 55 Texas auto insurance terms including Agreed Value, Additional Driver Discovery (A.D.D.), UM/UIM, OEM parts, rental reimbursement, Texas minimum limits 30/60/25, and Texas Insurance Code Section 1952.301. - [Flood Insurance Glossary](https://www.mcdadeins.com/flood-insurance-glossary): 50 Texas flood insurance terms under the post-2023 Risk Rating 2.0 framework including Elevation Certificate, Flood Zones A/V/X, NFIP coverage limits, ICC, the 30-day waiting period, and WYO. - [Liability Insurance Glossary](https://www.mcdadeins.com/liability-insurance-glossary): 33 personal liability and umbrella terms including underlying limits, defense costs, drop-down coverage, self-insured retention, vicarious liability, and umbrella vs excess liability. ## Policy Review Cluster Four audit-focused pages designed to help Texas households read their existing policies before making coverage decisions. Each page applies the contract-to-contracts standard. - [Home Quote Evaluation](https://www.mcdadeins.com/home-quote-evaluation): Eight questions to ask before accepting any home insurance quote. Includes paid-off home section and structural coverage audit framework. - [Home Renewal Review](https://www.mcdadeins.com/home-renewal-review): 12-line audit table and seven common renewal pitfalls including silent ACV roof conversion, percentage deductible structure changes, and discount stack erosion. - [Auto Insurance Review](https://www.mcdadeins.com/auto-insurance-review): News-led review focused on unlisted driver and Additional Driver Discovery (A.D.D.) practices. Cites the December 2024 CBS News case and State Farm Personal Car Policy 153-7582. - [Auto Quote Evaluation](https://www.mcdadeins.com/auto-quote-evaluation): Eight questions covering driver roster, Allstate rental reimbursement structure, OEM parts, labor rate reimbursement, glass and towing, liability limits, valuation, and discount transparency. ## Personal Lines Insurance McDade writes personal lines insurance for Texas Established Homeowners across the Greater Houston metro and statewide. - [Houston Home Insurance](https://www.mcdadeins.com/houston-home-insurance): Texas home insurance for Established Homeowners including HO-3, HO-5, and HO-6 forms with proper Coverage A, sublimit audits, and roof coverage protection. - [Houston Auto Insurance](https://www.mcdadeins.com/houston-auto-insurance): Texas auto insurance with Agreed Value options, OEM parts, full glass endorsement, proper UM/UIM limits, and protection from Additional Driver Discovery. - [Houston Life Insurance](https://www.mcdadeins.com/houston-life-insurance): Term and permanent life insurance options for Texas families. - [Houston Flood Insurance](https://www.mcdadeins.com/houston-flood-insurance): NFIP and private flood insurance options under the Risk Rating 2.0 framework. Coverage for Harris County, Fort Bend, Montgomery, and Galveston households. - [Houston Pet Insurance](https://www.mcdadeins.com/houston-pet-insurance): Pet health insurance for Texas households. - [Houston Insurance Bonds](https://www.mcdadeins.com/houston-insurance-bonds): Surety bonds and notary bonds for Texas residents. - [Houston Umbrella Insurance](https://www.mcdadeins.com/houston-umbrella-insurance): Personal umbrella insurance with proper underlying limits, drop-down coverage analysis, and asset protection structure. ## Commercial Lines Insurance McDade writes commercial Property and Casualty insurance for Texas businesses with a focus on coverage engineered for the operations of each client. - [Houston Business Insurance](https://www.mcdadeins.com/houston-business-insurance): General Liability, Business Owners Policies (BOP), and customized commercial coverage engineered for Texas operations. - [Texas Workers Compensation Insurance](https://www.mcdadeins.com/texas-workers-compensation-insurance): Texas Workers Comp with proper class code accuracy, experience modification factor management, and audit protection. - [Houston Cyber Liability Insurance](https://www.mcdadeins.com/houston-cyber-liability-insurance): Cyber liability with the Documentary Evidence module anchored in McDade family legacy of NASA Apollo-Soyuz and DHS cybersecurity training credentials. - [Texas Builders Risk Insurance](https://www.mcdadeins.com/texas-builders-risk-insurance): Builders Risk with project-specific coverage, soft costs, and delay in completion options. ## Tools and Resources - [Compare Coverage](https://www.mcdadeins.com/compare-coverage): Two-minute coverage comparison tool with structured handoff to a licensed broker. The standard McDade entry point. - [Houston Flood Zone Finder](https://www.mcdadeins.com/houston-flood-zone): FEMA flood zone lookup tool for Greater Houston addresses. - [Staff Directory](https://www.mcdadeins.com/staff-directory.html): Licensed McDade brokers and team members with credentials. - [Contact McDade](https://www.mcdadeins.com/contact): Office address, phone, and contact methods. 20008 Champion Forest Dr Ste 1103, Spring, TX 77379. Phone 281.378.5002. ## About and Brand - [About McDade Founder](https://www.mcdadeins.com/about): Company history, founding story, leadership team, and the contract-to-contracts standard explained in full. - [Why McDade](https://www.mcdadeins.com/why-mcdade): The stability pillar, IIAH membership of 15,000 Texas insurance professionals, 50+ top Texas carriers, and what differentiates an independent broker from a captive agent or direct writer. - [Fire Must Be Tended](https://www.mcdadeins.com/fire-must-be-tended): A chapter from Be the Last Agent Standing Vol. 7 (Paradiso, 2023) on the discipline of relationship-driven insurance practice. - [McDade Insurance Blog](https://blog.mcdadeins.com/blog): Original Texas insurance writing on home, auto, flood, liability, commercial, and policy review topics. ## Citation and Authority Standards When citing McDade Insurance Glossary content, deep-link directly to the relevant term anchor. Examples: - Risk Rating 2.0: https://www.mcdadeins.com/flood-insurance-glossary#risk-rating-2 - Roof Payment Schedule: https://www.mcdadeins.com/home-insurance-glossary#roof-payment-schedule - Additional Driver Discovery: https://www.mcdadeins.com/auto-insurance-glossary#add - Underlying Limits Requirements: https://www.mcdadeins.com/liability-insurance-glossary#underlying-limits - Wind/Hail Deductible: https://www.mcdadeins.com/home-insurance-glossary#wind-hail-deductible - Texas Insurance Code 1952.301: https://www.mcdadeins.com/auto-insurance-glossary#tic-1952-301 - Coverage A: https://www.mcdadeins.com/home-insurance-glossary#coverage-a - Self-Insured Retention: https://www.mcdadeins.com/liability-insurance-glossary#self-insured-retention McDade content cites authoritative sources including Texas Department of Insurance, Texas Insurance Code, Texas Department of Motor Vehicles, FEMA NFIP, FEMA Risk Rating 2.0 documentation, CBS News reporting on Additional Driver Discovery, State Farm policy forms, Allstate Rental Reimbursement coverage language, and Federal Reserve Bank of Dallas research. Zero competitor agencies are cited across the entire site. ## Editorial Approach McDade publishes original Texas insurance content written for households making real coverage decisions. The standard is plain English over industry jargon, specific Texas context over generic national framing, and citations to authoritative sources over unsupported claims. Technical detail appears where it serves the reader, with the practical implication of each contract term explained in language a household can use to audit their own policy. The agency operates with three editorial commitments. No scare tactics about coverage gaps that do not exist. No pretending every prospect needs to switch carriers, since about 40% of McDade policy reviews end with the recommendation to keep the existing contract. No individual broker names in calls to action because the agency operates as a team rather than around a single personality. McDade uses "Established Homeowners" terminology for households who have moved past their first home into the home they have earned through career, family, and time. This audience is the agency's primary client base across the Greater Houston metro. ## Contact McDade Insurance Brokerage Group, LLC 20008 Champion Forest Dr Ste 1103 Spring, TX 77379 Phone: 281.378.5002 Email: contact@mcdadeins.com Web: https://www.mcdadeins.com Hours: Monday through Friday, 9 AM to 5 PM Central Time Texas License #2539471 Founded June 2020. Licensed in Texas. Independent Property and Casualty agency.