Three trust pillars no other Houston broker can stack.

Three things you can check. Locally, our founder, Charles McDade, LUTCF, is an Executive Board Member, Independent Insurance Agents of Houston, for the 2026 to 2027 term. Nationally, McDade is a member agency of Premier Group Insurance, established in 1999, with 550+ agents and access to 220+ carriers. At the desk, we read your policy line by line. We translate the insurance contract before claim time.

The contract and your household decide it. We run every policy through four questions. Clarity, what the contract says. Probability, how likely the exposure is to matter. Severity, how much the loss would hurt. Value, whether the coverage is worth the price. There is no pressure on this desk that has to be passed on to you or your family. 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. The audit is free. The decision is yours. No broker fees for personal lines clients. Here is how broker fees work in Texas.

No, and we will tell you early. We are built for Established Homeowners, families coordinating home, auto, umbrella, and flood, and businesses whose contracts or payroll raise the stakes. If the only goal is the lowest advertised price with no coverage review, a direct quote site will be faster. Carrier availability and underwriting vary by risk and location, so we say up front when a carrier is unlikely to look at your file.

No. McDade is an independent agency and a member of the Premier Group Insurance network. PGI, established in 1999, brings together 550+ agents with access to 220+ carriers, plus the training and technology most small agencies cannot build alone. For you, that means a wider bench of carriers when your life changes, with the same local team reading the contract. Local broker. National infrastructure.

Some directly, some through Premier Group Insurance, and we tell you which. We have access to 50+ top Texas carriers through direct and network relationships we know well. GEICO is one direct example. McDade has held a GEICO appointment since September 2024, appointed among the first handful of independent agencies in the country. Whichever path places your policy, your declarations page names the company that issues it, and we walk you through it before you sign.

You get notice, and we use every day of it. Texas law requires a nonrenewal notice at least 60 days before a home or auto policy ends (TDI rule, 2024). That date starts our clock. We read the notice, line up carriers whose appetite fits your home, and compare the contracts side by side. Then we bind the new policy to start the day the old one ends, and we tell your mortgage company. Your broker stays the same while the policy moves. What to do if your home insurance is not renewed.

Often, and we will show you where the limits are. Prior claims, roof age, and a second property all change which carriers will look at a file. We look across direct and network carriers and explain what each contract gives up before you choose. When a home falls outside what standard carriers will write, we walk you through the surplus lines trade-offs first. Carrier availability and underwriting vary by risk and location.

It keeps our desk close to the Houston market. The Independent Insurance Agents of Houston serves the city's independent agents through education, advocacy, networking, and community service. Charles McDade, LUTCF, is a 2025 Independent Insurance Agents of Houston Board Member, first African American in 101-year history, and in September 2026 he began his term as Executive Board Member, Independent Insurance Agents of Houston. The seat puts us in the room where Houston agents work through carrier changes, training, and advocacy, and what we learn there reaches your review.

A named team, each with a clear lane. Adolph Ojeda leads Spanish-language service at 832.400.5052 and takes our general broker consultations. LaShawn Nicholson handles service for existing clients, from policy changes to certificates. Dallas Downey, CLCS, leads commercial and workers compensation reviews. David Pfeifer, a licensed public adjuster listed for claims support, helps with claim guidance, while your carrier handles the claim itself. Charles McDade, LUTCF, founded the agency and leads personal lines. Meet everyone in the staff directory.