Homeowners Insurance

Homeowners Insurance Protects You From Mayhem

Homeowners Insurance protects a homeowner from whatever mayhem may rear its ugly head on his property. Be it the ravages of a house fire or the destruction of a tornado, the homeowner is covered. It also covers the contents in the home and protects the homeowner from the legal mayhem of liability.

Homeowners Insurance is for the owners of single-family homes. Other types of homes have different coverage. For example, condos have condo insurance, while RV’s have Recreational Vehicle insurance. A licensed insurance agent can assist you in selecting the right type of policy for your home.

Home + Vehicles

Life + Income

Business

Toys

How does Home Owners Insurance protect you from the chaos of mayhem?

By charging a premium for protection up to a certain dollar amount. The amount of protection a policyholder receives is based on the value of the home and its contents, as well as any liability factors. The higher these values, the higher the premium cost.

There are several types of coverage included in a home insurance policy. These include damage to your house from such mayhem as fire, flooding, tornadoes, and other catastrophes. These policies also cover other structures from mayhem, such as sheds, detached garages, and fences.

Personal property is also covered, including all the contents in your home, should they be destroyed.

It also covers living expenses if your home is damaged or destroyed and cannot be lived in. Home insurance also covers you from liability, such as the mayhem of a nosy neighbor suing you after he tripped on your rake while snooping around behind your garage. Medical expenses are also covered, so your nosy neighbor can have a comfortable hospital stay.

Home insurance offers the major benefit of protecting you and your family from damage and destruction to your property.

It takes away the burden of additional expenses like added living costs, and medical bills that result from mayhem. It also protects you from liability. But most importantly, it gives you peace of mind. So you can sleep at night, secure that if fire ravages your home, a tornado blows it down, or a nosy neighbor trips on your rake just an inch over your property line, you will be covered.

BIG Revelations from

other customers

Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
Tom Selleck
Tom Selleck
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
Ben Harris
Ben Harris
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
Debra Fischer
Debra Fischer
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Sherma T
Sherma T
Always great service with a smile.
donald taylor
donald taylor
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
Michelle Smith
Michelle Smith
saved me a lot of money and great service
nancy ferverda
nancy ferverda
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Amber Stavinoha
Amber Stavinoha
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Gladys Dekenipp
Gladys Dekenipp
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Karen Duston
Karen Duston
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
mike clawson
mike clawson
ALWAY BEEN THERE FOR US.
TERYXNRA
TERYXNRA
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
Anna Ernst
Anna Ernst
Got us the coverage we needed.
David Boren
David Boren
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
Bobby Guy
Bobby Guy
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Frances Huff
Frances Huff
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
patti369
patti369
Mike is a super guy who has been taking care of businesses in the Alvin area for years. I can assure you him and his team will always be there for your insurance needs.
Scott Talley
Scott Talley
Hometown business. Friendly staff
Patrick Butler
Patrick Butler
Friendly staff
Mitchell Craven
Mitchell Craven
Fantastic Service, Fantastic Staff! Thank you Independent Insurance Counselors for taking such great care of The Memory Quilt Company!
Tiffany Verot
Tiffany Verot
Great Customer Service!! Highly recommend Mike and his staff. Amber found me a better policy for less money. Win Win!!
Dana Akins
Dana Akins
I have my insurance , with independent insurance agency for many years, greatservices , friendly atmosphere, I recommend!
Mary Baker
Mary Baker
Mike and his staff are very welcoming and knowledgeable of the insurance business. We have worked with Bette for many years, personal and business insurance, and she always keeps up with our policies and makes sure our coverage is renewed on time and always send quotes for better pricing each new year. They have a great team and I highly recommend Independent Insurance Counselors.
Lisa E
Lisa E
If I could give 10 stars I would. These are the best people I have ever done business with. They have been taking care of my insurance needs for about 20 years and after Harvy they cane through 110 percent.
James Bailey
James Bailey
I moved from Houston, TX to Alvin, TX. I bought a new modular home and had it set within the city limit. The insurance agent, whom I used for several years before, didn't know what to do to get insurance for a modular home. I contacted Insurance Counselors for help. They knew what to do right from the beginning. In the end I got home owner insurance and flood insurance through Independent Counselors. Since then, I have visited the office on several occasions for other help. Always, everyone has been helpful and courteous. Highly recommended; a 5-Star service.
Prasert Sananikone
Prasert Sananikone
Good job ! Good people ! Good man !
Alvin Pool
Alvin Pool
I highly recommend this business to anyone looking for a committed staff that will work to find you the coverage you need at a price that satisfies your budget. The staff is friendly, efficient, and professional. You can rest assured that you'll leave there knowing your coverage is sufficient and the staff is always ready to answer any questions that you may have at a later date. Go talk to them.
Jimmy Ray
Jimmy Ray
Highly recommend Independent Insurance Counselors. They always go above and beyond to get us the best deal on insurance. Always friendly and always there when you have a question or a problem.
Arin Perry
Arin Perry
Mike and his Team are great. They will find you the best deal on insurance and make sure you have the best plan in place in case you ever need it. The staff is friendly and Mike always has an open door policy for you to come in and ask questions! They will be my Agent for life!
Kevin Duke
Kevin Duke
Mariana was so helpful to lead us through the confusion of finding the best insurance for us to protect our home. Not only did she find us the best benefits, but she also led us to the best rates available for us. She cheerfully answered our many questions and explained what we didn't understand. We are so grateful we walked into the office that day and will certainly return when the need arises. Thank you, Mariana and Independent Insurance Counselors for your excellent service.
A Google User
A Google User
Knowledgeable. And very easy to work with. No complaints from me.
Robert Fleming
Robert Fleming

(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511