Insurance Services - HN TAX & FINANCIAL

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Insurance Services

HN TAX & FINANCIAL is located in Houston but servicing all cities in Texas. We strive to provide a knowledge and understanding for our clients to better protect their assets. As an independent insurance agency, HN TAX & FINANCIAL Agency can help you find insurance solutions tailored to your individual needs and budget. We draw from a vast pool with over 50 insurance carriers of personal and commercial insurance policies. Contact us today, and experience for yourself the confidence and comfort that comes from working with a dedicated agency that treats your interests as their top priority. We can help you with most of your insurance needs. The lines of business we offer are:

PERSONAL

  • AUTO

  • HOME

  • LIFE

  • HEALTH

  • DENTAL

  • VISION

  • OBAMACARE

  • MEDICARE ADVANTAGE

  • AIRCRAFT/AVIATION

  • CONDOS

  • DWELLING

  • EARTHQUAKE

  • HOMEOWNERS

  • FLOOD

  • RENTERS

  • WATERCRAFT

  • PERSONAL LIABILITY

  • PERSONAL RECREATION

  • PERSONAL UMBRELLA / EXCESS


COMMERCIAL

  • COMMERICAL AUTO

  • CONTRACTORS

  • GENERAL LIABILITY

  • PROFESSIONAL

  • SPECIALTY LINES

  • WORKERS COMP

  • COMMERCIAL UMBRELLA

  • INLAND MARINE

Captive Agents vs Indepedent Agents

Exclusive agents in the insurance industry, or captive agents, are contracted to sell policies for a single insurance company; independent agents can sell the policies of many different companies. The captive agent has only one company to offer you which can be very limiting for many reasons. One reason in particular is that your captive agent may not have a product that is sufficient for your vehicle or property. In addition, when rates go up, there is not much your captive agent can do for you except make policy changes that may not be in your best interest to make. An independent agent represents several insurance companies that have appointed the agent to sell specific lines of insurance on a non-exclusive basis. When and if your premium rises, the independent agent can simply re-shop you through their portfolio of companies and can give you more value.

 
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