Pain 01
“My home insurance went up — and nothing about my house changed.”
Texas premiums have risen 40–60% in three years. Carriers re-rate loyal customers quietly at renewal. The families who review now keep the savings.
Strictly for Texas homeowners · Fort Worth · DFW · Houston · Austin · San Antonio
M
Start My CheckupMcLarry Insurance Group
An Allstate Agency · Fort Worth, TX
The Texas Coverage Checkup™
Are you paying too much for Texas home insurance — and not even know it?
A free, no-obligation 15-minute review with a local Allstate agent that shows you exactly where you're over-paying, under-protected, or both — before your next renewal locks you in for another 12 months.
Get My Free Coverage Checkup →No obligation · 15 minutes · Stay, adjust, or quote
Licensed local Texas agents Bilingual office A‑rated carrier
Reserve your slot
Start your free Texas Coverage Checkup™
Answer a few quick questions so the right local agent is ready when we call.
40–60%
TX premiums up over 3 years
$550
Total Checkup stack value · free
15 min
Length of the call · capped
4 agents
Local Fort Worth team · bilingual
Who this is for
Texas homeowners who suspect their policy isn't pulling its weight.
- You own your home in DFW, Houston, Austin, or San Antonio — value roughly $280K–$650K.
- You bought your policy at closing, or years ago, and haven't really looked at it since.
- You just got a renewal notice that went up — and nobody explained why.
- You added a teen driver, refinanced, or remodeled — and your coverage hasn't caught up.
- You want a real, named agent in your corner, not a 1-800 number at claim time.
Why this matters now
Texas insurance isn't the same product it was three years ago.
Comparison websites show you a price. They don't show you what happens when hail takes out your roof, your teen has an accident, or someone gets hurt on your property and the claim exceeds your liability limit.
Pain 02
“I have insurance, but I'm not sure it actually covers what matters.”
Most Texas policies are underinsured on dwelling rebuild cost, missing umbrella, or carrying auto liability far below the household's real asset exposure.
Pain 03
“My agent never calls me back — just a 1-800 number.”
National carriers don't review your policy as life changes. When a hailstorm or claim hits, you're alone with a call center in a different time zone.
What you get — free
Six analyses carriers normally charge for separately. In one 15-minute call.
Total stack value
$550FREE
01Value $150
Home Coverage Audit
Line-by-line review of dwelling, personal property, and liability limits against the real rebuild cost for your Texas ZIP.
02Value $75
Texas Rate Pressure Report
Plain-English explanation of why your premium changed — and where you sit vs. current market rates for your property profile.
03Value $100
Bundle Savings Analysis
An apples-to-apples comparison of what you pay separately vs. a combined Allstate home + auto bundle. If it doesn't save you money, we tell you.
04Value $100
Coverage Gap Risk Score
A simple 1-to-10 score that tells you how exposed you are to Texas-specific risk — hail, wind, liability — so you know if you need to act now.
05Value $125
Umbrella & Life Blind Spot Check
A 2-minute review of whether your setup leaves personal assets exposed above auto and home liability limits, or whether basic life coverage is missing.
06Value —
Local Agent Advantage Briefing
What a locally-based, bilingual Texas agent provides at claim time vs. a national call center. The relationship is the deliverable.
How it works
Three steps. Fifteen minutes. Zero pressure.
01
Reserve your slot
Tell us your name, email, phone, and ZIP. Takes under 90 seconds.
02
15-minute call with a Texas agent
We review your current policy together, find gaps and overpayments, and rank them by urgency.
03
Stay, adjust, or quote — your call
If your current carrier is the best deal, we tell you. If not, we'll quote you something better. No pressure either way.
Why Mark runs every Checkup
"I'm tired of watching Texas families build wealth for 20 years and lose it to a line of fine print."
Mark McLarry runs an independently owned Allstate agency out of Fort Worth, serving homeowners across DFW, Houston, Austin, and San Antonio. Mark and his four-agent bilingual team have written policies through hail seasons, freezes, and the carrier exits that have shaken the Texas market. They picked Allstate because Allstate stayed in Texas when others pulled out.
Every Checkup ends one of three ways: stay with who you have, make a small adjustment, or let us quote you. There's no pressure either way. We'd rather earn your trust than your premium.
4
Local Texas agents
Bilingual
English & Spanish
A‑rated
Allstate carrier only
What Texas homeowners say
Real reviews. Real Texans. Real numbers.
Mark caught a $180k gap in our dwelling coverage our old agent never mentioned. The call took 12 minutes.
Carla R.
Frisco, TX
Result
Coverage corrected
Bundled our home and two cars and saved $1,080 a year. He actually showed me the math.
Daniel & Sofia T.
Katy, TX
Result
$1,080 / yr
I was skeptical — figured it was a bait-and-switch. He told us to stay on our auto and only switch the home. Honest people.
James W.
Round Rock, TX
Result
Saved + stayed
Our triple guarantee
We've removed every reason to say no.
01
The 15-Minute Cap
If we can't find a real way to save you money or improve your coverage in 15 minutes, we end the call and you keep what you have.
02
The Honest Outcome Promise
At the end of the call we tell you one of three things: stay where you are, make a small adjustment, or let us quote you. No pressure either way.
03
The Stay Put Option
If your current carrier is genuinely the right call, we'll say so. About 1 in 5 Checkups ends with us telling the homeowner to stay.
Our 4-agent team holds a limited number of Checkup slots each week. Slots are filled in the order they're booked.
Common questions
What Texas homeowners ask before they book.
Is this really free? What's the catch?
Zero cost. Zero catch. We provide the Checkup free because informed homeowners make better long-term clients. If we can't help you, we tell you. That's the whole business model.
What if I don't want to switch carriers?
Don't switch. About 1 in 5 Checkups ends with us telling the homeowner to stay where they are. You get the analysis either way.
I don't have time for another sales call.
It's 15 minutes — capped. If we run over, you walk. And every month you wait in a renewal window is money you don't get back.
What if my current agent is a family friend?
Your friend wants what's best for your family. If we can't beat their offer, we'll tell you. If we can, you decide what to do with that information.
What if I need to talk to my spouse first?
Bring them. Most couples are shocked at what they've been overpaying. The Checkup is built for two people on the call.
Do you only write Allstate?
Yes. We're an independently owned Allstate agency in Fort Worth. We picked Allstate because it stayed and kept writing Texas policies when other carriers pulled out.
Last thing
Every renewal you skip locks in another 12 months of overpaying.
15 minutes with a local Texas agent. Either we find you real savings, or we tell you to stay exactly where you are.