Local Houston, Texas insurance coverage that fits your family & business needs, with a team that knows your name.
Home, flood, and hurricane insurance in Houston, Texas
Houston is Texas's largest city and the energy capital of the world, spread across the bayous from the Heights and Montrose to Kingwood and Clear Lake.
Flooding after Harvey
Hurricane Harvey (2017) flooded more than 100,000 Houston-area homes, many outside mapped flood zones, and storms like Beryl (2024) knocked out power for days. A standard home policy does not cover flood, so we quote NFIP and private flood insurance.
Wind, hail, and homeowners insurance
Most Houston policies carry a separate named-storm or wind and hail deductible. We shop homeowners coverage across carriers and explain what you'd pay out of pocket after a storm.
Energy, trucking, and autos
We insure contractors, trucking operations, and businesses tied to the energy and port economy, and write auto insurance for drivers on I-10, I-45, US-59, and the 610 Loop.
Your insurance team for Houston, Texas
We work with Houston households and business owners, and also serve nearby Pasadena, Pearland, Sugar Land, Katy, and Spring, along with communities across Texas.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Houston, Texas providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Houston, Texas.