Frequently asked insurance questions.

A captive agent (Geico, State Farm, Allstate, Progressive direct) sells one company's insurance — that's the only carrier they can quote. An independent agent represents multiple carriers and shops your situation across all of them. WKI represents thirty-plus carriers and re-shops your policy at every renewal, so your loyalty isn't punished when rates change.

It matters at renewal. A captive agent can't help when their carrier raises your rate — they can only sell you what they have. An independent agent can re-quote your situation across the market and switch you to the carrier with the best fit. Over a decade, that compounds into real savings.

No. We size policies to what you actually need and recommend the lowest-premium option that covers the gap. If a $250,000 term life policy is the right answer, we don't pitch you $1M of whole life. That's how we've kept customers across two generations.

No. You pay the same premium whether you go direct, through a captive, or through an independent agent. The carrier pays the agent commission out of the same premium dollar — your cost is identical. The difference is whether you have someone shopping the market on your behalf.

Texas requires minimum liability of 30/60/25 — $30,000 per person for bodily injury, $60,000 per accident, $25,000 for property damage. That's the legal floor. Most drivers should carry significantly more, especially with rising medical and repair costs. We can walk through what makes sense for your household and budget.

For most Texas drivers, yes. Around 10% of Texas drivers carry no insurance, and many more carry only state minimums. Uninsured/underinsured motorist coverage is inexpensive and pays for your medical bills and damages when the at-fault driver can't.

Yes — that's the whole point of an independent agency. We quote your situation across thirty-plus carriers and recommend the best fit on price and coverage. Same risk, side-by-side comparison, every renewal.

Make sure everyone is safe, document the scene with photos, exchange information with the other driver, and call your carrier's 24-hour claim line. The carrier will dispatch an adjuster and authorize towing or rental. Call WKI the next business day so we can shadow the claim and make sure nothing falls through.

Home insurance in Seguin and Guadalupe County typically runs $1,500–$3,500 per year for a standard single-family home, depending on rebuild cost, deductible, claim history, and roof age. Hail-prone zip codes and homes with older roofs price higher. We can quote your specific situation across thirty-plus carriers.

Standard Texas homeowners policies do cover hail damage to the dwelling and other structures, subject to your wind/hail deductible. The two things to check: whether the policy pays replacement cost or actual cash value (depreciated), and whether your wind/hail deductible is a flat dollar amount or a percentage of dwelling value (typically 1–5%).

If you're in or near a FEMA flood zone, on the Guadalupe River, or downhill from a long stretch of pavement, yes. Standard home insurance does not cover flood — it's a separate policy through the National Flood Insurance Program (NFIP) or a private carrier. WKI writes both. Even outside a designated flood zone, low-cost preferred-risk policies are worth considering.

Rebuild cost (size and construction of the home), location (proximity to fire stations, flood zones, hail belts), claim history, credit-based insurance score, deductible choice, and roof age. Bundling auto and home with the same carrier typically drops the rate 10–25%.

Farm and ranch insurance is a specialty policy that covers rural property — the dwelling, outbuildings (barns, sheds, workshops), equipment (tractors, implements), liability for working land, and often livestock and fencing. It replaces both a standard homeowners and a separate equipment / liability policy with one integrated coverage.

A standard homeowners policy includes a small allowance for 'other structures' — typically 10% of the dwelling limit — which is rarely enough for a working barn, shop, or guest cabin. Farm equipment, livestock, and working-property liability are not covered by standard homeowners at all. A farm and ranch policy fills those gaps.

Yes. We have specialty markets that handle homes on acreage, working ranches, hobby farms, and properties with a mix of personal and agricultural use. The right structure depends on the operation — we walk through it case by case.

Generally, anyone with assets above their auto/home liability limits, or above-average liability exposure. That includes households with teen drivers, pools, dogs, rental property, or significant net worth. Premiums typically run $200–$500 per year for the first $1M of coverage — small relative to what they protect.

Almost always no. Standard auto policies exclude motorcycles and recreational vehicles, and homeowners policies exclude motorized watercraft and most off-road vehicles. Specialty policies are designed for these and pay claims that standard policies routinely deny.

No. WKI focuses on supplemental health coverage — gap plans, disability income, cancer policies, and long-term care. For ACA marketplace plans (HealthCare.gov) or Medicare Advantage, we'll point you to the right resource. Honest scope is part of how the agency operates.

Major medical covers your hospital and provider costs (subject to deductibles, copays, and coinsurance). Supplemental policies pay you cash directly when something specific happens — a cancer diagnosis, a hospital stay, a disability — to cover deductibles, lost wages, or anything else you need.

It depends on the type of claim and the carrier. Not-at-fault accidents and most weather-related home claims have less impact than at-fault accidents. We can review the likely impact before you decide whether to file a small claim.

Call us. As your independent agent, we can interpret the policy language, push back on the carrier's adjuster, and escalate if the denial appears incorrect. If we can't resolve it through normal channels, we'll guide you through the formal appeal process.

Same business day on phone calls and form submissions during office hours. After-hours and weekend submissions are answered first thing the next business day. For claims, contact your carrier's 24-hour line first — WKI will shadow the claim during business hours.