Rated #1 in Texas — 4 years running

Coverage that shows up when it matters.

For 38 years, NGME's independent advisors have helped Texas families and businesses choose the right policy — not the one that pays the highest commission.

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4.9 from 1,200+ reviews · A+ BBB rating

A family home protected by NGME Insurance

25,000+ Texans covered 98% renew with us each year

Licensed & bonded

24/7 claims support

No hidden fees

Best price guarantee

Award-winning advisors

Coverage

Everything you'd expect — and a few things you wouldn't.

Six lines of business, dozens of carriers, one advisor who knows your file. From your first apartment to your fifth franchise.

Home

Dwelling, personal property, liability, and additional living expenses — built around your home, not a template.

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Auto

Full coverage, liability, collision, comprehensive, and SR-22 — bundled or stand-alone, whichever saves you more.

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Life

Term, whole, universal, indexed UL — chosen with your real goals in mind: income replacement, legacy, or estate plans.

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Business

BOPs, GL, workers' comp, commercial auto, cyber — packaged for the way your business actually operates.

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Health

ACA marketplace, short-term, group, Medicare supplement — licensed advisors compare every option in your zip.

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Specialty

Boat, RV, motorcycle, landlord, umbrella, jewelry — for the parts of your life that don't fit a standard form.

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38. Years serving Texas

Why NGME

We work for you — not the carrier.

Captive agents sell one company's products. We're independent, which means we compare dozens of carriers and recommend the policy that actually fits your situation.

Independent advisors

We shop your file across 30+ A-rated carriers, every renewal — no quota, no captive bias.

Fast, advocate-led claims

Our claims team escalates with the carrier on your behalf. Average payout: 48 hours.

Real people, real help

Direct lines to your advisor. No phone trees, no offshore call centers, no scripts.

Transparent pricing

Itemized quotes, plain-English coverage summaries, and zero surprise fees at renewal.

25K+Clients served

98%Claims satisfied

30+Carrier partners

A+BBB rating

Client stories

Trusted by thousands across Texas.

"NGME saved our family over $1,200 a year on home and auto. The team walked us through every detail — no jargon, no upsell."

Maria R. Homeowner · Austin, TX

"After my accident, my claim was handled in 48 hours. The NGME team checked in on me personally. You don't forget service like that."

James T. Auto policyholder · Round Rock, TX

"Switched our small business policy to NGME and saved 18% with better coverage. Our advisor knew our industry inside out."

Sandra L. Small business owner · San Antonio, TX

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Two minutes today. Peace of mind tomorrow.

Tell us what you'd like to insure and we'll match you with the right advisor. No commitment, no spam, no high-pressure pitch.

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A licensed advisor will call within one business hour.