Michael Jewell Insurance
You Get Us. Not a Call Center.
Independent insurance for Houston homeowners, drivers, and businesses — from agents who have been answering the phone since 1990.
• 36 Years Licensed • Independent Since 2019 • Reshops Your Coverage at Every Renewal • Serving Harris, Galveston, Fort Bend, Brazoria, Montgomery & Chambers Counties
• 36 Years Licensed • Independent Since 2019 • Reshops Your Coverage at Every Renewal • Serving Harris, Galveston, Fort Bend, Brazoria, Montgomery & Chambers Counties
After Hurricane Harvey, roughly 70% of flood damage across the Houston area was uninsured. Not because people ignored their coverage — because nobody sat down with them and explained what their policy actually covered before the water rose.
That is the conversation we have with every client. I am Michael Jewell, an independent insurance agent based in Houston, and I have been working in this market long enough to know exactly where the gaps are — in flood coverage, windstorm exposure, and policies that look fine until you file a claim. We shop across multiple carriers to find the right fit, and we reshop your coverage at every renewal, not just when you first sign up.
Coverage for Every Risk Houston Throws at You
Homeowners Insurance
Your home is your largest asset. We make sure the policy protecting it actually matches what it would cost to rebuild — and that flood and windstorm gaps are addressed before a storm makes them painfully obvious.
Flood Insurance
Standard homeowners policies do not cover flood damage. we place both NFIP and private flood policies and help you understand which option fits your property, your flood zone, and your budget.
Windstorm Insurance / TWIA
Coastal and near-coastal Houston properties often need separate windstorm coverage. We work with TWIA and private windstorm carriers and can walk you through eligibility and options specific to your address.
Auto Insurance
We shop your auto coverage across multiple carriers every year to make sure you are not overpaying for the same protection you could get elsewhere for less.
Commercial Insurance
From general liability to commercial property and commercial auto, we help small business owners in the Houston area build coverage that fits how their business actually operates.
Life Insurance
Life insurance is one of those things people mean to get around to. We make it straightforward — no pressure, no jargon, just an honest conversation about what makes sense for your family.
Why an Independent Agent Makes a Difference
There is a meaningful difference between an agent who works for one carrier and an agent who works for you. Here is what that looks like in practice:
We are not tied to a single company. We shop across multiple carriers to find coverage that fits your situation — not whichever product our employer needs us to move this quarter.
We reshop your policy at every renewal. Most captive agents only compete for your business once. We treat every renewal as an opportunity to make sure you still have the best available option.
We know Houston's specific risks. Flood zones, TWIA eligibility, windstorm corridors, post-Harvey underwriting shifts — this market has layers that a national call center agent in another state will not catch.
You reach us directly. When you have a question or need to file a claim, you call us. We know your name, your property, and your coverage history.
Customer testimonials on Google
A Little About Michael
I have been a licensed insurance agent since 1990. For most of that career I worked with a single carrier — which meant I could only offer clients what that one company sold. In 2019, I made the move to independent agency status specifically so I could do my job the right way: shop the full market, give honest recommendations, and put the client's interests ahead of any one carrier's.
I work with homeowners, drivers, small business owners, and families across Harris, Galveston, Brazoria, Fort Bend, Montgomery, and Chambers counties. Most of my business comes from referrals, and I take that seriously. When someone sends a friend or neighbor my way, they are putting their reputation on the line. I do not take that lightly.
Questions Houston Homeowners Ask Before They Call
Do I need separate flood insurance if I already have homeowners insurance?
Yes. Standard homeowners policies in Texas do not cover flood damage — not from storm surge, rising bayous, or heavy rainfall events like Harvey. Flood insurance is a separate policy, placed either through the NFIP or a private carrier, and it is one of the most important gaps to close if you own property in the Houston area.
What is the difference between TWIA and private windstorm insurance?
TWIA is the Texas Windstorm Insurance Association, a state-backed insurer of last resort for properties in designated coastal counties that cannot obtain windstorm coverage in the standard market. Private windstorm policies are available through admitted and surplus lines carriers and sometimes offer broader coverage or better pricing depending on the property. I can walk you through which option applies to your address.
Do I need TWIA windstorm insurance for my League City home?
It depends on your specific address. League City straddles the TWIA eligibility boundary — some areas qualify, others do not. The determining factor is whether your property falls within a designated catastrophe area as defined by the Texas Department of Insurance. I can look up your address and tell you exactly what applies to your situation.
How does an independent agent reshop my coverage at renewal?
Before your policy renews each year, I review your current coverage and run it against available options across my carrier network. If a better fit exists — better pricing, broader coverage, or a carrier better suited to your risk profile — I bring it to you. You do not have to call around yourself or wonder whether you are still getting a fair deal.
What counties does Jewell Insurance serve?
I serve Harris, Galveston, Brazoria, Fort Bend, Montgomery, and Chambers counties. That covers most of the greater Houston metro area, including communities along the coast and the major suburban corridors to the west, north, and south.
Is the 70% uninsured flood damage statistic from Hurricane Harvey accurate?
CoreLogic estimated that approximately 70% of flood losses from Hurricane Harvey were uninsured, reflecting how few Houston-area homeowners carried separate flood policies at the time. That figure has been widely cited by insurers, urban planners, and federal agencies as a benchmark for the coverage gap in flood-prone markets.
Get a Quote — It Takes About Two Minutes
Tell us a little about what you need and we will get back to you with options. No commitment, no pressure.
Serving Houston and surrounding communities including Katy, Sugar Land, Pearland, The Woodlands, Pasadena, League City, Friendswood, Webster, Clear Lake, Galveston, and Baytown.
