Our Mission

Gary Kincaid Insurance mission is to insure our customers’ futures by understanding and solving their unique problems and delivering a wide-range of insurance products and solutions to exceed their unique insurance needs. Gary Kincaid Insurance wants to provide not only highly competitive solutions, but also the right solutions.

Home | Property Insurance

For most people, your home is your single largest investment. We understand the importance of that and provide insurance programs for all kinds of properties.


Whether your home is considered a hard to place risk (due to location), a high-end home, or a second home, we can provide you with the right insurance program specifically designed to meet your needs and budget.

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Your home is where protection lives.

More and more people in Texas are buying homeowners insurance from Gary Kincaid Insurnace than any other insurer.

Each insurance company offers different credits, but we can help you determine which ones apply to you. Some of the credits available are:

  • Homes built in the last 15-20 years (considered a new home)
  • Non-Smokers
  • Home Renovations
  • Protective Devices
  • New Movers – if you bought your house within the last 12 months. This does not need to be a new house, just new to you!

In addition to the credits available, our homeowner programs include specific
protection, such as:

  • Home replacement cost valuation
  • Replacement cost coverage on home and contents
  • Identity Theft
  • Valuable items protection
  • Personal computer coverage
  • Business in the Home protection

As with all our policies we provide competitive rates from multiple insurance companies with convenient payment terms.

PLEASE NOTE: Flood Insurance is NOT included on your homeowners’ policy. You need to purchase a separate policy for flood insurance, which has a 30-day waiting period.

Condominium Insurance

It's unlikely your unit is covered by your condo or townhome association


A policy to cover your condominium offers many of the same discounts as a homeowner’s policy. In addition, it provides coverage for betterments and improvements made to your unit.

Although this insurance is not required, it is recommended because replacement cost will restore the unit to its original condition, although any improvements you have made in the meantime will not be covered. Also, if you rent out your condo (in and out of state) it is important to have coverage in case those you rent it to cause damage to your unit.

We have the expertise to help you structure an insurance policy to fit your specific needs and budget for your Texas property or a second residence located outside of Texas. As with all our policies we provide competitive rates from multiple insurance companies with convenient payment terms.

Renters Insurance

Renters, you're on your own!

man at computer

Although renters do not own the building they occupy, they still face many of the same exposures faced by homeowners. Your possessions are worth a lot to you; therefore, you need insurance that covers you and your belongings in the event of a fire, theft, or almost anything else that might happen.

Did you know that your Landlord’s insurance policy does not provide coverage for your possessions? What you need to protect yourself at the time of a loss is a Renters Insurance Policy. It will make the task of starting over less devastating.

As with all our policies we provide competitive rates from multiple insurance companies with convenient payment terms.

Investment | Rental Property Insurance

Safeguard your investment.

man with family

Whether you have investment property in the form of a condo, single-family home, or a multi-family home you need to have insurance that is quite different than if you lived in the property yourself. There is an increased liability hazard on investment properties because you don’t know what your tenants are doing. As a landlord, you have the ability to pick and choose what you want to “cover” within the residence. For example, you may want to insure the appliances that come with the unit.

Gary Kincaid Insurance has programs to provide insurance on investment property featuring:

  • Landlord furnishing coverage
  • Loss of rents/income coverage
  • Coverage for single-family homes
  • Coverage for multi-family homes
  • Personal liability protection

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