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Oncken Insurance Agency Trusted Choice Independent Insurance Agency We offer a wide range of products and companies. Let us do your insurance shopping for you.

The leaves are falling, the temperatures are cooling down, and fall is officially here. As the year starts to wind down,...
10/15/2026

The leaves are falling, the temperatures are cooling down, and fall is officially here. As the year starts to wind down, now is a great time to check in on anything still on your to-do list before the busy holiday season arrives.

Whether you have questions, need support, or simply want to connect, we are always here to help. Give us a call anytime, this season and every season.

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference ...
10/14/2026

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference between having actual cash value (ACV) and replacement cost value (RCV) coverage is significant and can affect how your business may respond after a loss.

Swipe through for a breakdown of both and what each one means for your bottom line.

If you want help determining whether you have ACV or RCV or would like to talk through how payout structures can impact your coverage, please don’t hesitate to reach out to our team. We are here to help.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/13/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

Costly commercial coverage gaps haunting your portfolio do not announce themselves. They show up as frightening surprise...
10/08/2026

Costly commercial coverage gaps haunting your portfolio do not announce themselves. They show up as frightening surprises, usually at the worst possible moment.

So that’s why this Halloween, our team wanted to pull back the curtain on the gaps that most commonly haunt businesses when a claim hits. Swipe through to see what might be hiding in your policy.

Not sure if any coverage gaps might be lurking in your coverage? That’s where we come in. We are here to help you review your policy and ensure your business is fully protected.

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding cost...
10/06/2026

Starting a construction project? Understanding when your builder’s risk coverage begins and ends is key to avoiding costly gaps. Swipe through to learn when coverage should begin and when it can end.

Have questions about your current policy or need coverage for an upcoming project? Give us a call. We're here to help.

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emerg...
10/01/2026

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emergency happens. In the United States, one home structure fire is reported every 96 seconds, serving as a sobering reminder of the importance of fire safety.

So, that said, our team wanted to share a few practical tips worth reviewing this season:

⚫ Know the leading causes - Cooking and heating are the two leading causes of home fires in the United States. Never leave cooking unattended, keep flammable materials at least three feet from heat sources, and check electrical cords regularly for damage or fraying.

⚫ Check your smoke alarms - Test them monthly, replace batteries annually, and fully replace any alarm that is 10 or more years old.

⚫ Have an escape plan and practice it - Plan two ways to escape from every room, make sure all windows and doors open easily, and designate an outdoor meeting place.

⚫ Know how to use a fire extinguisher - Remember the acronym PASS: Pull the pin, Aim low at the base of the fire, Squeeze the handle slowly, and Sweep the nozzle side to side. If you are not confident, get out and call 911.

⚫ Build safer daily habits - Never leave portable heaters or fireplaces unattended, keep matches and lighters locked away from children, avoid overloading outlets, and turn off all appliances before leaving the house or going to bed.

Fire prevention is a shared responsibility, and a little preparation goes a long way. If you have further questions about fire safety, we encourage you to reach out to your local fire station.

And if you have any insurance questions or needs, please don’t hesitate to reach out to our team. We are here to help you.

Builder's risk insurance is one of the most important coverages to understand before a construction project begins. Whet...
09/30/2026

Builder's risk insurance is one of the most important coverages to understand before a construction project begins. Whether the project involves ground-up construction, a major renovation, remodeling work, or an installation, the property is exposed to risk.

Swipe through for an overview of what builder’s risk insurance is, what it may cover, and why it matters.

Builder’s risk insurance is not one-size-fits-all. The right policy depends on the project type, total completed value, timeline, materials, parties involved, and coverage needs. If you have questions about this coverage or want to talk through coverage for another upcoming project, contact our office today. We can help you review the details and explore coverage options that fit the project.

Life insurance beneficiary designations play an important role in making sure assets are passed along according to your ...
09/28/2026

Life insurance beneficiary designations play an important role in making sure assets are passed along according to your wishes. While many people set these up once, it’s worth revisiting them from time to time. Swipe through to learn more.

If you’d like to review your current policies or talk through your beneficiary designations, feel free to reach out anytime. We are always happy to help.

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, ...
09/24/2026

Theft prevention is top of mind for many homeowners. Not only can it be deeply unsettling for your space to be invaded, but burglary can also represent significant financial losses for homeowners.

The good news is that a few simple prevention tips can go a long way toward protecting your home. Swipe for more.

While these tips can help deter burglars, they cannot fully prevent theft or mitigate the effects of a home invasion. That’s why it can also be crucial to ensure your homeowners insurance not only includes theft coverage, but that the coverage fully protects your home and belongings.

That said, if you have questions about your homeowners coverage and how it can help protect you in the event of theft, don’t hesitate to reach out to our team. We are here to help you.

Renting a commercial property for your business? Adequate renters insurance isn’t just a landlord requirement. It’s a sa...
09/23/2026

Renting a commercial property for your business? Adequate renters insurance isn’t just a landlord requirement. It’s a safeguard for your success. So, our team wanted to share some key information about renters insurance and how it can protect what you’ve worked so hard to build.

Swipe to learn more.

Looking for tailored renters insurance for your business? Contact our team today to get started! We are here to make sure you are fully protected.

Address

14007 Telge Road
Cypress, TX
77429

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+12812568310

Website

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