Caballaro Agency

Caballaro Agency Home, auto, flood, commercial & employee benefits for Texans. Independent, local, and bilingual — run by Kevin Caballaro right here in Houston. Hablamos español.

At Caballaro Agency, we make insurance simple for Texas families and business owners — especially the ones who've been underserved or overlooked. As an independent agency, we shop multiple carriers to find you the right coverage at the right price, instead of pushing one company's products. We cover what matters: home, auto, flood, commercial property and liability, and employee benefits. Whether

you're protecting your family, your home, or the business you've built, we'll walk you through your options in plain language — in English or Spanish — and make sure you're covered the way you should be. Local, independent, and bilingual.

08/21/2026

Your health insurance renewal went up 20 percent again.

You called and asked why.

And nobody could actually tell you.

That is not a glitch. That is the product working as designed.

On a fully insured plan you hand the carrier your premium and get almost nothing back in the way of information. No claims report. No utilization. Just a bill that climbs every year and a shrug.

Here is what is happening behind the curtain.
The big carriers are running loss ratios in the 90s and higher. Some over 100. They are paying out more than they take in, so they raise everyone's rates to catch up. You are covering their bad math.

Move to a level funded or self funded plan and two things change.
You finally get real reporting, so somebody can answer the why question with actual data.
And if your group is healthy, you stop subsidizing everyone else's claims.

Fully insured is a comfort zone. I get it. For a lot of small groups it is also the most expensive way to buy healthcare.

Twenty years in, the pattern is clear. The owners who take a little control are the ones who stop getting steamrolled at renewal.

Curious what your group actually looks like under the hood? That is a conversation worth having.

08/19/2026

A premature baby can cost a company a million dollars.

Or it can cost nothing.

Same baby. The difference is who is running the plan.

Ten years ago a million dollar claim was rare. Usually a NICU baby.
Today they are everywhere. Three million dollar claims are becoming normal.
One year like that can wreck a small company's health plan and spike everyone's rates the next year.

Here is what most owners never hear.
On a self funded plan, a good administrator can look at a NICU claim and, when the baby qualifies, move that infant onto Medicaid for the stretch where the bills are brutal. That million dollars comes out of the company's claims experience. When the baby comes home healthy, they go right back on the plan.

The family gets taken care of.
The company does not absorb a million dollar hit.
Everyone's renewal stays sane.

You cannot do that on a fully insured plan. You do not even get to see the claims.

This is what separates a plan that is built for you from a plan that is just sold to you.

If your company health plan feels like a black box, that is by design. Let's open it up.

08/17/2026

Your health insurance is basically a coupon.

A coupon off a number the hospital made up.

Here is how a PPO plan actually works.
The hospital charges 10,000 dollars.
Your carrier negotiated a discount and knocks it to 7,000.
Everybody claps about the savings.

But nobody asks the real question.
Who decided the bill was 10,000 in the first place?

The hospital did.
And tomorrow they can decide it is 14,000.
Your discount just follows the made-up number up the elevator.

There is another way to pay for healthcare. It is called reference based pricing.
Instead of a discount off whatever the hospital dreams up, it ties the payment to Medicare. The cheapest, most standardized payer in the country.
150 percent of Medicare to a hospital. 130 percent to a doctor.

Same procedure. Same price. Every hospital. No mystery.

That is the difference between renting someone else's discount and setting your own guardrail.

I have spent 20 years watching business owners get handed 20 percent renewals and just eat them. This is one of the few things that actually breaks the cycle.

If your group renewal came in ugly this year, let's talk before you just accept it.

A 1-800 number can’t tell you which side of the street floods first during a Houston downpour.When you call a corporate ...
07/27/2026

A 1-800 number can’t tell you which side of the street floods first during a Houston downpour.

When you call a corporate insurance hotline, you aren't talking to someone who knows the drainage issues on your specific block in Harris County. You’re talking to a script.

In Houston, flood maps are often just historical documents. They don't always account for the new development two miles away that just changed your street’s runoff pattern.

I live here. I work here. I know which neighborhoods are seeing rising water and which ones are holding steady.

Algorithms don't walk your neighborhood. I do.

An out-of-state call center sees a zip code. I see your home, your family, and the actual risk that the standard maps haven't caught up to yet.

Don't wait for a storm to find out your "comprehensive" policy has a local blind spot.

DM me your address: I’ll run a quick check on the current drainage trends for your specific block. No charge. No pitch.

A $1M liability limit sounds like a massive safety net until you actually have to use it in Houston.If you own a home in...
07/26/2026

A $1M liability limit sounds like a massive safety net until you actually have to use it in Houston.

If you own a home in Harris County and run a business, that "standard" $1M limit is likely failing you. Here’s why.

Ten years ago, a million dollars covered a lot. Today, with skyrocketing Houston home values and rising medical costs after an accident, that limit can be gone before the legal fees even settle.

If you’re a business owner, you have a target on your back. If an accident happens: on or off the clock: your personal and business assets are on the line. Once that primary $1M is exhausted, everything else is exposed. Your home equity. Your savings. Your future.

An Umbrella policy is the fix. It’s an extra layer of protection that sits on top of your home and auto policies. It’s usually the least expensive part of your insurance plan, yet it’s the one that actually keeps you from losing everything.

Most policies I review are underinsured in this one key area. I’m looking for the gaps that large institutions hope you don't notice.

Send me your policy summary. I'll flag the gaps.
No charge. No pitch.

Most Houston homeowners are one storm away from a six-figure surprise.Your 2021 insurance policy cannot pay 2026 rebuild...
07/25/2026

Most Houston homeowners are one storm away from a six-figure surprise.

Your 2021 insurance policy cannot pay 2026 rebuild prices.

Here is the reality: If you haven’t adjusted your dwelling coverage in the last few years, you aren’t fully protected. Material costs, labor shortages, and Houston’s specific building demands have pushed rebuild prices far beyond what your current policy likely reflects.

Most policies I review are underinsured in this one key area.

The "Replacement Cost" on your declarations page isn't what your home is worth on the market: it’s what it costs to put the roof back over your head after a total loss. If that number is stuck in 2021, you’re essentially self-insuring the difference.

In Houston, we don't ask "if" a storm is coming, but "when." Don't wait until the adjusters are on-site to find out you're $100,000 short.

Send me your policy for a gap check.
No charge. No pitch.

Just a clear look at where you stand.

Small Houston teams overpay for benefits just because they’re small.The secret? You don't need 500 employees for big cor...
07/09/2026

Small Houston teams overpay for benefits just because they’re small.

The secret? You don't need 500 employees for big corp rates. It’s about how you pool risk.

Send me your summary: I’ll flag the savings. No charge.

Most "wealth managers" manage your portfolio, not your wealth. For business owners, that’s just a slice; not the pie. Re...
07/07/2026

Most "wealth managers" manage your portfolio, not your wealth. For business owners, that’s just a slice; not the pie. Real wealth management coordinates taxes, structure, and exit planning. DM me to see the whole pie. No pitch.

9 out of 10 Houston homeowners are walking into a rate trap right now. Texas rates are spiking, but some carriers are dr...
07/06/2026

9 out of 10 Houston homeowners are walking into a rate trap right now. Texas rates are spiking, but some carriers are dropping. After 20 years here, I know the outliers. Send me your policy: I'll flag gaps. No charge. No pitch.

Most business owners don't build a wealth plan: they build a Frankenstein. Scattered advisors who don't talk to each oth...
07/02/2026

Most business owners don't build a wealth plan: they build a Frankenstein. Scattered advisors who don't talk to each other. The fix isn't more advisors. It's one plan that coordinates the rest. DM to put it all on the table.

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1800 West Loop South Ste 1700
Houston, TX
77027

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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