Kevin Dacey - The Insurance Whisperer

10/30/2026

Homeowners insurance is quietly becoming one of the biggest pieces of the Texas affordability puzzle. 🏠

A new study from the Texas A&M Real Estate Research Center found:

Texans pay about $540 a year per $100,000 of home value for insurance, compared to about $340 nationally
Houston-area homeowners averaged $225 a month in 2024, after a jump of more than 20% in 2023
In 2024, insurance accounted for about a quarter of the increase in what it costs to own a home in Texas

The takeaway: insurance isn’t a set-it-and-forget-it bill anymore. A few things worth doing:

✅ Review your policy every year at renewal, not just when the bill shows up
✅ Know your deductibles, especially wind/hail, which is often a percentage of your dwelling coverage, not a flat dollar amount
✅ Ask about discounts for a newer roof, security systems, or bundling home and auto
✅ Near the coast? Make sure you know how your wind coverage is set up, and remember flood is a separate policy
✅ Compare. As an independent agency, we shop multiple carriers so you don’t have to

If your premium went up this year (or you just want a second set of eyes), send me a message or call 832-324-8085 for a free quote.

Happy to help, neighbor.

Lonestar Integra Insurance Services
📍 Deer Park, TX

Read the full study:

Texas small rural land market trends: rising small-tract sales, shifting demand drivers, and new forecasting models explain price behavior.

09/12/2026

Friends!

Whether you're a seasoned investor, wholesaler, landlord, flipper, lender, realtor, contractor, or just getting started, the Tomball Investors Network is the place to build relationships, learn from other professionals, and create new opportunities.

This month, Wade Comeaux and Rob Trigg will be talking about Hard Money and DSCR Lending and how real estate investors can use both to finance deals and build their portfolios.

We'll break down how hard money works for fix & flips, rehab projects, and investment properties, along with how DSCR loans can be used to finance and refinance rental properties based primarily on the property's cash flow.

We'll also cover what lenders look for, common financing mistakes investors make, and how to structure your financing and exit strategy before getting into a deal.

Come enjoy an evening of networking, real estate education, and great conversation with investors and industry professionals from across the Houston area.

Event Details
📅 Date: Tuesday, September 15th, 2026
🕕 Time: 6:00 PM – 10:00 PM
📍 Location: Creekwood Grill
12710 Telge Rd, Cypress, TX 77429

Come connect, learn, and grow with one of the fastest-growing real estate networking communities in the Houston area.

https://www.eventbrite.com/e/freedom-lending-tomball-investors-network-real-estate-social-sept-15-tickets-1998438630741

09/02/2026

Hey Friends!

I’m excited to announce a new partnership with Rob Trigg and Freedom Lending as a trusted vendor! Rob has graciously asked me to join his team and assist investors in reaching their financial goals.

Rob is one of the best in the lending business and is passionate about helping investors succeed through transparent communication, strategic guidance, and operational efficiency. Whether assisting first-time investors or seasoned real estate professionals, his focus remains the same: helping clients close successful deals and build long-term wealth the right way. His experience spans fix-and-flip financing, DSCR loans, rental portfolio growth, and long-term investment strategies.

Benefits to working with Rob:
✅ Fast closings
✅ No BS
✅ Lender Direct
✅ Deal Focused
✅ Reliable Capital
✅ Strong Partnerships

Financing solutions for real estate investors. Real results. Real Freedom.

📞 Rob Trigg | 903-806-4400 | [email protected]

08/31/2026

Hello, Friends!

Lonestar Integra Insurance Services is being impacted by the Microsoft Outlook outage that's causing widespread disruption today.

What this means for you: our email is delayed or unavailable. If you emailed me today and haven't heard back, that means I haven't received it yet.

Please call me at 832-324-8085. Our phones are working normally and I'm here — quotes, claims, payments, ID cards, and policy changes are all business as usual by phone.

If you have something time-sensitive, please don't wait on email. Call me and I'll take care of it!

I'll post an update once Microsoft restores service. Thanks for your patience.

08/14/2026

Howdy, friends!

Have you wondered what you actually get from having a personal agent? Here's what that looks like in real life:

🙋 Someone who actually knows your situation. New roof? Teen driver added to the policy? Renting out a property? I already know your coverage, so we're not starting from scratch every time life changes.

🔍 A second set of eyes before renewal surprises hit. Rates move, carriers change appetite, discounts get missed. I check in and flag it before your bill jumps — not after.

🤝 Someone in your corner during a claim. Claims can feel like a maze. Having an agent who can call the adjuster, explain your coverage, and push things along when they stall makes a real difference — especially with anything storm or water related around here.

📋 One phone call for everything. Home, auto, umbrella, landlord policies — instead of juggling multiple logins and 800-numbers, it's one relationship and one person who has the full picture.

💬 Honest answers, even when they're not the exciting ones. If a policy has a gap or a carrier isn't the right fit for your situation, I'll tell you — my job is to make sure you're actually covered, not just get you signed up.

At the end of the day, insurance is one of those things you hope you never need — but when you do, you want someone who already knows your name and your coverage, not a random voice on hold.

I'm always happy to chat if you want a no-obligation review of what you've got. Just send me a DM or give me a call at 832-324-8085. 🙂

08/13/2026

It takes a great team to be successful in real estate investing.

Excited to be part of the team with Brandy Swagger Realtor!

🏡 PLEASE HELP ME WELCOME ANOTHER AMAZING PARTNER TO THE SOUTHERN FLIP MENTORS FAMILY! 🎉

I’m excited to introduce Kevin Dacey — “The Insurance Whisperer” and our newest insurance partner!

One of the biggest things I teach my investors is that a successful deal isn’t just about finding the property — it’s about having the right team of professionals behind you from beginning to end. Insurance is a HUGE part of protecting that investment, and Kevin brings the knowledge and experience our investors and clients need.

Kevin can assist with:

✅ Home Insurance
✅ Landlord Policies
✅ Builder’s Risk
✅ Vacant Dwelling
✅ Flood Insurance
✅ General Liability
✅ Renters Insurance
✅ Auto, Boat, RV, Motorcycle & ATV/Golf Cart coverage

Whether you’re flipping a property, building, buying a rental, holding an investment, or protecting your own home, Kevin is another trusted resource our Southern Flip Mentors community can turn to.

📞 Kevin Dacey | Broker/Independent Agent
832-324-8085

❤️ Welcome to the Southern Flip Mentors family, Kevin! I’m excited to have you as part of our team and even more excited about the value you’ll bring to our investors and clients!

Real Solutions. Real Protection. Real Peace of Mind.

07/29/2026

Hey neighbors! 👋

Had a few people ask me lately why they should go with a local independent agent instead of just grabbing a policy through Costco or USAA, so figured I'd share some thoughts here.

It comes down to three things:

🏠 I shop it for you. I'm not tied to one company — I can pull quotes from three dozen-plus carriers and actually compare coverage, not just price. Big box programs are usually one carrier, take it or leave it.

📍 We know this coast. Here in the Houston/Galveston area, things like TWIA (Texas Windstorm Insurance Association) windstorm coverage, named storm deductibles, and flood zones aren't optional extras — they're the whole ballgame. A national call center rep in another state usually isn't going to catch the stuff that actually matters for a home near the bay.

☎️ When something happens, you call me, a real person. Not a 1-800 queue. If you get a renewal increase, a claim, or a confusing letter from your mortgage company, I answer the phone and we figure it out together — same day, usually.

None of this means Costco or USAA are bad — they can be a fine fit for some folks! But if you've ever felt like you're just a policy number, or you're not 100% sure your home is covered the way you think it is, it might be worth a second set of eyes. Happy to do a no-pressure comparison anytime — just shoot me a message or call me at 832-324-8085. I'm here to help! 🙂

05/16/2026

New business cards!

04/15/2026

03/06/2025

Wouldn't it be nice? 😆😆

Let's find out if I can adjust your premium for some savings! 832-324-8085