Texas Select Insurance Group

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Texas Select Insurance Group Texas Select Insurance Group provides value driven brokered insurance options in Texas. We specialize in Business, Home, Auto, and Life insurance.

10/17/2026

A lower premium looks like a win until a claim shows you what you gave up to get it. The most common mistake we see is shopping on price alone instead of looking at the coverage behind it.

A cheaper policy can carry higher deductibles, important exclusions, or limits that fall short of what your building or operation actually needs. For commercial property owners, that often means being insured below replacement cost or having gaps around wind, hail, water damage, and vacancy. For contractors, it can mean restricted coverage for subcontractor work or completed operations that surfaces right when you are bidding a job or filing a claim.

Two policies with similar premiums can protect you very differently. Our job is to help you see those differences before you ever need the policy. Message us your question.

Think about everything your business relies on every day. Equipment, inventory, tools, furniture, technology, and other ...
10/16/2026

Think about everything your business relies on every day. Equipment, inventory, tools, furniture, technology, and other business property can all play a role in your commercial insurance needs.

Let's make sure your coverage reflects the business you're actually running.

Texas Select Insurance
texasselectinsurance.com
(325) 777-1772

10/16/2026

More people in San Angelo and across West Texas are running a business from home than ever. Consultants, contractors, photographers, bookkeepers, caterers, dog groomers. If that is you, here is a gap worth understanding before it costs you.

A standard homeowners policy is written for residential use. It is not designed to cover business operations, and it typically carries significant limits or outright exclusions once business activity is involved. On the property side, most standard policies cap coverage for business equipment and inventory kept at home at around 2,500 dollars. If you have a laptop, a camera, professional tools, or inventory worth more than that, you are exposed beyond what your homeowners policy will pay.

The liability side is more serious. If a client, vendor, or delivery person is injured on your property while doing business with you, your homeowners liability may not cover that claim. Business liability is generally excluded from a personal homeowners policy, which is exactly the kind of surprise nobody wants to discover after the fact.

The good news is there are solutions to fit the size of the operation. Some carriers offer endorsements that add a modest amount of business coverage to a homeowners policy, which can work for a low traffic, low risk home office. For more substantial operations, an in home business policy or a separate commercial general liability policy is usually the right answer. The Texas Department of Insurance has published guidance on this exact question because it comes up so often.

If you run any kind of business from home and have not had this conversation with your agent, it is worth closing that gap. It does not have to be complicated. It just needs to be addressed specifically. Message us your question about home business coverage.

10/15/2026

If you grow wheat, grain, sorghum, cotton, or any other commodity out here, you have heard of crop insurance. The common question is how it fits with the rest of your coverage.

Crop insurance is a federally backed program administered by the USDA Risk Management Agency. The policies are sold through private licensed agents, but the program itself is federally managed and subsidized. It covers production losses from things like drought, excessive moisture, wind, hail, freeze, and disease, depending on the plan, and there are revenue protection options that factor in commodity price swings, not just yield. In country where rainfall is unpredictable, that is worth a serious conversation with a licensed crop agent, and signup deadlines change year to year.

The key point to remember is that crop insurance is separate from your farm and ranch property policy. Your buildings, livestock, and equipment run through the farm policy. Your crops run through the federal program. They are complementary but distinct.

Message us your question about crop insurance.

10/14/2026

A lot of folks assume flood damage is just part of their homeowners policy. It usually is not, and that gap matters more in West Texas than people expect.

Standard homeowners insurance often handles sudden water losses like a burst pipe or a failed washing machine hose, depending on your policy language. But flooding, meaning water that rises from the ground up during heavy rain or an overflowing creek, is specifically excluded from virtually every standard homeowners policy. Flood coverage is a separate product, available through the National Flood Insurance Program and some private carriers.

San Angelo does not flood like the Gulf Coast, but flash floods are real here. Anyone who has watched the Concho move after an upstream storm knows that. Low lying areas and properties near dry creek beds carry exposure the FEMA maps do not always capture. If water could ever rise from outside your home rather than leak from inside, this is a conversation worth having.

Message us your question about flood insurance.

Finding commercial insurance doesn't have to mean sorting through options on your own.Texas Select uses AI compatibility...
10/14/2026

Finding commercial insurance doesn't have to mean sorting through options on your own.

Texas Select uses AI compatibility along with our knowledge of the insurance market to help identify options based on your business and its specific needs.

One call. We shop them all.

10/13/2026

Ask a rancher about their biggest insurance risk and few will say farm liability. That is exactly why it gets overlooked.

Farm liability protects you when someone is injured on your property or when your operation causes damage to someone else. On a working ranch that shows up in more ways than you would think. A hired hand gets hurt moving cattle. Livestock gets out and damages a neighbor's fence. A visitor falls. A piece of equipment moving along a county road is in an accident. These are the situations farm liability is designed to respond to.

Out here in West Texas, hunting leases and agritourism add another layer. Texas landowner statutes offer some protection for recreational access, but a lease that involves compensation can change the picture, and you may need your policy to specifically address it. Tell your agent how your land is actually being used.

Message us your question about farm liability.

10/12/2026

Knowing what a policy excludes is just as important as knowing what it covers, and that is true for property owners and contractors alike. Ask about wind and hail, replacement cost versus actual cash value, vacancy provisions, water damage, and any exclusions tied to subcontractors or completed operations.

After more than 20 years in the medical insurance world, Nancy Belcher moved into commercial insurance because she found a real passion for helping business owners protect what they have built. She has called the San Angelo area home for nearly 20 years, and when she is not reviewing coverage she is usually driving her two kids from one rodeo to the next.

That local, plainspoken approach is what we are about here. If you are a contractor, property owner, real estate investor, or business owner with questions, drop a question in the comments.

10/12/2026

As your business grows, your insurance needs can change too.

New employees, equipment, vehicles, locations, or services can all impact the coverage your business may need.

Questions about your coverage? Let's talk.
Texas Select Insurance
texasselectinsurance.com
(325) 777-1772

10/11/2026

A lot of building owners insure their property for what they paid or what it would sell for. Neither number is right.

Replacement cost is the figure that belongs on your commercial property policy. It is what it would actually cost to rebuild your building today at current labor and material prices, no land included. Purchase price and market value are real estate numbers that move with location, demand, and interest rates, and they tell you nothing about rebuilding.

Here is why it matters. Actual cash value policies subtract depreciation and pay less at claim time. Replacement cost policies pay current rebuild costs, but only up to your limit. And the coinsurance clause usually requires you to carry at least a set percentage of replacement cost, often 80 percent. Fall below that and your payout gets reduced, even on a partial loss.

Make sure your limit reflects what construction costs today, not five years ago. Drop a question in the comments.

Address

502 S Koenigheim Ste 2H
San Angelo, TX
76903

Opening Hours

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

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