Who you are dealing with
This website is published by Moon Insurance Managers, Inc., an independent insurance agency at 360 FM 1959, Houston, TX 77034, holding Texas Department of Insurance license #5595. Using this site means you accept the terms below. If you do not accept them, please use the phone instead — (281) 484-8320.
Nothing on this website binds coverage
No policy is bound, added, changed, renewed or cancelled through this website. Sending a form, describing a change in a comments box, or receiving an automatic confirmation that we got your message does not put coverage in force or alter a policy you already hold. A change is effective only when it is confirmed in writing by Moon Insurance or by the insurance carrier.
This matters most when the clock does. If you have bought a vehicle, closed on a house, signed a contract that requires a certificate, or need a filing made by a date, call the office and speak to a licensed agent. Do not assume a form submission has handled it, and do not rely on a website at all for anything with a deadline attached.
The same applies to claims. Telling us about a loss is not the same as reporting it to your carrier, and this site cannot report one for you.
Information, not advice
The pages here explain how coverages generally work in Texas so you can have a better conversation with us. They are general information, written for a general reader, and they are not advice about your situation.
Whether a particular coverage is right for you depends on facts this website does not know. Nothing here should be read as a recommendation to buy, keep, change or drop a policy, and nothing here is legal, tax or financial advice.
Policy language governs. Where anything on this site differs from the actual wording of a policy, the policy wording controls — every time, without exception. If a page here seems to promise something your policy does not say, the page is the thing that is wrong.
No prices, and no promise of a market
This website does not quote premiums. We do not publish rates and we do not produce an instant price, because a figure you can actually plan around comes from a carrier that has rated your risk, not from a web page.
Naming an insurance company on this site means it is a market this agency can approach. It is not a statement that the company is accepting new business today, that it writes in your area, or that it will offer you a policy. Availability, eligibility and price are decided by the carrier through its own underwriting, and they change without notice to us.
Some policies are written by surplus lines carriers that are not licensed in Texas and are not protected by the Texas guaranty association. Where that applies, we tell you on the page and again on the call.
Keeping the site accurate
We check what we publish and we date the figures that come from an outside source, so you can see when somebody last looked. Even so, insurance rules, carrier appetite and state requirements change, and a page can be out of date before we notice.
We may change, move or remove any page here at any time, and we do not promise the site will always be available or free of errors. If something here looks wrong, tell us — we would rather fix it than defend it.
Other companies’ names and links
Insurance company, program and product names on this site are the trademarks of their respective owners and are used to identify the markets this agency can approach. Their appearance here does not mean those companies endorse this agency or this website.
Some pages link to other websites — carriers, state agencies and federal programs among them, plus this agency’s own separate sites for surety bonds and senior life. We do not control anything on a site we do not run, and a link is not an endorsement of everything on the other end of it.
Using this site
- Use it for your own genuine insurance enquiries.
- Do not submit anything through the forms that you do not have the right to send us, and do not send the categories of sensitive information the forms tell you not to send.
- Do not attempt to interfere with the site, scrape it at volume, or submit forms automatically.
- Do not republish the content here as your own — see the copyright notice.
Limits on our responsibility
We take real care with what we publish, and this section does not change our obligations as a licensed Texas insurance agency to the people we do business with. Those obligations come from the agency relationship and from Texas insurance law, and no website term reduces them.
What it does say is narrower: to the extent the law allows, we are not liable for loss arising from your reliance on general information published on this website, from the site being unavailable, or from assuming that something sent through a form had an effect on coverage that only written confirmation can give it.
Texas law
This agency is licensed in Texas, does business in Texas, and these terms are governed by Texas law. Any dispute about this website belongs in the courts of Harris County, Texas.
If any part of these terms turns out to be unenforceable, the rest of them still stand.
Changes to these terms
We update this page when the terms change, and the revision date at the top is typed by whoever made the change. Continuing to use the site after a change means you accept the revised terms.
Questions: call (281) 484-8320 and ask for the owner. See also our privacy and copyright statement.