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Welcome to Scout Insurance.

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Select a product below or give us a call at 972-996-6674 to start the conversation.

Vehicles

Homes

Business

Restaurants

About Us.

Who is Scout Insurance?

As an independent insurance agency, we will do all the shopping around for you! We are able to compare price and coverage options with a variety of top insurance carriers in the industry.

It is our goal to help you understand your options and make the process as simple as possible because insurance doesn’t have to be so complicated!

While we focus on delivering value, we do a great job of delivering on price too.

38% Lower Rates vs Allstate

21% Lower Rates vs State Farm

34% Lower Rates vs Liberty Mutual

26% Lower Rates vs Geico

Protection meets life.

Coverage designed to fit your lifestyle.

Home Insurance

Homeowners

Protection specifically designed for your property.

Automobile Insurance

Automobile

For luxury vehicles, golf carts, and everything in between.

Contractors Insurance

Equine

Protect the animals you take care of.

Business Insurance

Business

Peace of mind know your business and employees are protected.

Contractors Insurance

Contractors

Solutions designed specifically for the needs of contractors.

Restaurant Insurance

Restaurants

Protection for your restaurant, staff, and guests.

Client Testimonials.

What our clients are saying.

Brittney has been great to work with. I reached out to her for some information and she was so great I switched all of my accounts over to her. It is nice to have someone that takes the time to figure the best things out for you and actually call you back the same day.”

SJ – Review left on Google

“Loved working with my agent Brittney. She saved me a lot of money on my home and auto. Very professional and knowledgeable.”

Raul – Review left on Google

“Britney was a great help in getting helping me select and move forward with a new insurance provider.”

Wendy – Review left on Google

The Scout Insurance is the epitome of quality customer service, guidance, and ease of process when it comes to obtaining home and auto insurance. Brittney Howard is true professional and I am so grateful for her dedication and pursuit of excellence in taking care of her clients. They are amazing!!”

Trisha – Review left on Google

Happy family moving into new house with insurance from Scout Insurance
Frequently Asked Questions.

Questions? Answers.

Will turning in a claim automatically increase my insurance?2023-07-08T14:57:54-05:00

This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

What is an adjuster?2023-07-08T14:57:54-05:00

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by us.  We do not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid fairly and promptly.

Does my insurance cover special events such as weddings?2023-07-08T14:57:54-05:00

Many venues that are rented for special occasions such as weddings and graduation open houses require proof of coverage for up to $1,000,000 in liability insurance to cover property damage and bodily injury accidents that may occur during the event.  Many Homeowners policies will provide coverage for these types of events. An excess / umbrella liability policy is also a good idea and will comply with the requirement for $1,000,000 in liability coverage.

If you are hosting an event where alcohol will be served, your homeowners policy will cover this “host liquor liability” as long as you do not charge money for the alcohol. If alcohol will be served it is recommended to transfer the liability by hiring a bartender or caterer who carries their own liquor liability coverage. If you do decide to have a cash bar or if the venue requires to be listed as an additional insured on your policy, we can provide you with a separate Special Event Liability policy to cover this exposure.

For specific events and how coverage would be afforded under your policy please contact us.

What is scheduling?2023-07-08T14:57:54-05:00

Scheduling involves placing specific items with a specific value on your homeowners insurance.  It can also be called an “Inland Marine” policy.  This allows coverage for items that may be leaving your premises and would then be lost or stolen.  They can also be set at specific deductibles.  The most common items to schedule are jewelry, bikes, cameras and fine arts.

What is the difference between “replacement cost” and “market value”?2023-07-08T14:57:54-05:00

Replacement cost is the amount it costs to rebuild a home or structure.  This amount can also include demolition.  This value can be significantly different than an appraisal.  Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value.  When insuring a home or structure the insurance company needs to know the replacement cost.  There are tools that our agents use to help approximate this value.

Do I need to have auto insurance if my vehicle is paid off?2023-07-08T14:57:54-05:00

Yes, it is the State law for all owners of a vehicle to have auto insurance.  It is your choice if you wish to insure for physical damage if there is not a lender involved.

Don’t see your question? Contact us.

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