The top-rated disability insurance agent in Katy, Texas is Manuel Molinar - State Farm Insurance Agent, rated 5.0 stars across 448 reviews. Other highly rated options include DLG Insurance Agency, North Star Insurance - Medicare and Health Insurance, Steven Smith - State Farm Insurance Agent. This directory lists 22 disability insurance agents serving Katy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Manuel Molinar - State Farm Insurance Agent | 22210 Highland Knolls Dr | (713) 266-4545 |
| 2 | DLG Insurance Agency | 22503 Katy Fwy Suite 47 | (713) 262-5366 |
| 3 | North Star Insurance - Medicare and Health Insurance | 873 S Mason Rd Ste 320 | (832) 220-1333 |
| 4 | Steven Smith - State Farm Insurance Agent | 25145 Star Ln Suite 302 | (281) 347-8383 |
| 5 | Wiemers Insurance Group | 23227 Red River Dr | (281) 344-2557 |
| 6 | Matt Schomburg - State Farm Insurance Agent | 810 East Ave | (281) 578-0607 |
| 7 | Baffano Brokers | 22503 Katy Fwy Suite 52 | (855) 609-1990 |
| 8 | TS Insurance | 1526 Katy Gap Rd #202 | (281) 396-4789 |
| 9 | Home Insurance Solutions of Texas - Equity Insurance Group | 1324 Avenue D | (281) 293-7744 |
| 10 | Inszone Insurance Services | 21356 Provincial Blvd | (281) 578-0523 |
Manuel Molinar - State Farm Insurance Agent serves the Katy, Texas area and surrounding communities as a disability insurance agent. The company helps individuals and families understand how disability coverage can replace a portion of lost income if an illness or injury prevents them from working. Policy options are reviewed to match each client’s occupation and financial needs. Personalized consultations are available to explain benefit periods and elimination periods. The agency also assists with short-term disability plans and long-term disability policies for local residents.
DLG Insurance Agency provides a full range of disability insurance services in the Katy, Texas area, helping individuals secure income protection for unexpected illnesses or injuries. The agency handles initial policy selection, application assistance, and ongoing plan reviews to ensure coverage remains appropriate. Routine service maintenance includes policy updates, beneficiary changes, and claims support for clients experiencing a disability. These services are offered to single-family homeowners, apartment dwellers, and professionals at retail or restaurant properties who need reliable protection for their earning power.
Serving Katy homeowners and local businesses, North Star Insurance - Medicare and Health Insurance provides disability insurance agent services for individuals seeking income protection against unexpected illness or injury. The agency guides clients through policy selection to help maintain financial stability following a disabling condition that prevents regular work. Covering a broad part of the Houston metropolitan area, the firm also assists residents throughout the nearby Energy Corridor and western Harris County.
Steven Smith - State Farm Insurance Agent in Katy, TX assists clients with both short-term disability benefits for temporary income recovery and long-term policies for extended coverage needs. These plans replace a portion of lost wages if injury or illness prevents work, helping protect household finances. Consultations explore policy durations, elimination periods, and benefit amounts tailored to individual circumstances. Service is available on a scheduled appointment basis to discuss options and, if needed, manage claims throughout the policy term.
Wiemers Insurance Group in Katy, TX, specializes in disability insurance to protect clients' income during illness or injury. The agency also assists with long-term and short-term disability policies tailored to individual employment needs. Its agents navigate complex benefit structures to ensure comprehensive coverage for local professionals and small business owners. As tax season approaches, the company helps self-employed individuals integrate disability protection into their financial planning to safeguard against unexpected earnings loss.
Matt Schomburg - State Farm Insurance Agent serves clients in Katy, Texas, and the surrounding communities, handling disability insurance needs for individuals and families. This agency assists with policies that help protect income if an injury or illness prevents work. It explains how different plans offer short-term or long-term coverage options. The typical job is managed by reviewing the client’s current coverage, discussing their specific employment situation and financial obligations, then presenting a suitable policy from available carriers for their consideration.
With the Houston area’s frequent storms and seasonal construction injuries disrupting local jobs, many residents in Katy seek reliable income protection for unexpected medical leaves. Baffano Brokers provides disability insurance agent services, helping clients understand individual or employer-based options suitable for their specific work circumstances and recovery timelines. The firm’s process begins with a personalized needs consultation, reviewing health history and earning schedules within a single appointment. That initial fact-gathering session establishes eligibility requirements for short-term or long-term disability products available through various carriers.
TS Insurance, serving the Katy, Texas area, works with individuals and businesses to evaluate their specific coverage needs against financial risks. The company specializes in disability insurance, helping clients understand policies that provide income replacement if illness or injury prevents work. Its agents focus on explaining benefit terms and policy structures, including waiting periods and coverage durations. TS Insurance can serve a variety of commercial sectors such as offices, warehouses, and food service operations.
Home Insurance Solutions of Texas - Equity Insurance Group provides residential disability insurance services in the Katy, Texas area, helping families protect their income in case of injury or illness. Their commercial coverage extends to local small businesses needing employee disability protection as well. Agents serve clients throughout the greater Katy region, assessing individual needs to match appropriate plans. Between regular scheduled policy reviews, the team follows up directly to address any changes in customer circumstances that may require coverage adjustments.
Inszone Insurance Services, based in Katy, TX, is known for guiding clients through disability insurance options designed to protect income in the event of injury or illness. Its range of services typically covers policy analysis for short-term and long-term disability plans, helping individuals and businesses assess their specific coverage needs within the local community. The agency also assists with employer-sponsored group transitions and spouse benefits. A specialty add-on service it can provide is reviewing existing disability policies for benefit optimization.
What Does a a Disability Insurance Agent in Katy Cost?
Disability insurance agent services in Texas are usually free to the consumer because agents earn commissions from the insurance carrier. Policy premiums for individual coverage in Katy can range from $50 to $300 per month for a 40-year-old in good health, depending on benefit amount and waiting period. Group disability insurance through an employer may cost 0.5% to 1.5% of salary. These are general estimates and your actual cost will depend on your specific situation. This information is general and not insurance advice.
About disability insurance agents in Katy
Disability insurance agents in Katy, Texas help individuals and business owners secure income protection policies. Texas law requires agents to be licensed by the Texas Department of Insurance. Katy agents can guide you through group and individual disability plans including those governed by ERISA for employer-sponsored coverage.
Frequently Asked Questions
What does a disability insurance agent in Katy do?
A disability insurance agent helps you compare policies from different carriers, explains policy terms like elimination periods and benefit amounts, and assists with the application process. They can also help you understand how Texas insurance regulations affect your coverage.
How do Texas laws affect disability insurance claims?
Texas has a prompt pay law requiring insurers to respond to claims within 15 days. For employer group plans, ERISA federal law applies. An agent can explain the difference between state-regulated individual policies and ERISA group plans.
What is the typical cost for disability insurance in Texas?
Premiums vary based on age, health, occupation, and benefit amount. A typical individual policy for a 40-year-old professional in Katy might cost between 1% and 3% of annual income. Group rates through an employer are often lower. Costs are not guaranteed and depend on underwriting.
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