Auto Insurance
Liability, collision, and comprehensive for cars, trucks, and teen drivers, with accident forgiveness, roadside, and gap options.
from $89/mo
Independent Insurance Agency
Steady coverage for
Steady coverage for
the life you're building.
Harbor Point Insurance is an independent agency comparing 40+ top-rated carriers to protect your car, home, and family, with a real advisor who answers the phone right here in Richardson.
What we protect
One agency for every line you carry
Independent means we shop the market for you. Bundle your policies under one roof and one advisor who actually knows your name.
Homeowners Insurance
Dwelling, contents, and personal-liability protection, plus coverage for wind, water backup, and high-value belongings.
from $110/mo
Renters Insurance
Affordable protection for your belongings and liability in a rental, and it often lowers your auto rate when bundled.
from $15/mo
Life Insurance
Term and whole-life policies sized to keep your family in their home and on track, with no-exam options available.
from $26/mo
Umbrella & Liability
An extra $1M–$5M of liability stacked above your auto and home limits, real peace of mind for pennies a day.
from $19/mo
Business & Commercial
General liability, commercial auto, property, and workers' comp built for Richardson small businesses and contractors.
Custom quote
Why Harbor Point Insurance
Advice first. Policies second.
- 1We work for you, not a carrierAs an independent agency we compare dozens of A-rated companies and recommend the fit, not a quota.
- 2A real person at claim timeWhen something happens, you call your agent directly. We advocate for you through the whole claim.
- 3Annual coverage reviewsLife changes, new car, new baby, new home. We revisit your policies every year so you're never over- or under-insured.
In their words
The Ramirez FamilyHome & Auto clients, Richardson
Let's find out what you're overpaying for
Send us your current policy or start from scratch. In about an hour, a licensed Richardson advisor will show you where you can save, and where you may be dangerously underinsured.