Auto Insurance
Liability, collision, and comprehensive for cars, trucks, and teen drivers, with accident forgiveness, roadside, and gap options.
from $89/moGet a quote →
Coverage
Coverage that fits real life in Richardson
Every line below is quoted across A-rated carriers so you get the right protection at the right price. Bundle two or more and most families save even further.
Homeowners Insurance
Dwelling, contents, and personal-liability protection, plus coverage for wind, water backup, and high-value belongings.
from $110/moGet a quote →
Renters Insurance
Affordable protection for your belongings and liability in a rental, and it often lowers your auto rate when bundled.
from $15/moGet a quote →
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/moGet a quote →
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/moGet a quote →
Business & Commercial
General liability, commercial auto, property, and workers' comp built for Richardson small businesses and contractors.
Custom quoteGet a quote →
Simple process
Getting covered takes about an hour
No phone trees, no jargon. Here's exactly how it works from first call to policy in hand.
01
Tell us about you
Share what you're driving, owning, or building. Two minutes by phone, form, or in person, whatever you prefer.
02
We shop the market
Your advisor compares A-rated carriers side by side and flags any coverage gaps you didn't know you had.
03
You choose, we handle it
Pick the option that fits your budget. We set up the policy, cancel the old one, and stay on for every renewal.
Bundle & save
One advisor, every policy, real savings
Combining your auto, home, and umbrella coverage with Harbor Point Insurance usually unlocks multi-policy discounts, and it means one renewal date, one point of contact, and one team that already knows your file.
- Multi-policy and safe-driver discounts applied automatically
- Free annual review to catch new discounts and coverage gaps
- Flexible monthly or paid-in-full options with no hidden fees
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.