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James Little Independent Insurance Agency.
We Work For You, The Policyholder – Not The Insurance Company.
We take pride in being an independent insurance agency located in Southlake, Texas (just north of Fort Worth) focused on offering our clients the best possible choices of auto, homeowners, landlord, renters, condo, life, motorcycle, RV, boat, and commercial insurance.
We represent many top rated insurance companies in order to provide you a broad range of options to fit your individual needs. With all you have to juggle in your life, you deserve to know that the things you value are protected.
One Agency | Multiple Companies
More Choices | Superior Customer Service
Your Insurance Policy Customized For Your Lifestyle.
Our Independent Insurance Agents are able to get you multiple quotes from different providers so that you can get the best policy and coverage at the best price.
Homeowners Insurance
Home insurance, or homeowner’s insurance, is a type of property insurance that covers your home along with everything you keep inside. Home insurance Fort Worth TX uses a combination of different personal insurance protections, which makes it a valuable option to consider when you want to protect the things you value.
Auto Insurance
From our office in Fort Worth, Texas, we begin by offering you auto insurance quotes from multiple companies with excellent track records. We offer discounts and price advantages tailored to reflect your individual needs providing you auto insurance that’s priced to meet your budget as well as the auto insurance protection you deserve. We offer a wide range of coverage’s and discounts.
Life Insurance
From our office in Fort Worth, Texas we will help you determine the type and amount of life insurance that best fits your families need whether you are a growing family, a single parent, or in a transitional phase of life. We offer Term Life, Universal Life and Whole Life insurance policies.
Condominium Insurance
Condominiums require a special type of homeowner’s insurance. Condominiums are insured differently than typical homes or apartments. In general, the outside of the building is insured by the condo association, while the unit owner bears the responsibility for covering the inside.
Commercial Property Insurance
If you are a small business owner looking for general liability or commercial property insurance you have come to the right place. From our insurance office in Fort Worth, Texas we offer many types of policies from a select group of companies. We understand that as a small business owner, you are the salesperson, customer service representative, human resources manager, computer technician and bookkeeper.
Umbrella Insurance
Umbrella Insurance policies provide coverage of $1 million or more to protect you in the event you are sued for a car accident or injury related to your property.
Why Choose James Little Agency?
As Your Independent Insurance Agent:
- We are a licensed professional with strong customer and community ties.
- Unlike captive or telephone agents, we are not beholden to any one company; therefore, you don’t need to change agencies as your insurance and service needs change.
- We will assist you with any questions if you have a claim.
- We are your insurance consultant, working with you as you determine your needs.
- We are a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.
- We offer one-stop shopping for a full range of products – home, renters, auto and commercial.
- We will periodically review your coverage to keep up with your changing insurance needs.
- We will treat you like a person, not just another number.
- Customer satisfaction is the key to an independent agent’s livelihood. So, serving you is our most important concern.
Learn More about Insurance in DFW
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Protecting what you care about.
Bundling your life, auto and home insurance is a great way to save money while taking care of your loved ones and property.
The benefit of working with a local agent is that we go out of our way to make sure that you get the best coverage for your budget. Contact us today to get quotes from over a dozen insurance providers and choose which plan works best for you!
Frequently Asked Questions
We get all sorts of crazy questions from our clients. Looking for answers about your insurance policy? You’re not alone.
Q
Will our homeowners insurance pay for my husband breaking his ankle on our stairs?
A
No. Homeowners medical coverage is only for those outside of your household.
Q
Will homeowners insurance cover damage from an uninsured motorist driving there car into your house?
A
Yes, homeowners insurance does cover a car crashing into your house. Damage caused by vehicles to your house is listed as a covered peril on standard home insurance policies.
Q
Can my insurance company cancel my homeowners insurance because my house is empty?
A
Yes, it’s possible. Unoccupied homes can be hard to insure because they can easily fall into disrepair or be targeted by vandals, making your home too much of a risk for your homeowners insurance company.
Most home insurance companies have rules about how long a home can be vacant or unoccupied before the insurance is canceled. Typically 30 to 60 days depending of the carrier.
Q
Will homeowners insurance cover Items that were stolen from my garage if I left it open?
A
Yes, the property stolen out of your garage should be covered by your homeowners policy’s content insurance. For any theft claim, you will need to make a police report of the theft and pay your deductible.
Q
One of my trees fell into my neighbor’s yard. It did not cause any damage. Do I need to call my home insurance company to file a claim?
A
No, Generally you file a claim with your own home insurance company if a tree falls and damages your property — no matter where the tree came from. So if the tree caused damage in your neighbor’s yard, your neighbor would file a claim with his own insurance company.
The neighbor’s insurer could come after you and your home insurance company, though, if there were signs you neglected caring for the tree, and this led to its fall.
Secondly, home insurance typically does not cover the removal of fallen trees if they don’t damage property. To qualify for a claim, the tree must have damaged a structure covered by the policy. An exception is sometimes made if a tree blocks a driveway or a wheelchair ramp for accessing the house.
What if the tree had caused damage to your neighbor’s house? In that case, your neighbor’s home insurance policy would pay for the damage, minus the deductible, and the cost of removing the tree up to a specified limit.
Q
Should you carry an umbrella insurance policy?
A
It’s worth considering if you have valuable assets to protect. Umbrella insurance provides extra liability protection above the limits of your car and home insurance policies. It covers damage claims that you, your dependents or your pets cause to others, and it kicks in once claims exceed your home insurance and auto insurance liability limits.