Insuring Home | Auto | Commercial | Flood | Farm and Ranch | Boats and RV


The coverage you have depends on the policy you have. There are many options, including: Basic (Good), Broad (Better), Special Forms (Best). All homeowners are package policies. You get a set of coverages rolled into your policy for one total premium. They include coverage on your home, contents and liability protection. There is no better way to understand your homeowner policy than to review it with your agent. We suggest you look over your current policy and find the sections that correspond to the following explanations:

A typical policy will include:

  1. Declaration Page- declares who, what and how much you are insuring, along with effective and expiration dates.
  2. The Policy Booklet- details of coverage and exclusions.
  3. Endorsements- separate pages, usually with endorsement numbers, that change specific parts of the policy.

To keep the cost of insurance down, your policy may have limits on certain items, such as:

  • Cash- $100
  • Jewelry- $1,000
  • Firearms- $2,500

If you feel you don't have enough coverage, please contact us. We can quote the policy to increase those limits.

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Keeping Promises One Client at a Time

" The response time from First Founders is exceptional as well as the cost savings that I received. I only wish that I would have met Lacie sooner. "Al Elizondo

" They are the best agents you could ever work with! They go beyond anyone I’ve ever had, checking to save you money. Keeping up with your insurance needs. I cannot praise them enough! They are the best. "Barbara Street

" I was referred to First Founders by several friends and I was very impressed! The customer service is superb and the rates are very reasonable, Lacie and everyone in the office went above and beyond and that is very important these days. I will highly recommend First Founders Insurance to anyone looking for Insurance. Keep up the great work! "Jameelah Uthman

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Independent Agent vs. Captive Agent

An Independent Agent can obtain insurance quotes from a variety of insurance companies to give their clients the best coverage and cost available. In the event an insurance company was to cancel or refuse to renew a policy, the Independent Agent can look for the exact same coverage with another carrier without the client having to find another agent.


A Captive Agent is a person who represents only one insurance company and is restricted by agreement from submitting business to any other company unless it is first rejected by the agent's captive company. Therefore, they are restricted.

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