Coverage That Works For You, Not Against You
Buying insurance shouldn't feel like a gamble. As a fully independent agency, we shop 30+ carriers on your behalf and translate the fine print into plain English — so you get the right protection at the right price, from a local team that knows your name.
Most people don't really know what they're paying for — until something goes wrong. That's not your fault. It's how the industry is built.
Overpaying and unsure
One-carrier agents can only sell you their price. You're left wondering if you're covered — or just charged.
Hidden gaps
The cheapest policy often hides the biggest holes. You find out at the worst possible moment — after a claim.
Just a policy number
Call centers and 1-800 numbers don't know you, your family, or your business. When you need help, you're on hold.
You deserve an agent who works for you — not the insurance company. That's exactly what we do.
Most agents work for one company. We work for you — comparing dozens of carriers to find coverage that actually fits your life.
Real Choice
We compare rates from 30+ companies to find the right fit — no more haggling with a single carrier.
Plain-English Advice
We've seen nearly every coverage situation, and we tell you the truth about what you actually need.
Locally Rooted
We live and work in Nacogdoches. We know the community — because they're our neighbors.
Personal Service
No hold queues. No call centers. You'll always reach a real agent who knows your name.
Real Savings
Independent agents consistently find lower rates. We negotiate on your behalf, not theirs.
Claims Advocacy
When you have to use your insurance, we're in your corner — guiding you through every step.
Three easy steps — and a local team doing the heavy lifting for you.
Tell Us What Matters
Share what you need protected. It takes just a few minutes, online or over the phone.
We Shop 30+ Carriers
We compare coverage and price across dozens of companies, then bring you the best options.
You Get Peace of Mind
Choose your coverage with confidence — and know we're here whenever you need us.
Personal, commercial, or somewhere in between — we have the carriers and products to cover it all.
Homeowners
Dwelling, contents & liability protection for your most valuable asset.
Auto Insurance
Personal and commercial vehicles across all major carriers.
Business Owners
BOP policies combining property, liability & income protection.
Contractors
General liability, tools & equipment, and surety bonds.
Flood Insurance
NFIP and private flood options for East Texas properties.
Boat & Watercraft
On-water liability, hull coverage & towing.
Farm & Ranch
Coverage tailored for rural East Texas farms and ranches.
Umbrella
Extra liability protection above your existing policy limits.
At Koonce Insurance Group, we believe insurance should be straightforward — honest advice, real savings, and a team that treats you like a person, not a policy number.
As a fully independent agency, we're not beholden to any single insurance company. That means we always put your best interests first, comparing rates across dozens of carriers to find exactly what fits your situation.
"Switching to Koonce was the best insurance decision I've made. They saved me over $800 a year on my home and auto bundle and actually explained what I was getting."
"When I had a claim, the Koonce team walked me through everything and made sure I got everything I was entitled to. Truly above and beyond."
"As a small business owner I was paying way too much for coverage I didn't understand. Koonce got me properly covered at a lower price. Couldn't recommend them more."
Get a no-pressure, no-obligation quote in minutes. Our local team is standing by.