About

Our mission at Rani Alfers Insurance Agency.

Rani Alfers Insurance Agency takes a team-based approach to help you navigate the complex insurance world, so you can take advantage of the varied educational interests, experiences, and strategies among our professionals.

By the numbers.

In more ways than one, insurance is a numbers game. Rani Alfers Insurance Agency has the experience and expertise to properly protect your business or family for years to come.

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Insurance Products

White glove concierge service.

One of the biggest differences between Rani Alfers Insurance Agency come when you need it most – when you have a claim. Our goal is to make you whole. Our team will be there to walk you through the process, give you advice, and answer any questions you may have. We bring you full circle to replace or repair the things that mean most to you.

Service beyond the sale.

Our team is proactive in making sure your needs are met long after the sale of a policy. We serve our clients’ needs with policy changes, payments, and renewal reviews, as well as assisting them when they need to file a claim.

Easy access. Easy purchasing.

Our team is easily accesible at all times. We can be reached the way you want to communicate. Over the phone, text or email. We also provide you with empowering tools like our online customer portal or smart phone app where you can review your policies, print ID Cards and make change requests.

We can bind coverage a few different ways. Either in the office or via eSign where we email you the application to review and sign on your desktop or mobile device.

More options.

We belive having higher limits of coverage is the best way to play “defense” with your finances and assets. The days of minimal coverage protecting you from a potential claim situation are over. We suggest higher limits of coverage for two reasons:

1. The differnece in doubling or quadrupling your coverage is generally low in cost.

2. Having enough coverage protects you from a potential lawsuit.

With many different A-rated options to choose from, we can find a superior product at an affordable rate.

24/7 policy service.

Our state-of-the-art portal allows businesses to locate, purchase, and manage specialized insurance policies quickly. Weeks-long waiting periods and stacks of paperwork are officially obsolete.

Request Changes

Report a Claim

Request Certificates

Manage Account

Get access to everything you need to manage your insurance policies

Follow us out on Instagram.

☀️ The sunshine’s out and so are the jet skis, trampolines, and pools.
They make summer more fun but they can also increase your risk.

And if something goes wrong, your current policy might not be built to handle it.
Summer extras like these often fall into gray areas of coverage and if a guest gets hurt or property gets damaged, you could be on the hook.

The fix?
A quick coverage check to make sure you’re protected before the next backyard party or lake day.

📩 Drop “QUOTE” and we’ll help you make sure your coverage is built for backyard fun and real-life mishaps.
Your backyard isn’t just for grilling and gathering. It’s also where real risks live.

Summer hosting feels easy, until someone takes a fall on your property or gets injured around your patio setup.

Homeowners often assume they’re automatically covered… but not all policies include the right personal liability protection.

If you’re inviting friends and family over, make sure your coverage shows up too.

Because one unexpected mishap shouldn’t cost you more than a few burgers and hot dogs.

🧠 Ever had something go wrong at a summer get-together?

Comment “QUOTE” and let’s make sure your policy would actually protect you if it did.
🍔 Your backyard BBQ isn’t just about burgers and sunshine.
It could come with a side of unexpected liability.

A real story:
One summer grill-out turned into thousands in fire damage after flames jumped to the neighbor’s fence. The catch? Their policy didn’t cover it.

Here’s what made the difference:
✅ Grill was too close to the fence
❌ No extended liability coverage
😬 No umbrella policy for backup
Texas summers bring the heat — but your policy should be ready before things spark.

🧠 Not sure what your homeowners insurance actually covers?
Comment “Secure” in the comments or DM us for a quick review and peace of mind.
🎉 Hosting a summer party?
Here’s one thing your guests won’t think about — but you should.

Let’s say someone slips near your pool… or drinks too much and leaves and injures someone else in a car accident. What happens next? You could be held personally liable for accidents — even when it feels out of your control.

That’s where personal liability coverage comes in.
From slip-and-falls around the pool to unexpected injuries, this coverage can protect you from the kind of claims that turn one fun night into a legal nightmare.

This summer, don’t just stock the drinks.
Make sure your coverage is ready for summer too.

💬 Comment “SECURE” and get a fast, clear look at how protected you really are.
✈️ Borrowing a friend’s car while traveling? Here’s the part most people miss:
If you get into an accident, their auto insurance pays first — not yours.

But if their policy doesn’t fully cover the damages? You could be stuck paying the rest.
We’ve seen it happen — quick errand, small fender bender... surprise bill for thousands. 😬
Whether you’re borrowing or lending, a quick policy review can save a whole lot of stress.

👇 Comment "POLICY" below and we’ll help you skip the fine print and get straight to what matters before you hit the road.
🌳 A tree just crushed your neighbor’s car.
But it came from your yard.
Now what?

Texas storms don’t give warnings — and neither do the claims that follow.

✅ Here’s the truth:
You aren't responsible for mother nature. -However-

If your tree was dead or poorly maintained (you could potentially be stuck footing the bill (and explaining it to your neighbor 😬).

Don’t wait to find out the hard way.
We’ll help you review your policy so you're covered when it counts — not just when it’s convenient.

💬 Comment “SECURE” and we’ll help you double-check your protection before the next big storm rolls through.
💧 Sprinklers leak. Pipes burst. Your home gets soaked.

And if your coverage isn’t current, you could be left footing the bill for thousands in repairs.
In Texas, water damage is one of the most common home insurance claims. But what most people don’t realize?

➡️ Depreciation, exclusions, or outdated policy terms can drastically limit your payout.

If you’ve upgraded your home (especially flooring), it’s worth asking:
Would your current policy actually cover it?

👇 Comment “QUOTE” for an instant, tailored policy with potential savings so a leak doesn’t turn into a disaster.
He’s part of the family.
Your couch buddy. Your walking partner.
He’s never shown aggression — until the day he did. 😞

Texas sees hundreds of dog bite claims every year, and even the calmest pups can react when they’re startled, scared, or protecting their turf.

The result?
Lawsuits. Medical bills. Denied claims. And in some cases, homeowners didn’t even know their insurance excluded coverage based on dog breed.

You can’t always control what happens.
But you can control how prepared you are.

Let’s make sure your policy protects you, your pet, and everyone who steps foot on your property.

📩 Comment “PROTECT” and we’ll check your coverage — quickly, clearly, and with your best friend in mind.
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Securing your future, one policy at a time.

Our commitment to personalized service and local expertise sets us apart, ensuring you receive the care and coverage you deserve.