Your agency protects patients. We protect your agency.
Young's Insurance Agency is a specialized insurance advisor for Home Health Agencies in Houston and across Texas. We understand your regulatory world, your staffing risks, and the coverage gaps that keep agency owners up at night.
We've chosen to go deep where it matters most — so when you talk to us, you're not explaining your world from scratch.
Your caregivers work in environments you don't control, serving vulnerable patients under intense regulatory scrutiny. A single abuse allegation, medication error, or auto accident can threaten everything you've built. We specialize in protecting agencies like yours — $1M to $5M in revenue, navigating growth, compliance, and staffing risk every day.
Explore HHA Coverage →Protecting Houston families since 1980. Homeowners, auto, flood, landlord, and rental property coverage — with deep knowledge of Gulf Coast wind/hail, flood zones, and the Texas FAIR Plan.
General commercial coverage for small businesses in the Houston metro. General liability, commercial property, BOP, and workers' comp — with the independent market access to find the right fit.
Most agents treat home health agencies like any other small business. We don't. We understand the regulatory landscape, the staffing models, and the coverage gaps that are unique to your industry.
We know TAC 558, HHSC licensing requirements, AlertMedia mandates, and the difference between W-2 and 1099 staffing risk. Your coverage should reflect that.
We audit your current program for the gaps that matter: Abuse & Molestation with sub-limits, professional liability exclusions, HNOA blind spots, and tail coverage exposure.
We place HHA risks with carriers who actually want them — PHLY, Manchester Specialty, Amwins HHC Program — not generalist markets that price you out or exclude key coverages.
We don't disappear after binding. We help with compliance documentation, loss control recommendations, and renewal strategy — functioning as your outsourced risk department.
Second-generation, Houston-rooted. We've survived every hard market, hurricane season, and industry shift — and we'll be here for your next renewal.
When a caregiver has an incident at 3pm on a Thursday, you need your agent to pick up. We return calls and emails the same day — period.
Getting proper HHA coverage shouldn't feel overwhelming. Here's what to expect.
We learn about your agency — services, staffing model, revenue, patient population, and current coverage. No forms or quote requests — just a conversation.
We analyze your exposures against your current program, identifying gaps and areas where you may be over-insured or under-insured.
We shop your risk across HHA-specialized carriers to build a program that covers what matters — at a price that works.
Claims advocacy, compliance support, renewal strategy, and proactive coverage reviews as your agency grows.
"Mr. Lummie Young is a very knowledgeable, professional, prompt and courteous agent and I feel so fortunate to have him as my homeowners insurance agent. He has been my insurance agent for more than 20 years and I truly appreciate all of his expertise and guidance."
"Your agency is great, they help me with my insurance, seeking the lowest cost and best coverage. When I call, they answer all my questions, and help me with any issues I have. I would suggest this agency to anyone."
"Mr. Young and his team are helpful. They always answer my questions and get back to me in a timely manner. I am completely satisfied with the service they have given me over the years."
"They always return calls or emails in a timely manner. They are courteous and always ask if there is anything they can do to help! Awesome service."
Don't see your question? Just reach out — we're happy to explain anything.
Ask Us Directly →Whether you're looking for a second opinion, starting a new agency, or just want to make sure you don't have gaps — we're here. No quote forms. Just a conversation.