Houston's Independent
Insurance Advisors
Xero Independent Agents is a full-service independent insurance agency headquartered in Houston, Texas — proudly serving individuals, families, and businesses throughout the Lone Star State.
Built on Independence. Driven by Your Best Interest.
Xero Independent Agents was founded on a straightforward idea: Texans deserve insurance advice from someone who works for them — not for a single carrier. As an independent agency, we're not tied to any one company, which means every recommendation we make is driven entirely by what's right for you.
Headquartered in Houston with multiple locations across the greater Houston area, we've spent over 15 years building deep expertise in the risks that matter most to Texas families and businesses — from Gulf Coast weather exposures to the complexities of Texas commercial property and liability law.
We start every client relationship with a clear, no-obligation review of your current coverage and exposures. From there, we present tailored options that balance protection and price — then stay with you through policy placement, claims, and annual reviews as your needs evolve.
15+
Years Serving Texas
Full-Service Coverage for Texas Families & Businesses
From your home and vehicles to your commercial property and employees, we provide comprehensive insurance solutions across all major lines — all under one roof.
The Xero Difference
Independent Advice
We represent multiple top-rated carriers — not just one. That independence means every recommendation we make is driven by what's best for you, not by a company quota.
Deep Local Roots
With multiple offices across the greater Houston area, we understand the unique risks, regulations, and weather exposures that come with living and doing business in Texas.
Full-Service Support
Our relationship doesn't end at policy placement. We're with you through claims, annual reviews, and every coverage change your life or business brings.
Focus on Value
We deliver practical recommendations that protect your assets without unnecessary cost — finding the right balance of coverage and price from the carriers we represent.
Licensed Advisors Who Know Texas
Our team of licensed professionals brings decades of combined experience in Texas insurance markets — and a genuine commitment to every client we serve.
Michael Torres
Founder & Principal Advisor
With over 15 years in the Texas insurance market, Michael founded Xero with a simple belief: clients deserve unbiased advice from someone who works for them, not a carrier.
Sandra Reyes
Senior Personal Lines Advisor
Sandra specializes in personal lines coverage for Texas families — helping clients find the right home, auto, and life policies to protect what matters most.
Angela Kim
Commercial Lines Specialist
Angela brings deep expertise in commercial insurance, building custom coverage programs for small businesses, contractors, and property owners across Houston.
Headquartered in Houston.
Serving All of Texas.
With multiple office locations across the greater Houston area, we combine the convenience of a local agency with the reach to serve clients throughout the entire state of Texas. Whether you're in the Houston metro, the Hill Country, or the Panhandle — we've got you covered.