Home | Auto | Flood | Renters

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We are Houston's #1 Insurance Agency
Home:      Auto:       Renters:      Flood:

We promise your details are secure with us.

We are Part of the Mobile Housing of Texas Umbrella
Mobile Housing of Texas
Americasa Communities
MHOT Financial
MHOT Transport

Key Features:

MHoT Insurance is ready to help your family with a wide variety of insurance products!

One-Stop Shop

tickObtain policies for all your coverage needs in one place.

Financing Available

tickFinance your premiums with MHOT.

Saving you Money Every Year

tickWe offer assistance shopping at every renewal to find the most competitive pricing.

Top Customer Service

tickOur agents provide top-of-the-line customer service.  It's our main mission every day!

Agent - Stella Rodriguez

Office Hours:
Monday-Saturday 9am - 6pm

(832) 770-4911

Contact Stella via Email

Our Insurance Services

At MHoT Insurance, we help our customers buy affordable home insurance and can help you save more money with a combined auto policy. Our best-in-class insurance products are key to peace of mind and coverage for the unthinkable.

We believe in providing top-of-the-line customer service!

Auto Insurance


File Claims Fast and Easy

Home insurance


Full Coverage Home Insurance

Renters Insurance


Renters Insurance

Flood Insurance


Flood Insurance

Easy Payments

Easy Payments

In-person or Online Options Available

Insurance Discounts


Combine Discounts for Multiple Policies

Come See Us in North Houston!

Monday-Saturday 9am - 6pm

Office Address:

1129 Ralphcrest Dr
Houston, TX 77039

Why MHOT Insurance?

Flood Protection
A 2015 poll by the Insurance Information Institute found that only 14% of American homeowners had a flood insurance policy. However, in the Atlantic Coast region alone, there are approximately 2.4 million homes at risk, valued at more than $793 billion. Among the most densely populated metropolitan areas, the New York City metro area, which includes Long Island and the New Jersey coast, has the highest exposure to potential storm surge damage ($206 billion). The next four areas in terms of exposure were Miami ($100 billion), Virginia Beach ($73 billion), Tampa ($55 billion) and New Orleans ($43 billion). The lesson here is, don't underestimate the hurricane season!

Homeowner Claims
Homeowners claims related to wind or hail are the most frequent; the costliest are related to fire, lightning or debris removal. About one in 15 insured homes have a claim each year. Before filing a homeowners insurance claim, it's important to understand your duties and rights as a policyholder during the claims process. How you handle the claims process on your end could have a strong impact on the resolution of your claim.

Home Inventory
On average, only 48% of homeowners said they prepared an inventory of their possessions to help document losses for their insurers. Having a well organized inventory of your home's contents can make a big difference in how you will be reimbursed for these items. When was the last time you did a home inventory?

Hurricane Harvey Statistics

Hurricane Harvey Statistics

Harvey Claim Payouts # of Paid Losses Amount Paid Average Paid Loss
AL, AR, FL, GA, KY, LA, MS, NC, TX 75,749 $8,719,000,000 $115,104

Frequently Asked Questions

You have questions... we have answers!


How much time does it take to settle my claim ?

There are lots of documents which have to be submitted in case of theft insurance. The claim is paid one month after the submission of the FIR.


Is my payment accepted immediately ?

If you make a payment online, by phone we will accept your payment immediately. If you have automatic payments set up, your payment will be accepted on the regularly scheduled date.


Why should I choose Jr. Car ?

Since 1990 Jr. Car Insurance has provided car insurance to customers across the country. Today, we're one of the largest auto insurance groups in the country.


Will the claim affect my renewal ?

In case, you file a claim for any kind of damages during the insured period at renewal, you will lose all the NCB that you have accrued over the years.