Personal Lines

How it all began

FRED RHODES & CO. is a Houston- based independent insurance agency established in the early 1900’s. We have clients who have been with our agency for four generations because of our philosophy that puts the customers’ needs first. Our experienced insurance agents provide creative and cost-effective solutions that are customized to meet each client’s unique insurance needs.

Our agency offers an extensive list of (A) rated insurance companies and products for virtually any industry. If you are looking for a full-service insurance agency to handle your business and personal insurance solutions, Fred Rhodes & Co. is your answer.

our Employee benefits

Insurance Made for Employees First


Homeowners insurance is made up of coverages that may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home.

Farm & Ranch Owners

Offers protection for your home and possessions against fire, lightning, windstorms, hail and most accidental losses, including vandalism and theft. Farm personal property coverage. Provides protection for your livestock, feed, machinery and equipment.

Valuable Items

This provides extra coverage for your most valuable items such as jewelry, furs, silverware, china, and crystal.

Personal Automobiles

An auto insurance policy will cover you and other family members on the policy, whether driving your car or someone else’s car (with their permission). Your policy also provides coverage to someone who is not on your policy and is driving your car with your consent. Personal auto insurance only covers personal driving.


Boat insurance covers you in the event of a loss or damage to your boat. It covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts. Boat insurance does not usually cover canoes, kayaks or personal watercrafts (PWCs).

Personal Umbrella

An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s home, auto or watercraft insurance. It provides an additional layer of security to those who are at risk of being sued for damages to other people’s property or injuries caused to others in an accident.


Flood insurance usually is a separate policy designed to help protect your home and belongings if they are damaged in a flood. Standard property insurance policies, such as homeowners insurance, typically do not cover flood damage.

Get an Insurance Estimate Today

Please reach out with questions or comments using the information below.
We look forward to hearing from you.

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