Auto Insurance Save hundreds of dollars with trusted companies.  We'll find an auto policy that fits your needs without the extra cost.

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Home Insurance Homeowners with South Texas Insurance Services enjoy services built around family values.  Trust us with your homeowners policy, and we'll make sure your property is properly insured.

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Commercial Insurance Commercial Insurance requires experienced agents who understand your business.  With over 25 years experience, you can trust that we're a fit for your business needs!

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Crop Insurance Let us protect your crop against losses due to natural disasters, such as hail, drought, and floods, or the loss of revenue due to declines in the prices of agricultural commodities. 

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* * * *
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$62 *per month
1 Driver
Compact Car
Full Coverage
$500 Deductible
*Subject to Underwriting
$80 *per month
Less than 10 years old
Wind, Hurricane, and Hail
1% Deductible
*Subject to Underwriting
* Coverages Vary
General Liability
Professional Liability
Business Owners Policy
Commercial Property
Commercial Auto
* Coverages Vary
Crop & Rainfall
Motorcycle & Boat
All-terrain Vehicle
Kidnap & Ransom
Builders Risk

STIS Recommends: Flood Insurance

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Flood, as a peril, can be one of the most devastating losses we face as homeowners.  Most notably, flood is increasingly overlooked by buyers during the purchase of their new home, which means most of you reading this are not likely covered against a flood loss.  This is the case because flood is not traditionally covered under a homeowners insurance policy, and a lender does not require flood insurance unless the home is located within a predetermined flood zone.  Regardless of the determination, rain and overflow of water do not decide to limit themselves because of your address, leaving many of you vulnerable to severe loss and damage to your home due to flood waters.


Now that we have your attention, it is not too late!  There are benefits to those of you who are not located within a flood zone.  Given that you're chance of flooding in any given year is less than 1%, you can enjoy cheaper rates!  I know what you're thinking, "Less than 1% in any given year!! There's no way I should have to worry."  Less than one-percent actually means that during a 30-year fixed mortgage, the likelihood of flooding is under 30%.  Looking at last years average as reported by FEMA, the months of August, October and November produced flood claims that were anywhere from $40,000-55,000 in damages, making it more important than ever that you protect yourself against the hazards of flooding.

Why now?  The flood program has a mandatory 30-day waiting period, unless you are newly purchasing the property, or rolling over coverage from a previous flood policy.  Taking action as a homeowner is the most important step in the process.  We strongly encourage you to take action by submitting a request for a quote, or calling one of our Insurance Agents at (956) 618-3535 to discuss your options. 

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Main Location:
South Texas Insurance Services
3911 N 10th St., Suite J
McAllen, Texas 78501
Ph: 956-618-3535
Toll Free: 800-218-3538
Fax: 866-344-2957

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