713-270-7400 obihbrokerage@sbcglobal.net 9920 S Gessner Rd, Houston, TX 77071
Best Insurance Agency in Houston 77071 — 2026
Independent Licensed Insurance Broker

Protecting Houston Families & Businesses With Coverage You Can Afford

At OBIH Brokerage, experience has no substitute. As an independent broker with multiple insurance companies, we shop the market for you and fit you with the right coverage at a price you can afford.

Get a Free Quote 713-270-7400
  • Auto, Home, Life & Health
  • Bonds & Commercial
  • Medicare for Seniors
22+Insurance & Bond Solutions
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$29Auto Insurance Starting Rate*
2026Best Insurance Agency Award
Nick Obih, Licensed Insurance Broker
Broker shaking hands with a client
Nick Obih Licensed Insurance Broker
About OBIH Brokerage

Experience Has No Substitute

OBIH Brokerage & Services Insurance is a full-service, independent insurance agency serving Houston and all of Texas from our office at 9920 S Gessner Rd. Led by licensed broker Nick Obih, we protect what matters most: your family, your home, your health, your business and your future.

Unlike captive agents who can only offer one company's products, we are an independent broker working with multiple insurance companies. That means we work for you, not the insurance company. We compare coverage, price and service across carriers, explain your options in plain language, and fit you with what you can afford.

From a first car to a growing company, from a young family's first life policy to a senior's Medicare choice, we give every client the same personal, one-on-one attention. That commitment earned us the BusinessRate “Best of 2026” award as the Best Insurance Agency in Houston, 77071.

Personal Service

Talk to a real, licensed broker, not a call center.

Multiple Carriers

More choices mean better coverage and better prices.

Budget-Friendly

Plans for every budget, with every discount applied.

Claims Advocacy

We stand by you when it matters most, at claim time.

Explore Our Services
Our Services

Complete Insurance & Bond Solutions Under One Roof

Come in for your auto, home, apartment, condominium or group home insurance, and much more. Pick a category below to find the coverage that fits your life or business.

Auto Insurance Homeowners Insurance Apartment (Renters) Insurance Condominium Insurance Rental Property (Landlord) Insurance Flood & Inland Marine Insurance Group Life & Individual Life Insurance Health Insurance: Group & Individual Family Long-Term Disability Senior Market Medicare Final Expense & Mortgage Protection Family Wills & Allocation of Wealth International Insurance Business Owners Policy (B.O.P.) Commercial Insurance Home Care, Day Care & Security Company Insurance Group Home Insurance Practices Liability Cyber Liability Workers' Compensation Fidelity, Dishonesty & Surety Bonds Auto Dealer Bonds
Auto Insurance Home & Auto

Auto Insurance

Whether you commute on the Southwest Freeway, carpool the kids to school, or drive a work truck every day, your vehicle is one of your most important assets. As an independent broker, we compare policies from multiple insurance companies side by side, so you get the protection Texas law requires and the extra coverage your family needs, at a price you can afford. Coverage starts from as low as $29 a month.*

What's Covered

  • Liability coverage for bodily injury and property damage, from Texas minimums to high limits
  • Collision and comprehensive coverage for accidents, theft, hail, flood and vandalism
  • Uninsured and underinsured motorist protection
  • Personal Injury Protection (PIP) and medical payments
  • Rental reimbursement, towing and roadside assistance
  • SR-22 filings, high-risk, young and first-time drivers
  • Multi-car, safe-driver and home and auto bundle discounts

Ideal for: Individual drivers, families with teen drivers, rideshare drivers, classic and luxury vehicle owners, and anyone needing an SR-22.

Get a Auto Insurance Quote
Homeowners Insurance Home & Auto

Homeowners Insurance

Your home holds your memories, your savings and your future. Houston homeowners face real risks: Gulf Coast windstorms, hail, fire, burst pipes and theft. We build a homeowners policy around the true replacement cost of your home, not guesswork, and look for every discount available to keep your premium manageable.

What's Covered

  • Dwelling coverage to rebuild or repair your home
  • Other structures such as detached garages, fences and sheds
  • Personal property, with replacement-cost options
  • Additional living expenses if your home becomes unlivable
  • Personal liability and medical payments to others
  • Windstorm and hail coverage for Gulf Coast weather
  • Endorsements for water backup, jewelry, electronics and more

Ideal for: First-time buyers, established homeowners, homes with a mortgage, and families wanting to bundle home and auto.

Get a Homeowners Insurance Quote
Apartment (Renters) Insurance Home & Auto

Apartment (Renters) Insurance

Your landlord's policy covers the building, not your belongings or your liability. Renters insurance is one of the most affordable policies you can buy, and it protects everything you own, from furniture and clothing to laptops and phones. Many Houston apartment communities require it as part of your lease, and we can get you proof of coverage quickly.

What's Covered

  • Personal belongings protected against fire, smoke, theft and water damage
  • Liability protection if a guest is injured or you accidentally damage the unit
  • Additional living expenses if a covered loss forces you to move out
  • Coverage for your belongings away from home, in your car or while traveling
  • Proof of insurance to satisfy lease requirements

Ideal for: Apartment renters, students, young professionals, and families leasing a home or townhouse.

Get a Apartment (Renters) Insurance Quote
Condominium Insurance Home & Auto

Condominium Insurance

Your HOA's master policy usually stops at the walls. Everything inside, including your flooring, cabinets, upgrades and personal property, is your responsibility. A condo (HO-6) policy fills that gap. We review your association's bylaws and master policy so your coverage lines up with it, without gaps or overlaps.

What's Covered

  • Interior walls, fixtures, flooring and improvements ("walls-in" coverage)
  • Personal property and valuables
  • Loss assessment coverage for your share of HOA special assessments
  • Personal liability and medical payments
  • Loss of use and additional living expenses
  • Coverage that works alongside your HOA master policy

Ideal for: Condo and townhome owners, and investors who rent out condominium units.

Get a Condominium Insurance Quote
Rental Property (Landlord) Insurance Home & Auto

Rental Property (Landlord) Insurance

A standard homeowners policy is not designed for a home you rent to others. Landlord insurance protects your investment property, your rental income and your liability as a property owner. Whether you own one rental house or several units, we help you protect the income stream you have worked hard to build.

What's Covered

  • Dwelling fire policies (DP-1 / DP-3) for rental homes
  • Loss of rental income after a covered loss
  • Landlord liability protection
  • Vandalism and malicious mischief
  • Coverage for single-family homes, duplexes and small multi-unit buildings

Ideal for: Real estate investors, accidental landlords, and owners of short- and long-term rentals.

Get a Rental Property (Landlord) Insurance Quote
Flood & Inland Marine Insurance Home & Auto

Flood & Inland Marine Insurance

Houston knows flooding. Most homeowners and renters policies do not cover flood damage, and many flood policies have a waiting period before coverage starts, so don't wait until a storm is in the forecast. We also offer inland marine coverage, which protects valuable property that moves: tools, equipment, and high-value personal items that standard policies limit.

What's Covered

  • Flood insurance for your building and contents, through the NFIP and private flood carriers
  • Coverage for homes both inside and outside high-risk flood zones
  • Inland marine protection for contractors' tools and equipment
  • Goods and property in transit
  • Scheduled coverage for jewelry, fine art, collectibles and musical instruments

Ideal for: Every Houston property owner and renter, contractors, and collectors of valuable items.

Get a Flood & Inland Marine Insurance Quote
Group Life & Individual Life Insurance Life & Health

Group Life & Individual Life Insurance

Life insurance is a promise that the people you love will be taken care of. We help individuals and families choose the right type and amount of coverage to replace income, pay off debts, fund college and leave a legacy. For employers, group life is an affordable benefit that helps attract and keep great employees.

What's Covered

  • Term life insurance: affordable protection for 10, 20 or 30 years
  • Whole life insurance with guaranteed cash value growth
  • Universal and indexed universal life for flexible, long-term planning
  • Group life insurance plans for employers of all sizes
  • Key person and buy-sell funding for business owners
  • No-exam and simplified-issue options for qualified applicants

Ideal for: Parents, homeowners, business owners, and employers building a benefits package.

Get a Group Life & Individual Life Insurance Quote
Health Insurance: Group & Individual Life & Health

Health Insurance: Group & Individual

Healthcare costs can derail any budget. Whether you are self-employed, between jobs, or an employer looking for affordable group benefits, we explain your options in plain language and help you enroll in a plan with the doctors, prescriptions and deductibles that work for you.

What's Covered

  • Individual and family plans, including ACA Marketplace options
  • Help with Open Enrollment and Special Enrollment Periods
  • Small-group health plans for businesses
  • Dental and vision coverage
  • Supplemental plans: accident, critical illness and hospital indemnity
  • Guidance on subsidies and tax credits you may qualify for

Ideal for: Individuals, families, the self-employed, gig workers, and small-to-mid-sized employers.

Get a Health Insurance: Group & Individual Quote
Family Long-Term Disability Life & Health

Family Long-Term Disability

Your ability to earn an income is your greatest financial asset. If an illness or injury kept you from working for months or years, how would your family pay the mortgage and bills? Long-term disability insurance replaces a portion of your paycheck, so your family's lifestyle and savings stay protected while you recover.

What's Covered

  • Monthly income replacement, typically a percentage of your earnings
  • Own-occupation and any-occupation definitions of disability
  • Choice of elimination (waiting) periods and benefit periods
  • Coverage for both illness and injury, on or off the job
  • Individual policies that go with you when you change jobs
  • Group long-term disability plans for employers

Ideal for: Primary breadwinners, single-income households, professionals, and business owners.

Get a Family Long-Term Disability Quote
Senior Market Medicare Life & Health

Senior Market Medicare

Turning 65 or retiring? Medicare can be confusing, with its Parts, plans, enrollment windows and penalties. We sit down with you, one on one, to review your doctors, prescriptions and budget, and help you choose Medicare coverage that fits. Our help costs you nothing, and we are here for you every year after you enroll.

What's Covered

  • Medicare Advantage (Part C) plans
  • Medicare Supplement (Medigap) plans
  • Medicare Part D prescription drug plans
  • Guidance during your Initial Enrollment Period to avoid late penalties
  • Annual plan reviews during the Annual Enrollment Period (Oct 15 – Dec 7)
  • Help for those eligible for both Medicare and Medicaid

Ideal for: Seniors turning 65, retirees leaving employer coverage, and adult children helping aging parents.

Get a Senior Market Medicare Quote
Final Expense & Mortgage Protection Life & Health

Final Expense & Mortgage Protection

Funeral costs can easily exceed ten thousand dollars, and losing a loved one should never mean losing the family home too. Final expense insurance covers burial and end-of-life costs so your family isn't burdened. Mortgage protection insurance makes sure your mortgage can be paid off if you pass away, keeping your family in the home.

What's Covered

  • Final expense whole life policies with smaller, affordable face amounts
  • Simplified-issue policies, often with no medical exam
  • Level premiums that never increase
  • Mortgage protection coverage matched to your loan balance and term
  • Living-benefit riders for critical, chronic or terminal illness
  • Return-of-premium options available with select carriers

Ideal for: Seniors, new homeowners, families with a mortgage, and anyone wanting to spare loved ones financial stress.

Get a Final Expense & Mortgage Protection Quote
Family Wills & Allocation of Wealth Life & Health

Family Wills & Allocation of Wealth

Building wealth is only half the journey. Passing it on smoothly is the other half. We help families organize their financial picture and use insurance-based tools to transfer wealth efficiently, protect heirs and reduce the stress families face after a loss. When legal documents are needed, we work alongside licensed estate-planning attorneys.

What's Covered

  • Legacy planning with permanent life insurance
  • Beneficiary designation reviews across all policies and accounts
  • Annuities for guaranteed retirement income
  • Funding strategies for trusts and inheritance equalization among children
  • Coordination with estate attorneys for wills and trusts
  • Charitable giving strategies using life insurance

Ideal for: Parents and grandparents, business owners planning succession, and families with blended households.

Get a Family Wills & Allocation of Wealth Quote
International Insurance Life & Health

International Insurance

Houston is one of America's most international cities. Whether family members are visiting from abroad, you are traveling overseas, studying internationally, or doing business across borders, we find international coverage that protects you from very high medical bills and emergencies far from home.

What's Covered

  • Visitors-to-USA medical insurance for parents and relatives
  • International travel medical and trip protection
  • Expatriate and global health plans
  • International student health insurance
  • Emergency medical evacuation and repatriation
  • International business and cargo coverage

Ideal for: Families hosting overseas visitors, frequent travelers, expats, international students, and global businesses.

Get a International Insurance Quote
Business Owners Policy (B.O.P.) Business & Commercial

Business Owners Policy (B.O.P.)

A Business Owners Policy bundles the core coverages most small businesses need into one convenient, cost-effective package. Instead of buying separate policies, a BOP combines property, liability and income protection. It usually costs less than buying each coverage separately.

What's Covered

  • Commercial property: building, equipment, furniture and inventory
  • General liability for customer injuries and property damage
  • Business interruption (lost income) after a covered loss
  • Equipment breakdown coverage
  • Optional add-ons: cyber, hired and non-owned auto, employment practices

Ideal for: Retail shops, restaurants, offices, salons, small contractors and service businesses.

Get a Business Owners Policy (B.O.P.) Quote
Commercial Insurance Business & Commercial

Commercial Insurance

Growing businesses face growing risks. From commercial vehicles to umbrella liability, we design commercial insurance programs that protect your operations, employees, customers and bottom line. Because we are independent, we can place hard-to-insure risks with specialty carriers that captive agents cannot access.

What's Covered

  • Commercial general liability
  • Commercial auto and fleet insurance
  • Commercial property and builder's risk
  • Umbrella and excess liability
  • Garage liability and garage keepers for auto businesses
  • Contractors, trucking and specialty trade programs

Ideal for: Contractors, transportation companies, auto dealers and repair shops, property managers, and growing enterprises.

Get a Commercial Insurance Quote
Home Care, Day Care & Security Company Insurance Business & Commercial

Home Care, Day Care & Security Company Insurance

Businesses that care for people or protect property carry unique responsibilities, and unique risks. We specialize in insurance programs for home health and home care agencies, child day care centers, and security guard companies, including the licensing and contract requirements these industries face.

What's Covered

  • Home health and home care agency professional and general liability
  • Child day care center liability, including abuse and molestation coverage
  • Security guard company liability, meeting state licensing requirements
  • Non-owned auto coverage for caregivers who drive to clients
  • Crime and employee dishonesty coverage
  • Workers' compensation for caregivers and guards

Ideal for: Home health agencies, personal care providers, day care centers, and private security firms.

Get a Home Care, Day Care & Security Company Insurance Quote
Group Home Insurance Business & Commercial

Group Home Insurance

Group homes, assisted living residences and residential care facilities provide life-changing care, and they need insurance built for that mission. We protect your property, staff and residents with coverage designed for residential care operators, and help you meet state licensing and contract requirements.

What's Covered

  • General and professional liability for residential care
  • Abuse and molestation liability
  • Property coverage for the residence and contents
  • Commercial auto for transporting residents
  • Workers' compensation for caregivers and staff
  • Crime and employee dishonesty coverage

Ideal for: Group homes, assisted living residences, adult foster care, and residential care facility operators.

Get a Group Home Insurance Quote
Practices Liability Business & Commercial

Practices Liability

One lawsuit can threaten everything you have built. Practices liability protects professionals and employers from claims arising out of the services they provide and the way they manage employees. We protect medical practices, nurse practitioners, consultants and employers of every size.

What's Covered

  • Medical malpractice for physicians, nurse practitioners and healthcare providers
  • Professional liability / Errors & Omissions (E&O)
  • Employment Practices Liability (EPLI): wrongful termination, discrimination, harassment
  • Directors & Officers (D&O) liability
  • Legal defense costs, settlements and judgments

Ideal for: Doctors, nurse practitioners, clinics, consultants, real estate professionals, and any business with employees.

Get a Practices Liability Quote
Cyber Liability Business & Commercial

Cyber Liability

Small businesses are now prime targets for hackers, ransomware and email fraud. A single data breach can cost tens of thousands of dollars in forensic investigations, customer notifications and lost business. Cyber liability insurance gives you the funds and expert response team to recover fast.

What's Covered

  • Data breach response: forensics, notification and credit monitoring
  • Ransomware and cyber extortion
  • Business interruption from a cyber attack
  • Social engineering and funds transfer fraud
  • Third-party liability for compromised customer data
  • Regulatory defense, including HIPAA-related matters for healthcare providers

Ideal for: Medical offices, retailers, professional firms, and any business that stores customer data or accepts card payments.

Get a Cyber Liability Quote
Workers' Compensation Business & Commercial

Workers' Compensation

Your employees are your greatest asset. Workers' compensation pays for medical care and lost wages when an employee is hurt on the job, and it protects your business from costly lawsuits. In Texas, workers' comp is optional for most private employers, but many contracts, general contractors and government jobs require it. We help you make the right decision and find competitive rates.

What's Covered

  • Medical expenses for work-related injuries and illnesses
  • Lost wage replacement for injured employees
  • Employer's liability protection
  • Return-to-work and safety program support
  • Pay-as-you-go premium options to ease cash flow
  • Certificates of insurance for contracts and job sites

Ideal for: Contractors, home care agencies, restaurants, manufacturers, and any business with employees.

Get a Workers' Compensation Quote
Fidelity, Dishonesty & Surety Bonds Bonds

Fidelity, Dishonesty & Surety Bonds

Bonds build trust. Whether a licensing agency, a client or a government program requires a bond, or you simply want to protect your business from employee theft, we provide many types of bonds quickly and affordably. We have particular experience serving healthcare providers, including home health agencies, doctors, nurse practitioners and ambulance services.

What's Covered

  • Fidelity and employee dishonesty bonds
  • Home health agency bonds
  • Bonds for doctors, nurse practitioners and medical providers
  • Ambulance and EMS provider bonds
  • License and permit bonds
  • Contractor bid, performance and payment bonds
  • Notary, ERISA and janitorial service bonds

Ideal for: Healthcare providers, contractors, licensed professionals, and businesses handling client property or money.

Get a Fidelity, Dishonesty & Surety Bonds Quote
Auto Dealer Bonds Bonds

Auto Dealer Bonds

Opening or renewing a car dealership in Texas? A motor vehicle dealer bond is required before the state will issue or renew your dealer license. We make the bonding process fast and simple, and we can also insure your lot, inventory and garage operations under one roof.

What's Covered

  • Texas motor vehicle dealer (GDN) bonds
  • Title bonds for lost or missing vehicle titles
  • Dealer open-lot and inventory coverage
  • Garage liability and garage keepers insurance
  • Fast processing for new licenses and renewals

Ideal for: New and used car dealers, wholesalers, motorcycle dealers, and independent auto lots.

Get a Auto Dealer Bonds Quote

*Rates vary by driver, vehicle, location, coverage selected and carrier underwriting. $29 represents a starting rate and is not available to all drivers. Coverage descriptions are general summaries; actual coverage is subject to the terms, conditions and exclusions of each policy.

Auto Insurance, Home, Health & Life, Home Care, Security, Bonds, Commercial, Day Care & Dealer Bonds

One trusted broker for everything you need to protect. Call today for a no-obligation review of your current coverage.

Call 713-270-7400 Request a Quote Online
Why Choose Us

Houston's Award-Winning Independent Insurance Broker

Insurance is personal. It should be built around your life, not a one-size-fits-all script. Here is what makes OBIH Brokerage different.

01

We Work for You

As an independent broker, our loyalty is to our clients, not a single insurance company.

02

One-Stop Shop

Personal, commercial, life, health, Medicare and bonds, all managed by one trusted office.

03

Healthcare & Specialty Expertise

Deep experience with home health agencies, doctors, nurse practitioners, ambulance services, day cares and group homes.

04

Local & Accessible

Visit us in person on S Gessner Rd, or call and speak directly with a licensed broker.

Reviewing insurance options with a client
Best of 2026 Award Winner
How It Works

Getting Covered Is Simple

Four easy steps from first conversation to peace of mind.

1. Tell Us Your Needs

Call, visit, or fill out our quick form. We listen to what you want to protect and what fits your budget.

2. We Shop the Market

We compare coverage and rates from multiple insurance companies, so you don't have to.

3. Choose With Confidence

We explain your options clearly, with no jargon and no pressure, and you pick the best fit.

4. Stay Protected

We review your coverage as your life changes and advocate for you if you ever need to file a claim.

Best of 2026 Award Winner
Recognized Excellence

Best Insurance Agency in Houston, 77071 for 2026

OBIH Brokerage & Services Insurance is proud to be named a BusinessRate “Best of 2026” Award Winner. This recognition reflects the trust of the Houston families and businesses we serve every day. Thank you for letting us protect what matters most to you.

FAQ

Frequently Asked Questions

Have a question that isn't answered here? Call us at 713-270-7400 and we'll be glad to help.

Friendly insurance professional ready to help
What does it mean that OBIH Brokerage is an independent broker?

Captive agents can only sell policies from one insurance company. As an independent broker, we work with multiple insurance companies. We compare coverage and prices on your behalf and recommend the policy that gives you the best value. Our motto says it well: "We fix you with what you can afford."

Does it cost more to use a broker?

No. Our service is free to you. Brokers are paid by the insurance companies, and premiums are generally the same as, or lower than, buying directly, because we can shop the market for you.

How quickly can I get covered?

Many personal policies, such as auto, renters and homeowners, can be quoted and bound the same day. Some coverages, such as life insurance, commercial policies and bonds, may require underwriting. We will give you a clear timeline up front.

Can you help if I have been declined elsewhere or have a poor driving record?

Yes. Because we have access to multiple carriers, including specialty and non-standard markets, we can often find coverage for high-risk drivers, SR-22 filings, older homes, and hard-to-place businesses.

Do I really need flood insurance in Houston?

We strongly recommend it. Standard homeowners and renters policies do not cover flood damage, and many Houston-area floods happen outside designated high-risk zones. Flood policies often have a waiting period, so it is best to buy coverage well before hurricane season.

What should I bring when I come in for a quote?

For auto: your driver's license, vehicle VINs and current declarations page. For home: your address, the home's age and square footage, and your current policy. For business: a description of operations, annual revenue, payroll and any prior insurance. Don't worry if you don't have everything. We can start with what you have.

Contact Us

Get Your Free, No-Obligation Quote

Tell us a little about what you need and we'll get back to you promptly. Prefer to talk? Call or stop by our office.

Visit Our Office

9920 S Gessner Rd
Houston, TX 77071

Your Broker

Nick Obih, Licensed Insurance Broker

Preferred Contact Method

Your information is kept confidential and is never sold.