A stronger option for Texas homeowners has arrived.
Neill Insurance Brokers is now appointed with Foremost Signature — adding home, auto and umbrella coverage designed for homeowners who want more than a cheap monthly payment.
What this actually means for Texas families.
Neill Insurance Brokers, LLC has added Foremost Signature to its personal lines carrier lineup, giving Texas homeowners access to a complete personal insurance package that writes the home, the autos and the umbrella together under one carrier.
Foremost Signature is part of the Farmers Insurance Group of Companies and is built for households with strong insurance profiles — well-maintained homes, multi-vehicle families and drivers with clean records. Unlike carriers that only write one piece of the puzzle, Signature allows consistent underwriting, a single billing relationship and one claims contact across the entire household.
The appointment matters because the Texas personal lines market has changed. Many households have quietly outgrown the narrow criteria of their current captive carrier — often without realizing the gaps in their coverage until they need to file a claim. Adding Foremost Signature gives the agency another path to close those gaps without forcing clients to spread coverage across multiple insurers.
The details most homeowners never hear about until they file a claim.
Foremost Signature’s homeowners program is structured differently than typical standard-market options. Here are the specific features that matter most for Texas homeowners — and why.
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Guaranteed rebuild coverage
If a covered loss destroys the home and rebuilding costs exceed the policy limit, the carrier still rebuilds. This feature has become critical as Texas construction costs continue to fluctuate — a home insured at $400,000 five years ago may cost significantly more to rebuild today. Guaranteed rebuild protects against that gap.
Dwelling coverage up to $1.5M -
Replacement cost on personal property
When belongings are damaged, clients receive the cost to replace them with new equivalents — not a depreciated payout based on the item’s age. Many standard homeowners policies default to actual cash value, which can leave homeowners tens of thousands of dollars short after a significant loss.
Broad named peril · RCV settlement -
GrandProtect blanket limit
Rather than setting separate caps for the dwelling, other structures and personal property, GrandProtect pools the limits into one blanket limit that extends comprehensive coverage across the policy. For homeowners with finished outbuildings, detached garages or higher-value personal property, this structure helps prevent the coverage gaps that often surface after a claim.
Optional · Higher-tier coverage -
Additional living expense at actual loss sustained
If the home becomes uninhabitable after a covered loss, the policy pays for temporary housing and related expenses based on what the family actually spends — not capped at a fixed percentage of the dwelling limit. For a total loss requiring months of temporary housing, this distinction can be the difference between full coverage and running out mid-claim.
Uncapped · ALS settlement -
Liability and medical payments sized for modern risk
Liability limits are available from $100,000 up to $1,000,000, with medical payments coverage up to $10,000 — both higher than what many standard homeowners policies offer at comparable price points. Combined with the Foremost Signature Umbrella policy, clients can layer additional protection on top for the same insurer, with one claims contact.
Up to $1M liability · $10K medical -
Building ordinance or law coverage
When a covered loss triggers repairs, local building codes may require upgrades that the original policy limit does not account for — updated electrical, new hurricane straps, modern egress. Ordinance or law coverage pays the additional cost of bringing the home up to current code, available at either 50 percent or 100 percent of the dwelling limit.
Optional · 50% or 100% of Coverage A
Our clients deserve stronger protection, not just a cheaper monthly payment.
An independent agency built after the captive model.
Scott Neill founded Neill Insurance Brokers after spending years as a Farmers Insurance agent. That captive-side experience shaped the consultative, carrier-agnostic approach the agency takes today — building custom insurance plans around each client’s actual risks, assets and priorities rather than around the limitations of a single carrier.
Headquartered in Roanoke, Texas, the agency serves personal insurance clients across the state. Its advisors represent a range of highly rated carriers and follow a consultative process rather than a price-first sales model. On average, clients save more than 20 percent in annual premium while walking away with a deeper understanding of what their policies actually cover.
The agency has earned industry recognition including Million Dollar Round Table, and is a member of the Independent Insurance Agents & Brokers of America (Big I). Its focus remains on genuine connections, full transparency, and policies written to actually protect clients when something goes wrong.
Ready to see what Foremost Signature looks like for your household?
Request a complimentary review comparing your current home, auto and umbrella coverage against what the agency can now write through Foremost Signature.