Agent Owner TWFG Ratliff & Coffey's Insurance
We're driven to keep you covered on the road. Our auto insurance policies are designed to cover your individual needs when it comes to you and your vehicle, as well as protect you from a variety of other unforeseen risks. No matter where you're headed, we want you to have the peace-of-mind for the journey ahead.
Get a QuoteEven your house needs a roof over its head. From structural protection to coverage for your valuables, we can find the right way to keep your home or apartment safe – both inside and out. Because the place you call home will always be your most important asset.
Get a QuoteThe weather forecast may not always predict it, but tides do turn. And property that was once high and dry can suddenly find itself in deep trouble. That’s why we offer flood insurance which allows you to protect everything from your basement to your baseboards. Some locations prone to flooding are required by federal law to have flood insurance, which is not covered by homeowner’s policies. So, don’t be unprepared when drywall becomes wet.
Get a QuoteAsk any biker: motorcycles are as fun to ride as they are dangerous. That's why we offer comprehensive coverage for risks like injury, uninsured motorists and medical payments, no matter what you ride. Because in the event of an accident, you want to know someone will be there to get you back on that iron horse quickly and safely.
Get a QuoteWhen it comes to RVs, life can take a lot of unexpected turns. That's why we provide protection for all motor homes and trailers, covering you for injuries, property damage, comprehensive and collision, as well as protecting you from uninsured drivers. Whether it's your home, or your home away from home, we want to make sure you're safe.
Get a QuoteLike they say: It's good to be prepared for a rainy day. Personal Umbrella insurance offers additional coverage beyond homeowners', health and vehicle, protecting you from major claims and lawsuits, like libel, slander and defamation of character. So, if and when it rains, know that we'll be pouring every ounce of ourselves into protecting you.
Get a QuoteFor small to medium-sized businesses, finding the right coverage is a very big deal. That’s why we’re here to help. Business Owners Policy (BOP) typically provides basic coverage for your building, liabilities, inventory, equipment and any processes interruption, with the option for business-specific add-ons. You can’t control the future, but you can control how you plan for it.
Get a QuoteSecuring your family's financial future starts with insuring yours. It can feel like a daunting task, but we're here to make it a little less taxing. And while there are several insurance policies for accelerated death, critical illness, or even long-term care, it's important your coverage best suits you. After all, it's your life – but we'll be here to protect it.
Get a Quote
TWFG Ratliff Insurance is an independent, family-run insurance agency. Whether you need home, auto, life, retirement, renters or more, we can help. At TWFG Ratliff Insurance, we understand that no two people are alike – we work with you to write the policies and coverage you need. To discuss your options, give us a call.
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At the end of the day, TWFG is a company that cares. We care about our customers, their customers, their families, and the communities in which they have chosen to build their lives. And we wouldn't be the company we are today without the caring people who make it possible. Those who come in every day with the hope – the goal – of making a real difference in the lives of the people we protect. We treat you like one of our own. Because you are.
Producer/CSR
Auto, Home/Renters, Life/Health, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Business Owners Policy
| Office: | 832-644-5500 |
|---|---|
| Email: | sratliff@twfg.com |
| Languages: | Eglish |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Event, Luxury Items, Business Owners Policy
| Office: | 832-644-5500 |
|---|---|
| Email: | eratliff@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Licensed Agent/CSR
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Business Owners Policy, Commercial Bonds
| Office: | 281-427-9461 |
|---|---|
| Email: | ghadley@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Limited Lines Agent
Auto, Motorcycle, Boat, RV
| Office: | 281-427-9461 |
|---|---|
| Fax: | 832-482-2766 |
| Email: | mgarate@twfg.com |
| Languages: | English, Spanish |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Licensed General Lines Agents
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind
| Office: | 832-644-5500 |
|---|---|
| Email: | dratliff@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Producer/CSR
Auto, Home/Renters, Life/Health, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Business Owners Policy
| Office: | 832-644-5500 |
|---|---|
| Email: | sratliff@twfg.com |
| Languages: | Eglish |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Event, Luxury Items, Business Owners Policy
| Office: | 832-644-5500 |
|---|---|
| Email: | eratliff@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Licensed Agent/CSR
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Business Owners Policy, Commercial Bonds
| Office: | 281-427-9461 |
|---|---|
| Email: | ghadley@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Limited Lines Agent
Auto, Motorcycle, Boat, RV
| Office: | 281-427-9461 |
|---|---|
| Fax: | 832-482-2766 |
| Email: | mgarate@twfg.com |
| Languages: | English, Spanish |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
Licensed General Lines Agents
Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind
| Office: | 832-644-5500 |
|---|---|
| Email: | dratliff@twfg.com |
| Languages: | English |
| Location: |
1410 FM 1960 Bypass Rd E Humble, TX 77338 Suite D |
