Knowledge Center

Clear answers about Freedom Insurance Group: how quoting works, where we serve, what coverage options we help you shop, and where to go for claims, policy changes, privacy, and reviews.

Independent insurance agency · Flower Mound, Texas · Serving Texas, Colorado, Missouri, and Tennessee

Get a Quote
(972) 798-3769

1. Customer questions & answers

Start-here questions with the right page on this site. Short policy FAQs are in section 4.

I need a quote. Where do I begin?

Use the Get a quote hub for auto, home, landlord, business, flood, and RV paths, or start with Quick Quote. Prefer to talk through options first? Contact a licensed agent via Ask an Agent or call (972) 798-3769. More contact options are on About.

Do you represent only one insurance company?

No. Freedom Insurance Group is an independent agency. Licensed agents compare options among carriers the agency is appointed to write, for risks those markets will consider—see our insurance company reviews for carrier background. Availability changes by state, location, and underwriting appetite.

Can I keep my insurance company and change agents?

Often yes. Many carriers allow an agent-of-record or broker-of-record change so servicing moves to a new agency while the company stays the same. Steps and paperwork depend on the carrier. See Can I change my insurance agent but keep my insurance company?

What should I do after a loss?

Make the scene safe, document damage when you can, and report the claim to the insurance company on your policy (ID card or declarations). Tell Freedom Insurance Group so we can help coordinate. Carrier phone numbers we maintain for clients are on Claim contacts. For homeowners steps, see our homeowners claim guide.

Where is the agency based?

Freedom Insurance Group is headquartered in Flower Mound, Texas, and works with clients in its licensed states. Hours and phone numbers are listed on About; see all locations.

2. Services & service areas

Licensed service states: Texas, Colorado, Missouri, and Tennessee. Products, forms, and underwriting rules differ by state and address. Ask an agent which options are available at your address.

Lines we commonly help you shop

Browse the map of products: Insurance products. State orientation: Insurance Service Center.

Location indexes by state

State Home / property Auto Flood
Texas Home locations Auto locations Flood locations
Colorado Home locations Auto locations Flood locations
Missouri Home locations Auto locations Flood locations
Tennessee Home locations Auto locations Flood locations

All offices and service areas: Locations directory.

State insurance guides

3. Expertise & credentials

Freedom Insurance Group LLC is an independent insurance agency headquartered in Flower Mound, Texas. The agency was established in 2005 and serves clients in Texas, Colorado, Missouri, and Tennessee.

Agency licenses published on our About page:

  • Texas agency license #1325461
  • Colorado agency license #770726
  • Missouri agency license #3003193182
  • Tennessee agency license #3003190192

Meet the team and read agent profiles on About and Authors. Individual agent license or NPN numbers can be confirmed with your agent or through the state department of insurance. Partners can learn more on Referral Partners.

4. Frequently asked questions

Is a quote the same as coverage?

No. A quote is an estimate based on the information provided. It is not confirmation that coverage is in force. Coverage is bound only when an authorized carrier agreement is in place and any required payment or binding steps are completed under that company’s rules.

What should I compare in a quote?

Compare the same building blocks whenever you can: liability and property limits, deductibles, who is listed as insured, optional coverages (for example UM/UIM, flood, or loss of use), exclusions, and discounts. A lower premium with weaker limits or a higher deductible is not the same product. For a home estimate starting point, try the home insurance rate calculator.

Are there fees on top of the premium?

Premium is what the insurance company charges for the policy. Some placements can also involve installments, carrier policy fees, or other charges shown on the quote or billing documents. Ask your agent to walk through every line on the quote and the payment plan before you bind.

How do I get an ID card or change a policy?

See Manage your policy, or contact the agency with your policy number and the change you need.

How do text messages from the agency work?

If you opt in, message frequency can vary. Message and data rates may apply. Reply STOP to opt out or HELP for help. Details are in our Privacy Statement and Terms of Use.

Does a standard homeowners policy include flood?

Typically no. Flood is usually a separate policy or endorsement through flood markets. Ask whether your address needs NFIP or private flood options. See the flood guides for Texas, Colorado, Missouri, and Tennessee, or get a flood quote.

5. Transparent pricing information

Insurance does not have one public price list. Premiums are individualized. Quotes you receive are estimates for discussion, not a guarantee of final cost or coverage.

Price can change with factors such as:

  • Where the home or vehicle is located
  • Coverage limits and deductibles
  • Rebuild cost, vehicle, and how the property or auto is used
  • Claims history and household drivers
  • Credit-based insurance scoring where state law allows
  • Each carrier’s underwriting appetite at the time you shop

For a quote that reflects your situation, use Get a quote or Ask an Agent.

6. Policies & privacy

  • Privacy Statement — how information collected through this website and quote forms is used, SMS practices, and your choices.
  • Terms of Use — rules for using this website and related messaging terms.

Your insurance contract is the policy issued by the insurance company named on your declarations page. Website articles explain concepts; they do not replace the policy language.

7. Reviews & testimonials

As shown on our Reviews page (Nov 2026):

Overall Rating 5.0 (491) on Google

Selected Google reviews from that page:

“Lexi was such a delight to work with! She was incredibly kind and patient with all of the questions I had, and was very timely in her reply and set up time. She made the process easy and stress free, I would absolutely work with her again and recommend my friends and family to Freedom Insurance.”

Avery Hart · Google review · 5-star

“So easy to work with, quick responses and great prices!”

Nathan Honsowetz · Google review · 5-star

“I placed the call for a car insurance quote. Sabrina asked a few questions and my quote was emailed that day. The quote was exactly what I was seeking. Sabrina is friendly and ready for questions; an easy transition.”

R. · Google review

“Got a great deal of landlord insurance!”

Sydney Ferguson · Google review

“Sabrina provides a seamless experience. Thank you so much.”

Connie Smith · Google review

Read more on our Reviews page. For carrier background, browse Insurance Company Reviews, including Progressive, GEICO, Allstate, and Travelers.

8. Quote, policy & claims processes

Getting a quote

  1. Tell us what you need to insure and the state/address.
  2. Share underwriting details (drivers, losses, rebuild or vehicle facts, lienholder needs).
  3. We check appointed markets that fit the risk.
  4. Review matched options—limits, deductibles, and exclusions—with your agent.
  5. If you choose to proceed, coverage is bound with the carrier under that company’s binding rules and payment requirements.

After a claim

  1. Protect people and property.
  2. Document damage when it is safe to do so.
  3. Report the claim to the insurance company and keep the claim number.
  4. Notify Freedom Insurance Group so we can help with next steps.
  5. Keep receipts and notes the adjuster or carrier requests.

More detail: homeowners claim guide · Texas auto claim process · home claims overview.

9. Coverage basics & common exclusions

Policies pay for covered causes of loss up to the limits you buy, subject to deductibles and conditions. Many losses people assume are covered are limited or excluded unless you add the right coverage.

  • Flood is usually separate from a standard homeowners form—see flood guides for Texas, Colorado, Missouri, and Tennessee.
  • Wear and tear, maintenance, and gradual damage are commonly excluded.
  • Named drivers, excluded drivers, and household residents rules matter on auto policies.
  • Business use of a personal auto or home may need a different policy or endorsement—start with business insurance or a personal umbrella discussion when limits are a concern.

Plain-language definitions: Insurance glossary (for example actual cash value, additional living expenses, agent of record).

10. How carriers and independent agents work together

The insurance company underwrites the risk and pays covered claims under the policy. The independent agency helps you compare options, explains coverages, and services the account with the markets it can access.

Educational market lists (such as largest auto insurers in Texas and life insurers in Texas) describe the industry landscape. They are not a promise that every company on a list will quote every applicant. Carrier write-ups live under Insurance Company Reviews.

11. When to update your coverage

Contact the agency when something material changes, for example:

  • Move, remodel, or change in rebuild cost
  • New driver, new vehicle, or change in commuting/business use
  • Marriage, new household members, or a driver moving out
  • Starting a business from home or adding employees/vehicles
  • Renewal approaches and you want limits or deductibles reviewed

Policy service overview: Manage your policy.

12. Primary sources & last review

This Knowledge Center summarizes and links to pages already published on planforfreedom.com. Prefer those pages when you need full detail.

Last content review: November 9, 2026. Canonical URL for this hub: https://planforfreedom.com/knowledge-center/.