Our office will be closed monday, labor day, september 7th. We will reopen at 8a on tuesday morning. have a great holiday!!

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Commercial-Home-Auto-Just about Everything Else

about us

We provide customized property and casualty insurance throughout Texas, safeguarding your assets from unique regional hazards. We connect with you via direct communication, SMS-capable options (texting), and personalized human advisory.

Toll-Free: 1-(888) 891-8680

Text us at (888) 891-8680

email me at ray@gulf-harborinsurance.com

service - tracy@gulf-harborinsurance.com

Ray Horvath, Insurance Agency Owner
Ray Horvath, Insurance Agency Owner
Tracy Horvath, Insurance Agency Manager
Tracy Horvath, Insurance Agency Manager

We are based near Houston in Richmond, Texas

Licensed in Texas, California and Florida

Insurance Sales
Insurance Sales
The Independent Advantage

mission and purpose statement

Insurance Customer Service
Insurance Customer Service

Ray - Sales

Tracy - Service

We are in business to walk through our passion to do things right and with excellence. To build a business, an agency, we want to put our name on, are proud of, and stake our reputation on.

We offer our clients confidence and peace of mind. Confidence that we will take the time to listen to, and address our client's concerns. to find them the best coverage and value we have available to us. to develop relationships with them and advise them protecting their assets to the extent that we are able.

We believe we are in business to glorify God. In glorifying God, we must be successful and make a profit, because failing and losing money does not glorify God. We want to be people and an agency that define excellence and peace of mind to our clients. We want to do our job better than our competitors, have best qualified staff, to be innovative, consistent and intentional, and make money doing it.

Commercial-Home-Auto-Just about Everything Else

Covering Every Risk

Small Business

Personal

other stuff

  • cyber liability

  • contractors

  • commercial bonds

  • crime

  • ocean marine

  • builders risk

  • special events

  • vacant buildings

  • flood and earthquake

  • umbrella

  • Homeowners

  • autos

  • Renters

  • condo

  • landlord

  • flood

  • earthquake

  • umbrella

  • jewelry

  • classic cars

  • motorcycle

  • ATV & Golf Carts

  • rv

  • mobile home

  • watercraft

  • vacant homes and property

  • special events

  • Pet Insurance

  • business owners policy

  • commercial auto

  • trucking

  • commercial property

  • commercial general liability

  • workers comp

  • professional liability

  • errors & omissions

  • directors & officers

  • employment practices

As an independent agency, we team up with top-tier national carriers instead of a single provider. This gives us the freedom to check out various market options and create coverage that fits your unique risk profile. We understand the challenges small business owners deal with. We get that big ideas come with inherent risks. We understand the frustration of limited options for homeowners insurance and teenage drivers. Our vision is to provide the personal service many agencies have outsourced to AI or overseas. When you reach out, you’ll get connected with a licensed advisor who really wants to understand your specific risks and challenges. we are based in richmond, tx, near houston, and we are licensed in texas, california and florida to serve you best.

Licensed in Texas, California and Florida