Insurance Agency Serving Henderson, TX
Greg Williams Insurance is an independent insurance agency serving Henderson and Rusk County from our office in Longview, about 30 miles north on Highway 259. Independent means we don't work for one insurance company. We work for the people who hire us, and we shop home, auto and business coverage across a range of carriers to find the one that actually fits.
Most of our Henderson clients never set foot in the office. Quotes, signatures, ID cards and certificates all move by phone, text and email, and when something needs a real conversation you get the agent, not a call center.
What independent actually changes for you
A captive agent has one company's rates to offer. When those rates go up, that's the end of the conversation — you either pay it or you start over somewhere else. We shop roughly 95% of the home and auto market, so when a carrier takes a rate increase in East Texas, and several have, we can look at moving you instead of watching you leave.
It also means we can be straight with you about price. A cheaper policy is often cheaper because something was taken out of it — a higher wind and hail deductible, actual cash value on the roof, a liability limit that won't hold up. We would rather walk you through what's different between two quotes than win on a number that falls apart the day you file a claim.
What we write in Henderson
Auto insurance — car, truck and vehicle coverage for Henderson drivers. Texas only requires 30/60/25 in liability, and one serious accident on Highway 259 or Highway 64 goes past that in a hurry. We'll show you what higher limits actually cost before you decide.
Homeowners insurance — house, condo and rental dwelling coverage. The part most East Texas home policies turn on is the roof: how it's valued, and what your wind and hail deductible really is as a percentage of the dwelling.
Umbrella insurance — another million in liability sitting on top of the auto and home policies, usually for less than people expect.
Business insurance — general liability insurance, workers' compensation insurance, commercial auto insurance, property and business owners policies for small operations around Rusk County.
The East Texas part
Hail is not unusual here, and it's the single thing most likely to put a Henderson homeowner into a claim. Two details on your policy decide what you actually collect: whether the roof is settled at replacement cost or actual cash value, and whether your wind and hail deductible is a flat dollar amount or a percentage of the dwelling limit. On a $300,000 home, a 2% deductible is $6,000 before the carrier pays anything.
Most people find out which one they have after the storm. We'd rather you know now — here's how Texas roof claims are actually settled.
Who we work with in Henderson
A good share of our commercial book is trades: plumbers, electricians, remodelers, dirt work, oilfield service and hot shot outfits working out of Henderson and across Rusk County. That work has its own problems — general contractors who want to be named as additional insured, certificate requests that need to go out the same day, and classification codes that quietly decide your premium. We handle certificates fast, because on a job site a slow certificate costs somebody a day.
On the personal side it's mostly families: a house, two or three vehicles, a teenage driver who just changed the math, a boat on Lake Striker or a side-by-side.
Around Rusk County
We write across East Texas — Henderson, Overton, Tatum, Mount Enterprise, Kilgore, Longview and the rest of Rusk and Gregg Counties. Same agency, same phone number, no call center in between.
Start a quote
Send us what you have now — a declarations page is ideal, but a photo of it works fine — and we'll shop it and tell you plainly whether we can do better. If we can't beat what you've got, we'll say so.
Request a quote, or call or text 903-372-1901. Our office is at 3400 W Marshall Ave, Suite 200, Longview, TX 75604, Monday through Friday, 8 to 5, and we're glad to work with you in Henderson entirely by phone, text and email.
Coverage, limits and eligibility depend on the policy issued and the carrier's underwriting. Nothing here changes what your policy says — we're happy to read yours with you.