Branch Owner

Dale Ratliff

Agent Owner TWFG Ratliff & Coffey's Insurance

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Auto

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.

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Home/Renters

Even 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.

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Flood

The 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.

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Motorcycle

Ask 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.

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RV

When 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.

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Umbrella

Like 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.

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Business Owners Policy

For 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.

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Life

Securing 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.

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Locations

1410 FM 1960 Bypass Rd E
Humble, TX 77338
Suite D
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501 W. Texas Avenue
Baytown, TX 77520
(281) 427-9461
19901 Southwest Freeway Ste 240
Sugar Land, TX 77479(281) 342-3444

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.

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.

Our Team

Sue's Profile Photo

Sue Ratliff

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
Rebecca's Profile Photo

Rebecca Wilkerson

Producer/CSR

Auto, Home/Renters, Life/Health, Motorcycle, Umbrella, Boat, RV, Flood, Wind, Business Owners Policy, Commercial Bonds

Office: 832-644-5500
Email: rwilkerson@twfg.com
Languages: English
Location: 1410 FM 1960 Bypass Rd E
Humble, TX 77338
Suite D
Eric's Profile Photo

Eric Ratliff

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
Gina's Profile Photo

Gina Hadley

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: 501 W. Texas Avenue
Baytown, TX 77520
(281) 427-9461
Myrna's Profile Photo

Myrna Garate

Limited Lines Agent

Auto, Motorcycle, Boat, RV

Office: 281-427-9461
Fax: 832-482-2766
Email: mgarate@twfg.com
Languages: English, Spanish
Location: 19901 Southwest Freeway Ste 240
Sugar Land, TX 77479(281) 342-3444
Now Hiring's Profile Photo

Now Hiring Now Hiring

Licensed General Lines Agents

Auto, Home/Renters, Motorcycle, Umbrella, Boat, RV, Flood, Wind

Office: 281-342-3444
Email: dratliff@twfg.com
Languages: English
Location: 19901 Southwest Freeway Ste 240
Sugar Land, TX 77479(281) 342-3444

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