Texas commercial property · Q4 2026 renewals

Insurance for Texas property owners, from the owner's side.

We insure apartments, retail centers, self storage and flex buildings across Texas, and we shop every renewal like it's our own building.

No cost, no obligation 15 minute call Benchmark in 2 business days
Renewal benchmark
Ready
Two-building apartment portfolio · Houston, TX
Expiring premium$160,424
MIG placement$99,538
Premium38% lower
Named storm deductible5% → 3%
Review started
120 days out
Dec page receivedBenchmark underway
$25M → $61MRetail portfolio insured to full value
Recent results

Lower premiums, without giving up coverage.

Two renewals we remarketed this year. Client names withheld.

Two-building apartment portfolio · Houston
0%
lower annual premium
Before
$160,424
After
$99,538
Named storm deductible 5% → 3%$60,000+ saved a year
Retail center portfolio · Texas
0%
lower premium, with more coverage
Insured before
$25M
Insured after
$61M
Now covered to full value

Past results don't guarantee future savings. Every account is priced on its own risk.

Why now

Most renewals are priced off last year. New business isn't.

Property rates are falling and carriers are hungry for premium going into year end. Your incumbent rarely hands that over unless someone asks.

The market turned

New capacity is flooding into Texas property, and carriers are behind on premium goals.

Renewals lag behind

Incumbents trim last year's number while quoting the same building far lower as new business.

Terms are coming back

Lower deductibles, blanket limits and better wind terms are on the table if someone pushes.

6.3%average drop in commercial property rates, Q2 2026Source: CIAB Commercial P&C Market Survey, Q2 2026
75%of brokers saw more property capacity in the quarterSource: CIAB Commercial P&C Market Survey, Q2 2026
What we insure

Built for owners of income property.

One broker for the whole portfolio, from a single strip center to a family of apartment LLCs.

Apartments

Garden, mid rise and small portfolios, including older buildings other agents struggle to place. Wind, hail and named storm structured around your lender's requirements.

Retail centers

Strip, neighborhood and multi tenant centers, with tenant mix, bars and restaurants handled up front.

Self storage

Single sites and multi location operators, property and liability under one plan.

Flex and industrial

Office warehouse, flex and light industrial, including buildings still in lease up.

And the rest of your program

We place the lines that sit around your buildings, too.

General liabilityUmbrella and excessWorkers compCommercial autoHome and auto
How the review works

Fifteen minutes, and no obligation.

1

Send your dec page

Email your current declarations page, or bring it to a 15 minute call.

PDF
declarations-page.pdfProperty · GL · Umbrella
Drop more files, or email them to us
2

We benchmark it

Within two business days we show you how your price and coverage stack up against today's market.

Your renewalToday
Market rangeBenchmark
Deductibles and termsCompared
3

You decide

If your program is priced right, we'll tell you. If it isn't, we take it to market well before your renewal.

Keep current program
Remarket before renewal
Meghani Insurance Group

Meghani Insurance Group

Commercial insurance brokerage

Texas agency license 2868050
Commercial real estate experience in house
Office in Sugar Land, Texas
Who you work with

A brokerage that sits on both sides of the renewal.

Meghani Insurance Group is a Sugar Land brokerage built around commercial property. Our leadership also runs the finance side of a Houston commercial real estate firm, so we see renewals from the owner's side every year and know what a bad one does to a property's numbers.

We work with the major specialty insurance markets, and we take every account to market with a clear strategy instead of accepting the first number an underwriter sends back.

Every review is handled by a senior broker on our team. If your renewal is already priced right, we'll tell you that too.
Questions

Good to know.

Does the review cost anything?

No. The review is free and there's no obligation to move anything.

What do I need to send?

Your current declarations pages are enough to start. If you have a statement of values or loss runs, send those too and the benchmark gets sharper.

When should I start?

About 120 days before your renewal. Carriers want a full submission 60 to 90 days before the effective date, and the best terms go to accounts that show up early.

Do I have to change agents to get quotes?

Not for the review. If we find a better program and you want us to place it, we'll walk you through the broker of record process so nothing lapses.

Which properties do you work with?

Apartments, retail centers, self storage, flex and industrial, office and mixed use buildings across Texas, plus the liability, umbrella and other lines that go with them.

Find out what your property should cost to insure.

Enter your address and book 15 minutes, or email your declarations page and we'll reply within two business days.

Rather talk first? Book a 15 minute call

Call281-528-4135
Emailinfo@insurewithmig.com
HoursMonday to Friday, 9 a.m. to 5 p.m. Central