Buying a Home or Reviewing Your Current Policy? Let’s Take a Look Together.
Whether you’re buying a home or reviewing your current policy, Luke will help you compare coverage, identify potential gaps, and understand your options before making a decision.
Let’s Get Started
Tell me a little about yourself, and I’ll start reviewing your home insurance options.
“Luke was very helpful and provided excellent service for my insurance needs. Would highly recommend!”
Jordan R. · Google Review
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Is Now a Good Time to Take a Look at Your Home Insurance?
Homeowners usually reach out after one of these moments. Any of them sound familiar?
You’re buying a new home
Lenders require proof of insurance before closing. Let us know your timeline and we’ll work to it, so coverage is in place when you need it.
Your renewal is coming up
The weeks before renewal are the best time to compare. If your premium jumped, it’s worth seeing what else is available before you auto-renew.
You replaced your roof or made upgrades
A new roof, updated plumbing, or storm repairs can change your discounts and your dwelling coverage. Most policies don’t update automatically.
A storm or claim changed your risk picture
Hail, wind, and foundation issues are common across Texas. If you’ve filed a claim or worry your coverage doesn’t reflect current rebuild costs, it’s worth a second look.
What Makes a Gilded Oak Quote Different
We are not a lead-selling website, and we are not a call center. Here is what that means for you.
You work with a local Texas advisor
Not a remote call center, not an offshore team. Someone based in North Texas who understands Texas weather risk and which carriers actually perform well here.
We look at coverage and price together
Cheaper is not always better. We explain what dwelling coverage, replacement cost, and deductibles actually mean before you decide what tradeoffs make sense.
We work around your timeline
Closing in two weeks? Renewing next month? Just deciding to look? We move at whatever pace fits your situation, including lender deadlines.
Independent means more options
As an independent agency, we work with multiple carriers rather than being tied to one company’s products. That gives you a broader view of what is available.
You can reach us the way you prefer
Form, phone call, text message, or email. We adapt to how you communicate, not the other way around.
Luke Faulkner
Licensed Texas Insurance Agent · Gilded Oak Insurance
I started Gilded Oak because I wanted to offer the kind of insurance guidance I would want for my own family: clear, practical, and free of the pressure that comes with call centers. I review coverage and pricing together, including details many homeowners miss like replacement cost and wind and hail deductibles, so you understand the tradeoffs before making a decision. I am based in North Texas and focused on helping Texas homeowners and new buyers make confident insurance decisions.
Three Simple Steps
Getting a quote is straightforward. Here is what to expect.
Share your situation
Fill out the short form, call, or send a text. Let us know whether you’re renewing, buying, or just want a second opinion, and any closing dates we should know about.
We compare coverage and carriers
We look at your dwelling coverage, deductibles, and any gaps, then pull options from relevant carriers and prepare a clear summary.
You decide what makes sense
We walk you through the options and answer your questions. If you have a closing deadline, we’ll work to it. Otherwise, there is no pressure and no deadline.
Frequently Asked Questions
Absolutely. There is no requirement to switch carriers and no deadline attached. Many homeowners request a quote simply to confirm they have competitive, adequate coverage. If a better option exists, we will show you. If your current carrier looks good, we will tell you that too.
Yes. Just let us know your closing date when you submit your request, and we will work to that timeline. Getting your declarations page or lender’s insurance requirements to us as early as possible helps things move quickly.
Generally, no. A standard homeowners policy excludes flood damage; flood coverage is typically a separate policy through the National Flood Insurance Program or a private flood carrier. This is one of the most commonly misunderstood gaps in Texas home coverage, and we can help you understand whether it makes sense for your property.
Dwelling coverage is the amount your policy would pay to rebuild your home if it were destroyed. Replacement cost means rebuilding at today’s construction costs, rather than the depreciated value of your home. Many policies fall out of date as construction costs rise, which is one of the most common gaps we find during a quote.
No, simply requesting a quote has no effect on your mortgage or escrow. If you do decide to switch carriers, we will help make sure your lender is notified correctly so your escrow payments continue without disruption.
Yes, and it is often worth doing at the same time. Bundling home and auto with the same carrier typically produces meaningful savings on both policies. Just let us know when you submit your request and we can include that in the quote.
No. Gilded Oak Insurance serves homeowners across the state of Texas. While we are based in North Texas and have strong familiarity with the DFW market, we work with Texas homeowners and new buyers wherever they are located.
No. Requesting a home insurance quote does not affect your credit score. When carriers review credit as part of pricing, it is a soft inquiry, not a hard pull, and it does not appear on your credit report.
Explore More Coverage Resources
Looking for more information before requesting a quote? These resources can help you better understand your coverage options.
Need Help Finding the Right Coverage?
Whether you’re reviewing an existing policy or comparing new options, we’re happy to help you understand your choices and find coverage that fits your situation.