Protecting What Matters: Trusted Insurance Solutions
We work with top-rated national carriers to find you the best coverage at the right rate. Get personalized personal and commercial insurance solutions tailored to your unique needs.
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Comprehensive Insurance Policies
Protect your family, your assets, and your business with policies structured by industry-leading providers.
Home Insurance
Shield your property, personal belongings, and family liability against unexpected disasters and damages.
- Property damage protection
- Personal property coverage
- Temporary living expenses
Auto Insurance
Drive with peace of mind with tailored auto coverage options protecting you, your passengers, and your vehicles.
- Comprehensive & collision
- Bodily injury liability
- Roadside assistance add-ons
Landlord Residence
Specialized risk protection for landlords, property management firms, apartment complexes, and rental properties.
- Multi-family property coverage
- General liability for landlords
- Loss of rental income protection
Commercial Business
Ensure your business continuity with tailored commercial coverage spanning liability, property, and workers' comp.
- General business liability
- Business interruption coverage
- Workers' compensation solutions
An Independent Agency Working For You
Unlike direct insurance companies that only offer their own products, we represent a carefully selected group of top-tier insurance carriers. This independence allows us to customize your policy to maximize your protection and minimize your premium.
Multiple Options, One Agency
No need to search dozens of websites. We compare rates and coverage options for you to find the perfect fit.
Personalized Client Support
When you call, you speak to a local licensed agent dedicated to understanding your family or business objectives.
Hassle-Free Claims Assistance
If disaster strikes, we advocate for you, guiding you step-by-step through the insurance claim process.
Frequently Asked Questions
Get quick answers to typical questions about our independent brokerage model and lines of coverage.
Traditional "captive" agents work for a single insurance carrier (like State Farm or Allstate) and can only offer their company's specific policies. As an independent broker, Dhan Insurance works with multiple top-rated national carriers. This allows us to compare rates and coverages impartially, finding you the absolute best value without carrier bias.
No, there are zero extra fees to use our services. Insurance carriers pay independent brokers a standard commission. The rates we provide are exactly the same—and often lower—than what you would get buying directly, because we bundle options and optimize your eligible discounts across multiple providers.
Landlord Residence insurance is designed for owners of multi-family buildings, apartment complexes, mixed-use commercial/residential spaces, and rental portfolios. It combines property damage coverage (for structures and centralized systems like HVAC or elevators) with general liability for landlord operations and critical loss-of-use coverage to protect rent revenues during repairs.
Once you submit your quote intake form online, a licensed broker begins reviewing your details and searching our carrier network. In most cases, personal lines (Home & Auto) can be compiled and sent to you within 2-4 business hours. Commercial lines (Residence & Business) require more complex underwriting assessments and typically take 24 hours.
Our Coverage Options
We provide full-service insurance solutions. Select a line of coverage below to explore detailed benefits.
Personal Lines
We protect what matters most to you and your family. From your primary residence to your daily driver, our personal policies offer peace of mind.
Commercial Lines
For landlords, developers, and local businesses. Our commercial coverages mitigate business risks and safeguard commercial properties.
Home Insurance
Protecting your biggest investment and the family that resides within.
Complete Protection for Your Home
Your home is more than just four walls—it is where life happens. A standard home insurance policy protects your house structure, personal belongings, and provides critical liability protection. At Dhan Insurance, we audit your property risk to build a policy that fits.
Key Benefits Included:
- Dwelling Coverage: Pays to repair or rebuild your home's physical structure if damaged by covered hazards like fire, windstorm, hail, lightning, or vandalism.
- Personal Property: Covers the cost of replacing your furniture, electronics, clothing, and other personal items inside the home.
- Liability Protection: Protects you financially if someone is injured on your property or if you accidentally cause property damage to others.
- Loss of Use: Provides living expenses (temporary rental, meals) if your home is rendered uninhabitable due to a covered claim.
Auto Insurance
Keep your vehicles and passengers safe on the road with customized coverage.
Personalized Car Insurance Policies
Every driver is different. Whether you commute daily, drive a family SUV, or have a teen driver in the household, we find the right coverage balance. We represent major auto insurance companies, allowing us to find discounts for bundling, good driving, and multi-vehicle accounts.
Key Auto Coverage Options:
- Collision Coverage: Covers damage to your vehicle resulting from an accident with another car or object, regardless of fault.
- Comprehensive Coverage: Protects against non-collision losses including vehicle theft, vandalism, animal strikes, glass breakage, or weather damage.
- Liability Coverage: Required in almost all states. Pays for third-party bodily injury and property damage expenses you cause while operating a vehicle.
- Uninsured/Underinsured Motorist: Shields you and your passengers if you are struck by a driver who carries inadequate or zero auto liability limits.
Landlord Residence Insurance
Protecting multi-family properties, rental portfolios, and mixed-use commercial buildings.
Comprehensive Real Estate Risk Management
Owning residential rental property carries unique risks. From multi-family apartment buildings and triplexes to large mixed-use commercial properties, landlord liability and property damage can severely impact your yield. We draft specialized policies that guard your equity and cash flow.
Key Commercial Property Coverages:
- Commercial Property Damage: Protects physical building structures, common areas, utility systems, and landlord-owned machinery/tools.
- General Liability for Landlords: Guards against claims of bodily injury occurring in common spaces, walkways, or structural failures.
- Loss of Rental Income: Replaces lost rental cash flow if tenants must evacuate the property due to a covered structural fire, flood, or storm repair period.
- Equipment Breakdown: Covers repair costs for high-value centralized utility systems (elevators, commercial boilers, HVAC units).
Commercial Business Insurance
Custom-built policy portfolios to safeguard your operations, employees, and revenue.
Complete Business Continuity Solutions
Your business is your livelihood. To grow confidently, you need a robust safety net. Dhan Insurance works with retail stores, service firms, contractors, and corporate offices to identify operational liabilities. We assemble custom business portfolios spanning essential insurance protections.
Core Commercial Insurance Components:
- General Liability: Protects against third-party lawsuits alleging bodily injury, property damage, or advertising injury (libel/copyright).
- Business Owner's Policy (BOP): Bundles general liability and commercial property coverage into a single cost-effective policy package designed for small businesses.
- Workers' Compensation: Mandated in most states. Covers medical expenses and lost wages for employees injured while on the job.
- Professional Liability (E&O): Protects service providers (consultants, accountants, IT firms) against claims of negligence or mistakes that cost clients money.
Specialized Insurance Solutions
Highly specialized coverages for properties, operations, and complex risks. Available exclusively via direct agent advisory or in-person consultation.
Additional Lines of Coverage
While we provide standard automated quoting options for Home, Auto, and core Commercial lines, we also specialize in structuring coverages for highly complex risks. Explore our additional services below.
General Liability Insurance
Covers third-party claims of bodily injury (such as a slip-and-fall on-site), property damage, and legal defense costs. Typically required by lenders and commercial lease agreements.
Ordinance or Law Coverage
Pays for the cost of rebuilding undamaged parts of a structure or upgrading damaged parts to match current municipal building codes. Covers demolition of undamaged parts and increased construction costs, which is highly recommended for older buildings.
Equipment Breakdown (Boiler & Machinery)
Covers sudden and accidental mechanical or electrical failures of essential systems such as HVAC units, boilers, elevators, and electrical panels. High relevance for multi-family residential complexes, hotels, and office buildings.
Tenant Improvements & Betterments (TIB)
Covers permanent physical upgrades, alterations, fixtures, and custom build-outs made to a commercial lease space by the tenant. Heavily utilized in retail shopping centers and office lease agreements.
Vacant Property Insurance
Standard property policies exclude vandalism and water damage if a building is unoccupied for more than 60 days. This coverage secures vacant assets during renovations or extended leasing downtime.
Flood Insurance (NFIP or Private)
Standard hazard policies exclude flood damage. We structure NFIP and private flood policies, which are mandatory for lender compliance in FEMA designated high-risk flood zones (A/AE/V).
Windstorm / Named Storm Coverage
Provides critical storm protection in coastal and wind-exposed areas where standard policies carry wind exclusions. Typically features a separate percentage deductible (typically 2% to 5% of building value).
Earthquake Insurance
Optional seismic property coverage protecting structural assets, equipment, and contents in active earthquake regions.
Terrorism Insurance (TRIA)
Provides coverage for certified national security and terrorism events, commonly added as an optional endorsement to commercial portfolios.
Umbrella / Excess Liability
Provides an extra layer of liability protection by extending coverage limits above your primary policies (e.g., adding $5M over primary $1M limits). Vital for securing large real estate portfolios and commercial lease agreements.
Professional Liability (E&O)
Errors and Omissions protection that covers property managers, consultants, and advisors from claims of negligence, advice mistakes, or failure to perform professional services.
Directors & Officers (D&O)
Protects owners, executive teams, and partners from legal claims alleging wrongful acts in management decisions. Crucial for REITs, syndicates, and corporate partnerships.
Builder’s Risk Insurance
Secures building structures, materials, and equipment on-site during active ground-up construction or major structural renovations.
General Contractor Liability
Comprehensive liability protection required to shield developers, general contractors, and construction phases from operational liabilities.
Surety Bonds
Guarantees fulfillment of contract obligations, licensing regulations, or court rulings. We structure commercial, contract, court, and fidelity bonds to satisfy regulatory requirements and secure project contracts.
Cyber Liability Insurance
Protects businesses from financial losses resulting from cyberattacks, data breaches, ransomware, and system outages. Covers forensic investigation, legal defense, customer notification, and business interruption losses.
About Dhan Insurance
Learn about our history, our dedication, and the team serving our policyholders.
Serving The Colony & Beyond
Dhan Insurance is a premier independent insurance agency serving families and business owners. We are licensed in Texas, Oklahoma, California, New Jersey, Colorado, Georgia, and Florida. Established on the core values of integrity, advocacy, and direct personal service, we make navigating the complex world of insurance simple and stress-free.
As independent brokers, we represent you—not the insurance carriers. We write policies through a hand-selected network of the country's top-rated national carriers (including Progressive, Travelers, Nationwide, Chubb, and Liberty Mutual). This allows us to compare multiple rates in real-time, uncovering hidden bundle discounts and local rate credits that direct agents can't access.
Independent Choice
We write for 20+ top national carriers. If your rates change, we do the shopping for you to ensure you always get the best value.
Local Advocacy
From coverage analysis to helping you file a claim, our office in The Colony acts as your personal adviser every step of the way.
Purvang Patel
Purvang has over 12 years of commercial and personal insurance experience. He works closely with families and business owners across our licensed states (TX, OK, CA, NJ, CO, GA, FL) to structure comprehensive, optimized coverage plans and find the best rates across our carrier networks.
Contact Our Agency
Get in touch with an agent, file an inquiry, or visit our local office. We are here to assist you.
Send Us a Message
Have a question about a policy or need help submitting a quote? Drop us a line below.
Office Information
Stop by or contact us directly. Walk-ins are always welcome during business hours.
Office Address
4815 State Hwy 121, Suite 2The Colony, TX 75056
Main Office Line
Phone: 469-421-0242
Direct Phone Line
Phone: 972-798-4955
Email Inquiry
Email: Insurance@homewithloan.com
Hours of Operation
Monday – Friday: 10:00 am – 8:00 pm
Saturday & Sunday: Closed
Privacy Policy
Effective Date: June 23, 2026
1. Information We Collect
We collect personal information that you voluntarily provide to us when requesting an insurance quote, contacting us, or subscribing to our services. This information may include:
- Name, email address, phone number, and physical mailing address.
- Property details (for home and landlord insurance).
- Vehicle and driving history (for auto insurance).
- Business operations and revenue details (for commercial policies).
2. How We Use Your Information
We use the information we collect to:
- Analyze your underwriting risk profile and request quotes from our carrier partners.
- Contact you regarding quotes, policy binding, renewals, or customer service requests.
- Provide SMS alerts, calls, or email confirmations based on your explicitly provided contact information.
3. Information Sharing and Disclosure
We do not sell, rent, or trade your personal information. We share your information only with selected top-tier insurance carriers to secure competitive quotes and policy binding on your behalf. All sharing complies with state and federal regulations.
4. Security of Your Data
We implement industry-standard administrative, technical, and physical security measures to safeguard your personal data from unauthorized access, disclosure, or alteration.
5. Contact Us
If you have any questions regarding this Privacy Policy or our data practices, please contact us at:
Dhan Insurance
4815 State Hwy 121, Suite 2
The Colony, TX 75056
Phone: 469-421-0242
Email: Insurance@homewithloan.com
Terms of Use
Effective Date: June 23, 2026
1. Acceptance of Terms
By accessing or using the Dhan Insurance website, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.
2. No Binding Authority
IMPORTANT: Submitting a quote intake form, contact message, email, or chat request does not bind, alter, or activate insurance coverage. No policy can be bound or modified online. All coverages must be explicitly confirmed and bound in writing by a licensed agent of Dhan Insurance.
3. Accuracy of Information
Quotes provided on this site are estimates based on the information you submit. Final rates and coverage eligibility are determined by third-party insurance carriers under underwriting review. We make no guarantees regarding rate accuracy or policy approval.
4. Limitation of Liability
Dhan Insurance, its partners, and employees shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of or inability to use this website, including errors, omissions, or transmission failures.
5. Intellectual Property
All brand logos, text, designs, and visual assets are the property of Dhan Insurance or our respective insurance carrier partners and are protected by copyright and intellectual property laws.