About JMS Insurance Agency

Local Relationships.
Lasting Peace of Mind.

Helping Texas families and businesses make confident insurance decisions—with experienced guidance, personal attention, and coverage options built around what matters most.

Talk With Our Team Find Your Local Office
30+ Years Of insurance industry experience
Independent Agency Access to multiple insurance carriers
Three Local Offices Stafford • Needville • Cypress
An insurance consultation in a welcoming office
Personal attention. Practical guidance.

Insurance Starts With Understanding You

A Local Agency With Your Priorities in Mind

At JMS Insurance Agency, LLC, we believe good insurance starts with a conversation. Your home, family, business, and plans for the future deserve thoughtful attention—not a one-size-fits-all recommendation.

With more than 30 years of industry experience, our agency combines insurance knowledge with a caring, detail-oriented approach. Our team includes Douglas Lutz, Carla Korthauer, and Ian Lutz, who help clients understand their options and choose coverage that fits their needs.

Whether you are purchasing a home, growing a business, or reviewing protection for your family, we want you to feel comfortable asking questions and confident about your next step.

Start a conversation with us

The Independent Agency Advantage

More Options. A More Personal Approach.

As an independent agency, we work with multiple insurance companies. That gives us the flexibility to explore options based on your priorities, budget, and coverage needs.

We Listen First

We take time to learn what you want to protect, what has changed, and which concerns matter most to you.

We Explain Your Options

Price is one part of the decision. We help you consider coverage limits, deductibles, and policy details so you can make an informed choice.

We Stay Connected

Our relationship continues after you select a policy. Reach out with questions, changes, or a request to review your coverage as your needs evolve.

For Your Life and Livelihood

One Team. A Wide Range of Insurance Needs.

From everyday essentials to more specialized protection, our team helps individuals, families, and business owners explore their insurance options.

Personal Insurance

Coverage options for your home, vehicles, and personal property—with guidance that reflects your lifestyle.

Business Insurance

Insurance solutions that address the property, liability, and operational risks that come with running a business.

Specialty Insurance

Help exploring coverage for recreational vehicles, boats, motorcycles, and needs beyond a standard policy.

Life & Health Insurance

Personal guidance as you consider protection for your loved ones, healthcare needs, and the years ahead.

Close to Home

Visit Your Local Insurance Team

With offices in Stafford, Needville, and Cypress, we serve clients throughout the Greater Houston area and surrounding Texas communities.

Let’s Get Acquainted

Tell Us What Matters Most to You.

Looking for new coverage or a fresh look at your current insurance? Our team is ready to help you take the next step.

Call (832) 886-4610 Call (832) 886-4603 info@jmsins.net