Texas auto insurance, ranked honestly — from Houston, for the people shopping on their phone at midnight.
Last checked: 2026-11-01
Along the way — who we are
Eat Cake U is Raphael Morales's house in Houston, Texas. This room of it does one thing: it reads the public record on insurance companies and prints what it finds, ranked by a method you can check yourself. We are not an agency, not a brokerage, and not a quote site. As you read, we'll keep telling you — in the flow, not in fine print — how each ranking was made and what this house earns. That's the deal.
The fences — read these first
We never sell insurance.No policies, no binding, no commissions, no “get a quote” buttons that pay us. We are not an agency or a brokerage, on purpose.
Nobody buys a rank.A ranking moves only when the public data moves. There is no sponsored spot inside a ranking, at any price, ever.
Every dollar disclosed.As of today, this house has taken $0 from any insurer. Sponsorship space opens only after legal review, is sold as space — never position — and will be disclosed right here. What readers give freely is passed a plate, below — also disclosed.
Public data only.Every number below names its source, and our sources are kept with retrieval dates. If we cannot verify a number, we print it as missing — we never fill one in.
Texas law backs the first fence: Texas Insurance Code §4005.053 forbids paying an unlicensed person a commission or a referral fee tied to an insurance purchase. We rank; we don't sell — the law and the doctrine agree.
The Texas Auto Shelf
Each insurer gets a House Score from 0 to 100, built by the printed method from four public records: the Texas complaint index (40 points of the weight), J.D. Power's Texas satisfaction survey (25), AM Best financial strength (20), and TDI disciplinary orders since 2022 (15). The complaint index is each company's share of confirmed complaints filed with the Texas Department of Insurance (TDI), divided by its share of Texas auto policies — 1.00 is exactly average; below means fewer complaints than a company its size should draw, above means more. Only insurers open to the general public and writing at least 50,000 Texas auto policies are scored, with sister companies combined into their parent group.
Along the way — how this ranking was made
One formula, the same for every company, printed in full in The Method below — weights, arithmetic, tie rules, and what happens when data is missing. If your numbers differ from ours, the method shows whose arithmetic moved. Nothing about the order was negotiated, sponsored, or adjusted by hand after scoring.
This is a data ranking, not a price ranking — yet. No premiums appear on this shelf. Real price checks for the standard profiles below will join as the method matures, gathered openly. We will never submit your information to a quote engine, and we will never print a price we cannot source.
#
Insurer
House Score
TDI complaint index (TX, 2025)
Satisfaction in Texas (J.D. Power 2025, of 1,000)
AM Best strength
TDI orders since 2022
1
State Farm
The country's largest auto insurer, and Texas's by premiums after Progressive. AM Best cut its top rating from A++ to A+ in November 2025 — some directories still show the old grade; we print the newer one.
81.1
0.33
645
A+
1
2
Germania
Texas-only mutual, based in Brenham since 1896. The cleanest complaint record of any major Texas carrier — 0.11 is nine times cleaner than average. A smaller strength grade (B++) is what keeps it second.
76.6
0.11
642
B++
1
3
Progressive
Writes more Texas auto policies than any other single company — about 3.3 million — and takes about 23% of all Texas auto premiums.
76.0
0.66
620
A+
1
4
Texas Farm Bureau
Texas-only, protecting Texas families since 1952. You must be a Farm Bureau member to buy — anyone can join, but the membership is a real extra step. No TDI orders located since 2022.
75.6
0.52
628
B++
None located
5
GEICO
Best satisfaction score on this shelf and the strongest AM Best grade — and, in February 2025, a TDI order to pay more than $18 million in restitution to over 80,000 Texas policyholders over rating and premium practices. Both things are true; both are printed. It ties Liberty Mutual at 72.8 and sits ahead on the printed tie rule (lower complaint index).
72.8
0.76
651
A++
3
6
Liberty Mutual
Ties GEICO on score and loses the tie on complaints: 42% above the Texas market rate. No TDI orders located since 2022, which is what keeps it this high. Its Texas premium volume shrank from $1.1B in 2024 to about $775M in 2025 (TDI data).
72.8
1.42
632
A
None located
7
Allstate
Complaints a little better than average; satisfaction a little below the Texas average; three TDI orders since 2022 weigh on the score.
68.7
0.83
636
A+
3
8
Farmers
Its complaint index is below average — but three TDI orders since 2022 and below-average Texas satisfaction pull its score under Allstate's. A single yardstick would have hidden that; the method doesn't.
66.2
0.70
620
A
3
9
Loya (Fred Loya)
El Paso-based since 1974, budget-focused, sold all over Houston. In 2025 it drew 209 of Texas's 2,480 confirmed auto complaints at company level — about 8% of the whole state's complaints on roughly 1% of its policies. It is also the only company on this shelf with no financial strength rating from any agency, so part of its score is honestly missing — its record is labeled Partial, and the missing piece is shown, never filled.
28.9
7.77
581
Not rated
None located
The Texas satisfaction average is 640 (J.D. Power 2025 U.S. Auto Insurance Study, Texas region; 48,121 customers surveyed nationwide). AM Best grades financial strength — whether a company can pay — from A++ (Superior) down; B++ is still classified “Good.” TDI orders count disciplinary orders the state has posted since 2022; “None located” reports a searched result, not a guarantee. Scores use the full record unless labeled Partial — Loya's 28.9 is computed over the three criteria that exist for it, per the missing-data rule in the method.
The full record — every data point we could collect
The shelf above is the score. This is everything underneath it: every verifiable public data point we could gather on each company, pulled the same way for all of them (the fixed steps are in the method). Where a number doesn't exist in public, the card says so — shown as missing, never smoothed over. One honest limit, up front: Texas does not publish complaint breakdowns by type (claims vs. billing vs. underwriting) per company, and per-company 2025 complaint counts are published for only some companies — both are on our tracked list, retried at every quarterly full-house check-back. Statewide context: Texas auto premiums written in 2025 totaled about $35.4 billion (TDI), and filed Texas auto rates rose an average of 4.8% in 2024 and 0.9% in 2025 (TDI rate-filing data). App ratings are dated observations, retrieved November 1, 2026 — stores move them daily. Discount names are as each company publishes them; availability varies by policy.
Index 0.33 (2025). Per-company 2025 count not published — tracked. Cumulative validated complaints Apr 2011–Feb 2026: 1,480 (State Farm Mutual, TDI data via Dow Law Firm)
NAIC index (nat.)
0.79 (CarInsurance.com's NAIC compilation; compiler doesn't state its NAIC year)
Satisfaction
Texas 645 (J.D. Power 2025) · Claims satisfaction 716 nationally (J.D. Power, via published tabulation; study average 700)
Strength
AM Best A+ (downgraded from A++ Nov 2025)
TDI orders
1 since 2022
Texas size
$6.3B premiums written 2025 (TDI) · ≈18% of the Texas market (S&P Capital IQ)
Rate filing
−3% overall change effective Dec 2025 (BoringRate tracker of regulator filings)
Founded
1922
App
Apple 4.8 (1.3M ratings) · Google Play 4.6 (499K)
Discounts listed
Good Student (to age 25) · Student Away at School · Driver Training · Defensive Driving · Good Driver (3 clean years) · Vehicle Safety / Passive Restraint · Anti-Theft · Steer Clear® (under-25)
Drive program
Drive Safe & Save® (up to 30% by driving, per State Farm)
Rideshare
Yes — Transportation Network Company driver endorsement, app-on to drop-off
Index 0.66 (2025). Per-company 2025 count not published — tracked. Cumulative validated complaints Apr 2011–Feb 2026: 1,564 (Progressive County Mutual — the most in that study; it is also the biggest writer)
NAIC index (nat.)
0.71 (CarInsurance.com compilation)
Satisfaction
Texas 620 (J.D. Power 2025) · Claims score not in the published tabulation — tracked
Strength
AM Best A+
TDI orders
1 since 2022
Texas size
$8.2B premiums written 2025 (TDI) · ≈23% of the market (S&P) · 3,306,121 Texas auto policies — most of any single company
Rate filing
No 2024–25 change located in public trackers; next filed change −2.5% effective Feb 2026 (tracker)
Founded
1937
App
Apple 4.8 (864K ratings) · Google Play 4.6 (273K)
Discounts listed
Multi-policy / bundling · Good Student · Teen (18 & under) · Pay in Full / Automatic Payments · Loyalty Rewards · its full itemized discounts page didn't render in our pull — complete list tracked, not guessed
Drive program
Snapshot®
Rideshare
Yes — rideshare add-on to a personal policy, per its site
Signature
Accident forgiveness (small claims; and any claim after 5 years, per its site) · PerkShare®
4 · Texas Farm Bureau — 75.6Full record · membership required
Index 0.83 (2025). Per-company 2025 count not published — tracked. Cumulative validated complaints Apr 2011–Feb 2026: 845 (Allstate Fire & Casualty, TDI data via Dow Law Firm)
NAIC index (nat.)
1.10 (CarInsurance.com compilation) — a second NAIC compilation prints 2.45; compilations conflict, see Sources
Satisfaction
Texas 636 (J.D. Power 2025) · Claims score not in the published tabulation — tracked
Strength
AM Best A+
TDI orders
3 since 2022
Texas size
$3.7B premiums written 2025 (TDI) · ≈10% of the market (S&P)
Rate filing
No 2024–25 change located in public trackers — tracked (increases reported in Oct 2026 coverage fall outside this shelf's window)
Founded
1931
App
Apple 4.8 (1.3M ratings) · Google Play 4.1 (126K)
Discounts listed
Safe Driver (to 40%) · Multi-Car (to 25%) · Drivewise (to 30% for the safest drivers) · Bundle home + auto (to 20%) · Good Student · Student Away · Pay in Full
Drive program
Drivewise
Rideshare
Yes — Ride for Hire®, covering the gap between personal and rideshare-company coverage
Signature
Replacement protection (up to the cost of a new car if a car two model years old or less is totaled)
Signal® — initial discount for using the app, more by score
Rideshare
Yes — Farmers Rideshare covers the logged-in, waiting-for-a-ride gap
Signature
New Car Replacement (same make/model if totaled in first two model years / 24,000 miles) · Accident Forgiveness (one at-fault accident forgiven every three years, when purchased)
Complaint 0 · Satisfaction 32.4 · Strength missing · Regulatory 100 — score computed over the 80 points that exist, per the missing-data rule
Complaints (TX)
Index 7.77 (2025). Confirmed complaints 2025: 209 (company level, TDI dataset) · 228 (Loya Group, TDI market report) — both printed because the bases differ · 296,590 policies written by the group in 2025
NAIC index (nat.)
4.98 (WalletHub's NAIC compilation; compiler doesn't state its NAIC year)
Satisfaction
Texas 581 (J.D. Power 2025) — lowest on the shelf · Claims score not in the published tabulation — tracked
Strength
No financial strength rating from any agency found — AM Best does not rate it; reviews (NerdWallet, AutoInsurance.com) confirm no third-party rating is publicly available
TDI orders
None located since 2022
Texas size
Below TDI's published top-10 groups — premiums figure tracked
Rate filing
No 2024–25 change located in public trackers — tracked
Founded
1974 (El Paso, Texas)
App
No official app found in either store — a Play listing under its name belongs to an unrelated third party; Loya doesn't advertise an app
Discounts listed
Multiple Car · Prior Insurance · Homeowner · Good Driver · New Car · Good Student · Claim Free · Safe Driver · EFT · Renewal · Preferred Payment · Family · Vehicle Alarm (its page notes discounts vary by state)
Drive program
None found on its public pages
Rideshare
No public offer found — not yet verified; ask before app work
Signature
None found on its public pages
Two honest special cases
USAA — if you can get it, look hard at it. USAA sells only to military members, veterans, and their families, so it sits outside the public shelf by eligibility, not by record. Its Texas satisfaction score, 732, is the highest recorded in the state, and its claims satisfaction, 741, tops the national study tabulation. Its Texas complaint index, 1.44, runs above the market average; its AM Best strength is A++; it wrote $3.1B of Texas premiums in 2025 (TDI), about 9% of the market. Founded 1922. App: Apple 4.8 (2.4M ratings) · Google Play 4.7 (516K). Drive program: SafePilot® (and SafePilot Miles® for under 8,000 miles a year). Rideshare: yes — gap protection for the logged-in waiting period. Discounts it publishes include SafePilot savings, automatic payments (up to 3%), and good student. Eligibility is the whole question.
Nationwide — Texas's satisfaction winner, too small here to score fairly. Nationwide took the top official spot in J.D. Power's Texas region (657), scored 729 in the national claims-satisfaction tabulation, holds an A from AM Best and a 0.63 in the national NAIC compilation, and was founded in 1926. But it writes only 16,218 Texas auto policies and drew exactly one confirmed TDI complaint in 2025 — with a book that small, a single complaint swings an index wildly, and the method's first rule is that nobody gets scored on noise. It sits outside the ranked shelf until its Texas book, or our data, grows. Programs: SmartRide® (usage-based) and SmartMiles® (pay-per-mile); signature: Vanishing Deductible® and accident forgiveness; rideshare endorsement not currently verified. App: Apple 4.7 (73K ratings) · Google Play 4.4 (22K). The reason is printed because hiding it would be easier.
Texas basics, in plain words
The legal floor is 30/60/25. Texas law requires liability coverage of at least $30,000 for injuries to one person, $60,000 per accident, and $25,000 for property damage. That pays other people when a crash is your fault — not your car, not your body.
Still owe money on the car? Your lender will require collision and comprehensive coverage on top of liability. Paid off? That choice is yours — which is exactly where the profiles below come in.
Two protections ride along unless you refuse them in writing: uninsured/underinsured motorist coverage (for the driver who hits you and can't pay) and personal injury protection. In a city where plenty of drivers carry nothing, think twice before signing either away.
Where this data comes from is a door you can walk through too. Every complaint index point above started as a Texan filing a complaint with TDI. If a company mistreats you, file: tdi.texas.gov · TDI consumer help line 800-252-3439.
The standard profiles
When price checks join this shelf, they will be run against these exact printed profiles — the same shoppers, every time, so no company can look good by picking easy customers. Until then, the profiles stand here as the promise of how it will be done — and the builder below maps your answers onto them.
Profile A — The Alief Profile (the one this house knows best). One driver, clean record, a 2011 SUV owned outright — no loan, no lien. Liability only at 30/60/25, uninsured motorist kept, about 8,000 miles a year, parked at a Houston apartment in ZIP 77072.
Profile B — The Family Profile. Two drivers, one 2019 SUV owned outright, full coverage chosen on purpose: 50/100/50 liability, collision and comprehensive at $500 deductibles, uninsured motorist kept, Houston ZIP 77072.
Profile C — The Financed Profile. One driver, a 2022 sedan with a loan, so the lender's full-coverage requirement applies: 100/300/100 liability, collision and comprehensive, Houston ZIP 77002.
Price status: not yet verified — deliberately. Real per-profile prices cannot be honestly gathered without either quote submissions or licensed rate data. Rather than invent numbers or feed a quote engine, this shelf launches on complaint record, satisfaction, strength, and regulatory history — and says so. Price checks join as the method matures.
Your true options — the guided profile builder
Along the way — before you answer anything
This form runs entirely in your browser, on this page. Your answers are never transmitted, stored, or sold — there is no server behind this form, and reloading the page forgets everything. Cake-U law: we do not sell you. What comes back is education — the shelf re-ranked by the same printed method, weighted for what you say matters, with flags drawn only from the public record we collected. It is not licensed insurance advice, and this house sells nothing.
The method, printed plain
The fixed steps — the same for every company, every time. (1) Set the universe: public insurers writing at least 50,000 Texas auto policies, sister companies combined into parent groups. (2) Pull the TDI complaint index and every published complaint count. (3) Pull the latest J.D. Power Texas satisfaction and claims scores — one study year per shelf, never mixed. (4) Pull AM Best strength; if AM Best doesn't rate a company, look for another agency and print what exists — or that nothing does. (5) Count TDI disciplinary orders posted since 2022 and collect TDI market data (premiums written, policies). (6) Pull the public product record from each company's own site: discounts by name, drive-tracking program, rideshare endorsement, signature features — plus app-store ratings. (7) Score by the formula below, with no hand adjustments afterward. (8) Publish with sources and retrieval dates. (9) Correct errors where they stood.
The criteria and their weights. Complaint record — 40 · Customer satisfaction — 25 · Financial strength — 20 · Regulatory record — 15. A House Score is the weighted mean of four sub-scores, each 0–100: Complaint = 100 − 20 × the TDI index (floored at 0). Satisfaction = (Texas score − 500) ÷ 2.5, so 500 scores 0 and 750 scores 100. Strength = A++ 100, A+ 90, A 80, A− 70, B++ 60, B+ 50, B 40, B− 30, C++ or below 10. Regulatory = 100 − 25 × orders since 2022 (floored at 0).
Reproduce it yourself. State Farm: (40×93.4 + 25×58.0 + 20×90 + 15×75) ÷ 100 = 81.1. Every other score on the shelf falls out of the same arithmetic from the numbers printed beside it.
Missing data is shown, never filled. If a criterion has no verifiable public value, it is marked missing; the score is computed over the criteria that exist, with their weights renormalized (Loya's strength is missing, so its score divides by 80, not 100). Every score carries a record label: Full (4 of 4 criteria), Partial (3 of 4), Limited (2 or fewer). A company with no verifiable complaint index isn't scored at all — it's documented as a special case, with the reason (that's Nationwide). Missing data lowers what we can honestly say, and the label makes that cost visible without inventing a penalty.
Ties. Equal printed scores are broken by the lower complaint index, then by more Texas policies in force, then the companies print as tied. GEICO and Liberty Mutual sit at 72.8 today; GEICO's 0.76 index beats 1.42, so GEICO prints fifth.
Freshness — the snapshot check-backs. This house doesn't claim to be live. Every figure is a dated snapshot from a public source, and freshness is kept by check-backs on a printed rhythm. Electricity labels are re-pulled every month — plans churn too fast for anything slower. Seasonal windows are checked in their season: health open-enrollment facts every November, tax-season free-tier terms every January. And every January, April, July, and October, the whole house is re-verified shelf by shelf — every step re-run, every score recomputed, every tracked gap retried. Between check-backs, corrections (a new TDI order, a rating change, a found error) land where they stand and are labeled as corrections. Every snapshot is dated and every change is published openly — nothing here is silently edited — and each shelf prints its own last checked date at the top, so you can see exactly how fresh the page in front of you is.
What we never use. Advertising, sponsorship, an insurer's own claims about itself, reviews we cannot verify, and — for now — prices we cannot honestly source. A national complaint index (the NAIC's) exists too; we print it in the full record as context, but Texas drivers are ranked on the Texas yardstick. Note honestly: the two national compilations we pulled disagree with each other for several companies, and neither states its NAIC year — the record shows both where they conflict.
The intake uses this same method. “Your true options” changes only the weights — Cheapest legal: complaint 50 / satisfaction 15 / strength 15 / regulatory 20 · Balanced: the shelf weights · Max protection: complaint 25 / satisfaction 30 / strength 35 / regulatory 10 — and attaches flags from the public record (a rideshare endorsement, a good-student discount, a lender's requirement). It never removes a company silently, and it names the factors no public data can rank.
Sources. Texas Department of Insurance complaint data, market reports, and consumer guide (tdi.texas.gov) · the Reyes Law compilation of TDI complaint indexes, orders, and AM Best ratings · Insurance Council of Texas market reports (TDI data) · J.D. Power 2025 U.S. Auto Insurance and Auto Claims Satisfaction studies · AM Best and Demotech · NAIC data as compiled by CarInsurance.com and WalletHub · each insurer's own website · Apple App Store and Google Play listings — all retrieved November 1, 2026, and kept in full in the house's public build record.
Resumen en español
Qué es esta casa. The Comparison House es una casa de Eat Cake U que nunca vende seguros. Clasificamos compañías de seguro de auto en Texas con datos públicos, por un método impreso y reproducible: el índice de quejas de TDI (40%), la satisfacción de J.D. Power en Texas (25%), la solidez financiera de AM Best (20%) y las órdenes disciplinarias de TDI desde 2022 (15%). Nadie puede pagar por un mejor puesto.
Cómo leer la tabla. La Puntuación de la Casa va de 0 a 100; más alto es mejor. El índice de quejas compara las quejas confirmadas de cada compañía con su tamaño: 1.00 es el promedio; menos es mejor, más es peor. En 2025, Germania (0.11) y State Farm (0.33) tuvieron los registros de quejas más limpios entre las compañías grandes de Texas, y Loya (Fred Loya) el peor (7.77). Con la puntuación completa, State Farm encabeza la tabla (81.1). Si falta un dato, se muestra como faltante — nunca se inventa.
Sus opciones verdaderas. El formulario de arriba corre solo en su navegador: sus respuestas nunca se envían, no se guardan y no se venden. Reordena la tabla con el mismo método, según lo que usted diga que importa, y marca lo que consta en el registro público — por ejemplo, qué compañías ofrecen cobertura para conductores de aplicaciones.
Lo mínimo en Texas es 30/60/25: $30,000 por persona lesionada, $60,000 por accidente y $25,000 por daños a propiedad. Eso paga a los demás, no su carro. Si todavía debe dinero por el carro, el prestamista exige cobertura completa.
Esta casa se sostiene con una colecta, no con comisiones. Abajo puede pasar la canasta — con dinero, con un minuto, con un clic o compartiendo la página. Todo es voluntario; la tabla es gratis de cualquier manera.
Si una compañía le trata mal, puede quejarse con el Departamento de Seguros de Texas: tdi.texas.gov · ayuda al consumidor 800-252-3439. De esas quejas sale esta tabla.
House products & sponsorship
Along the way — what this house earns, and from whom
Today, exactly this: $0 from any insurer. No commission, no per-sale referral, no pay-for-placement — and Texas law would bar the per-sale kind anyway for a house that doesn't hold a license. What the house sells is its own work (the guides below, priced by Raphael when they're ready), plus space that is sold as space and labeled as space. If that ever changes, it changes on this page, in the open, before the money lands.
Prices for house products are set by Raphael and will be printed here when set; nothing below is for sale yet.
State of the Shelf — the annual ranked report: every Texas shelf, the year's complaint and rate-filing movement, in plain words. In preparation · price set by Raphael
After a Cancellation — a plain-language guide: the first 30 days after your policy is cancelled, step by step. In preparation · price set by Raphael
Your First Policy, In Plain Words — every line of a Texas auto policy translated before you sign. In preparation · price set by Raphael
After an Accident — the claims playbook: what to document, what to say, what never to sign. In preparation · price set by Raphael
SPONSORSHIP SPACE Opens after legal review. Space is sold like media and labeled like media — it buys this box, never a rank, never a word inside a ranking. Current sponsorship income: $0 · Current insurer income of any kind: $0
Pass the plate — pay how you can
This house runs on a collection plate, not commissions. The rankings above can't be bought — and a house that can't sell its rankings has to eat some other way. This is the other way. None of this is a gate. The shelf and the builder above are free whether or not you ever touch this section — Book 1 law: the ask comes after the gift, never before it. If the truth on this page just saved you money — or saved you from the wrong company — pay in whichever coin you have: money, a minute, a click, or a share. The usher is a webpage, and it is grateful.
🪙 The plate House law gives every house a tip jar — a reader who wants to say thank you can give directly. Tithes, offerings, and loose change all gratefully received; no offering buys a rank, and no tithe moves a number. That's the whole liturgy.
THE COLLECTION PLATE The jar itself is being wired. When Raphael connects this house's tip link, the plate will sit right here. Until then, the other three doors are open.
▶ Watch a word A minute of your attention is a real coin here. A short house promo will live in this slot — watch it, and you've paid for the page with time instead of money.
HOUSE WORD SLOT A short house or partner video lands here. No video is wired yet — this slot says so instead of pretending otherwise.
🔗 Follow a door Visit a partner's door in the partner space below — your click is a gift to that partner, and it costs you nothing but a browse. (The same doors open Book 2 on the books page, where a visit is how a reader earns a book free.)
↗ Share the page Pass this shelf to one person who needs it — a Houston driver shopping on their phone at midnight, like you just were. The share is the payment; the truth keeps traveling.
Every coin above is disclosed the same way every other dollar is: if it ever becomes money, it is printed on this page where it stands.
Every shelf of the Comparison House
The Comparison House is one room of Eat Cake U with one job: every bill the law or life forces on you, ranked honestly. Every shelf starts in Houston, Texas — Houston specifics first, done right — and from that base the house slowly grows its Texas catalog, shelf by shelf and metro by metro, with other states as the later horizon. All seven shelves are now open, and every one runs on the same law as this page: a printed method, public sources with dates, honesty along the way, a plate instead of commissions, and nothing gated, ever.
💡 Texas Electricity Ten CenterPoint-area plans scored from their own Electricity Facts Labels — true cost at 500, 1,000, and 2,000 kWh, fee honesty included. Date-stamped: plans churn, so the shelf says when it looked.
🩺 Health Coverage — Explained Education and navigation only — how the Marketplace, metal tiers, Medicaid, CHIP, and Medicare actually work. Open Enrollment for 2027 coverage opened November 1. Nothing recommended, nothing sold.
🧾 Taxes — The Filing Routes The genuinely free doors first (IRS Free File, VITA/TCE), then the commercial "free" doors graded on how free they really are — including the $141 million story, told straight, with its ending.
🔑 Renters Insurance TDI's own education printed straight: what it covers, the flood trap door, the $500 jewelry cap, and why your landlord's policy was never about you. Carrier ranking waits on readable TDI data — labeled, not faked.
🌊 Flood Insurance Houston-first: the Harvey sentence, NFIP's caps and 30-day wait, the private-flood myth we refuse to print, and the official doors (FEMA's map center, Harris County's own flood tool).
🧭 Benefits Navigation 2-1-1, Harris County navigators, Harris Health, SNAP, Medicaid/CHIP renewals, and Lifeline's Texas twist — explainers and paperwork traps only. This house never decides whether you qualify.
💊 Prescription Discounts How the "free" cards actually make money, the FTC's GoodRx record printed precisely, and the rules that matter at the counter. No prices promised — card prices don't keep promises.
The rest of Eat Cake U is free to walk through:
FRIEND-LEASE Connection itself is the product — a community built against the loneliness epidemic.
Stretch The Farmer of the People — poetry, galleries, and drops from the house shelf.
Tinoco Universe Learn by playing — studies that feel like a game, not a classroom.
Eat Cake U Radio The Simple Joys — the house station, music and spoken word around the clock.
The Field The House of Alexandria's front porch on Discord — authors, poets, and neighbors welcome.
Partner space
Along the way — why partners are here
The ad partners of FRIEND-LEASE hold space in every house, this one included — promoted free by the house, listed the same as on the partner wall, labeled as partners and never as insurers. Their space is a gift, not a ranking and not a sale.
The ad partners of FRIEND-LEASE hold space in every house, this one included — promoted free by the house, listed here the same as on the partner wall. (115 partners.)
Esme CozortSinger finding her electric voice — electric pop, aiming at rock
catpiss3000 (Pigeon)The artist behind 'Low All the Time'
ThirdexileAI-assisted artist, openly labeled, sharing his own songs
whispertonexAI-assisted artist, openly labeled, sharing his own songs
CherylellinturnAI-assisted artist, openly labeled, sharing his own songs
Tysonknight0121AI-assisted artist, openly labeled, sharing his own songs