A ten-year Farmers® book with the loss ratio underwriters dream about. Established multi-line Farmers Insurance exclusive agency book in central San Antonio's Castle Hills corridor, serving a loyal, heavily bilingual (English/Spanish) customer base since ~2016. The numbers, plainly: roughly $1.
25M in gross written premium over the trailing 12 months, 469 policies in force (565 counting autos by vehicle) as of June 2026, plus 93 life policies, and $112,067 in 2025 commission revenue. The mix is what makes this one interesting: about 44% home, 35% auto, and an 18% commercial concentration — well above the typical personal-lines-only book — at an average of $186 commission per policy. Loss ratio is running near 30%, far below carrier thresholds: this is a clean, profitable book a carrier wants to keep on its paper.
Why the clean slate is a feature: zero staff transfer. You inherit the renewals and the customer relationships, and build your own team — with recruiting, licensing, and onboarding support from Farmers District 46, one of the top-performing Farmers districts in the country. Who this is for: a builder.
The owner's focus has shifted to his family's businesses in another industry — which is exactly why there's cross-sell room left in this book. It rewards an owner who works it: room in life and commercial, a bilingual market position competitors can't fake, and a service-heavy renewal base to fund the ride. Buyer must be approved and appointed by Farmers Insurance (licensing required).
Serious inquiries receive a detailed confidential overview after a qualification conversation. Bank financing is common for Farmers books; a complete lender report packet is ready. Contact the District 46 office to start the conversation.