Personal Insurance Solutions in Ballinger, TX — Protection for Every Stage of Life
Comprehensive Coverage That Fits Your Life in Texas
Life can be unpredictable, and protecting what matters most shouldn’t be complicated. Whether you own a home, drive in Texas, or want to secure your family’s future, Willingham Insurance Agency offers personal insurance solutions tailored to your needs. We simplify the process by assessing your unique risks — from your vehicles to your valuables and life insurance — and crafting a policy mix that gives you true peace of mind. Serving Ballinger and the surrounding region, our team ensures you get the right coverage with the personal attention you deserve.
Client Testimonials
Trusted by Texas Families for Over a Century
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Everything Included in Personal Insurance
Auto Insurance
Protects your vehicles, passengers, and finances after an accident. We compare policies and carriers so you get coverage that’s right for your budget and lifestyle.
Homeowners Insurance
Covers your house, belongings, and personal liability. Whether you own or rent, we tailor coverage to Texas-specific risks like storms and property damage.
Boat & Watercraft Insurance
Ensures your recreational vehicles are covered on and off the water. We help you select options for boats, jet skis, and more, so your fun stays protected.
Flood Insurance
Standard home policies often exclude flood damage — we explain the risk and offer dedicated solutions for Texas flood zones.
Life Insurance
Secure your family’s future with term or whole life options. Our team guides you through every stage and helps you choose the right amount and type of coverage.
Personal Umbrella Insurance
Adds an extra layer of liability protection above your standard policies. For families with assets to protect, this means broader peace of mind.
How the Personal Insurance Process Works
Having the right coverage is easier than you think. Here’s how Willingham Insurance Agency makes personal insurance simple and stress-free:
Needs Analysis:
We review your assets, risks, and priorities to identify coverage gaps.
Policy Comparison:
Our agents shop top carriers for the best mix of price, coverage, and service.
Bundling Options:
Combine auto, home, or more for convenience and possible savings.
Easy Enrollment:
We handle paperwork and keep you informed every step.
Ongoing Support:
If life changes or you have a claim, just call — we’re here to help.
Your Personal Insurance Questions, Answered
What personal insurance policies do I really need in Texas?
Most families benefit from auto, home or renters, and life insurance. We assess your unique situation to make tailored recommendations and ensure nothing important is missed.
Can I bundle my auto and home insurance?
Yes! Bundling policies often saves money and simplifies management — we’ll help you find the best combination for your needs.
What happens if I need to file a claim?
Simply call our office. Our local team guides you through the process and works with reputable carriers for smooth, fair outcomes.
Is flood insurance required?
In certain Texas areas, flood coverage is highly recommended (and sometimes required). We’ll explain the risks and help you decide if it’s right for your home.
Why choose an independent insurance agency?
As independent agents, we compare multiple companies to find the policy that works best for you — no one-size-fits-all solutions.
Protect What Matters Most — Start With a Personal Insurance Quote
Willingham Insurance Agency helps families in Ballinger and across Texas feel confident and secure, no matter what life brings. Reach out today to find out how our personal approach and broad carrier network make insurance simple and reliable.