Susan Hedary
Founder, Owner & Principal Agent • Rainbow Insurance Agency
About Susan Hedary
Susan Hedary founded Rainbow Insurance Agency in 1993 with a clear mission: to provide Fort Worth families, drivers, and local business owners with honest, independent insurance advocacy. For over three decades, Susan has helped North Texas policyholders navigate complex insurance requirements, from mandatory Texas liability limits and DPS SR-22 filings to commercial fleet coverage and storm-resilient homeowners policies.
As an independent agent, Susan does not work for an individual corporate insurance carrier. Instead, she and her team shop and compare available coverage options across more than 56 insurance carriers and specialty markets to locate policies that match each client's specific budget and risk profile.
Core Practice Areas
Personal Auto, Texas SR-22 Filings, Non-Owner Policies, Homeowners, Wind/Hail Deductibles, Commercial Auto, General Liability, and Mexico Tourist Auto Insurance.
Agency Office
2209 8th Ave, Fort Worth, TX 76110-3412.
Bilingual team (Se habla español) offering walk-in and over-the-phone policy consultations.
Articles Authored & Reviewed
Independent guides, Texas regulatory explanations, and practical coverage advice.
Motorcycle, RV, and Boat Insurance in Fort Worth: The DFW Recreational Rider's Guide
Your car insurance doesn't cover your motorcycle, RV, boat, or ATV. Here's what each needs, real 2026 Texas rates, and the storage-only trick that saves seasonal riders 40-60%.
Renters Insurance in Fort Worth: Why It's Cheap and Why You Need It
Renters insurance in Fort Worth averages $15-25/month — less than most streaming services. Your landlord's policy doesn't cover your stuff. Here's what a real policy costs and covers in 2026.
How to Get Cheap Car Insurance in Fort Worth With a Bad Driving Record
A speeding ticket raises Texas rates 26% average for 3 years. Multiple violations or a DWI can double them. Here's how to find affordable coverage anyway, plus the non-standard carriers most agents don't offer.
Small Business Insurance in Fort Worth: What Every DFW Owner Needs
The 4 policies every DFW small business needs — GL, BOP, commercial auto, workers comp — and Texas's unique opt-out rule that trips up most owners. Rainbow serves DFW businesses since 1993.
Mexico Auto Insurance for Texas Drivers: Border Crossing & Coverage Guide (2026)
Planning to drive across the border into Mexico from Texas? Learn essential policy territory differences, Mexican federal liability requirements, border checklists, Banjercito permits, and how to prepare. Call Rainbow Insurance Agency at 817-922-8031.
Texas 30/60/25 Insurance Explained: What Fort Worth Drivers Need to Know
30/60/25 is Texas's minimum required auto liability — but with the average new car costing $47K in 2026, it's dangerously thin. Here's what the numbers mean and when you're on the hook personally.
Fort Worth Roof Age and Homeowners Insurance: What Carriers Actually Check in 2026
Roof age, material, condition, and storm history can affect Fort Worth homeowners insurance in 2026. Learn what carriers check, how ACV differs from replacement cost, and how to prepare your policy.
¿Cuánto Cuesta la Aseguranza de Carro en Fort Worth? Guía 2026
Rango 2026 $80-$260 al mes según su historial. Rainbow compara más de 56 aseguradoras — llame al 817-922-8031, hablamos español.
Cheapest Car Insurance in Fort Worth: 2026 Rates & Real Quotes
Fort Worth car insurance averages $2,480/yr for full coverage — about 2% above the Texas average. Here are real 2026 carrier rates and the 10 discounts most drivers miss.
SR-22 vs. FR-44: What Texas Drivers Need to Know in 2026
Texas drivers usually need an SR-22, not an FR-44. Learn the difference, Texas DPS filing rules, non-owner options, lapse risks, and what Fort Worth drivers should do next.
Fort Worth Home Insurance in 2026: What Hail Season Really Costs You
Hail causes 70% of Texas homeowners claim dollars. Fort Worth homeowners face 1-2% wind/hail deductibles that can hit $8,000+ on a $400K home. Here's what to know before the next storm.
How Credit Scores Affect Fort Worth Car Insurance in 2026
Texas insurers may use credit-based insurance scores when pricing personal auto coverage. Learn what Fort Worth drivers can do in 2026 to check errors, request exceptions, and compare rates.
How Much Does SR-22 Insurance Cost in Fort Worth? (2026 Rates)
SR-22 in Fort Worth costs $15-50 to file plus $101-229/month in 2026, depending on carrier and coverage. Here's the full breakdown, including the underused non-owner option.
Understanding SR-22 Requirements in Texas
Who needs an SR-22 in Texas, how long the requirement lasts, and what happens if your coverage lapses.
Choosing the Right Auto Insurance Coverage in Texas
Liability, collision, comprehensive and uninsured motorist coverage — what each one actually pays for.
Homeowners Insurance Explained for Fort Worth & Tarrant County
Dwelling limits, replacement cost, and why North Texas wind and hail deductibles work differently.
Insurance Tips for New Homeowners in Fort Worth & Tarrant County
What to line up before closing, and the coverage gaps that catch first-time buyers in Tarrant County.
A Small Business Insurance Guide for DFW Owners
General liability, BOP, workers comp and commercial auto — what a DFW small business actually needs.
How to Save Money on Insurance in Fort Worth (Top Strategies)
Bundling, deductible strategy and the discounts most Fort Worth drivers never think to ask for.