Modern Risk Management
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Modern Risk Management
Modern Risk Management is here to meet the insurance needs of residents of the Houston, TX area. If you're on the market for the right insurance policy for your specific situation, we're here to help. We offer a wide variety of insurance products. Among the insurance policies we offer are home, auto, commercial, renters, recreational, motorcycle, boat/watercraft, flood, and life insurance.

As a homeowner, you spend a lot on your home every year. With home insurance, you can have coverage for any damage to your home experiences as a result of events like natural disasters and burglaries. You're required by law to carry adequate insurance coverage if you want to drive on Texas roadways.
Services
Modern Risk Management is a full service independent insurance agency servicing the great State of Texas offering competitive rates, impeccable customer service and a wide range of carriers for all of your personal, commercial and financial needs. Dustin Harwell serves as President & CEO at Modern Risk Management and brings with him nearly a decade of insurance experience and a strong work ethic focused on dedication, efficiency, and promptness.
Vehicle ownership gives you greater freedom to enjoy leisure travels across Texas and beyond. At the same time, it comes with a greater risk of accidents on Texas highways. With auto insurance from Modern Risk Management in Houston, TX, you can protect yourself and others against the damage that accidents can cause.
Your home is a type of investment that can be threatened by accidents or natural disasters at any time. Home insurance helps to cover the costs of damage to your residence when unexpected events occur. At Modern Risk Management in Houston, TX, we can answer your questions about home insurance and ensure you have the right coverage for your needs.
Houston, TX is one of the largest cities and metro areas in the entire country. At the same time, the growing population can make it a great place to start a company. When you want to start a company in Houston, Texas, you should make sure that you are protecting it as well as you can. One of the best ways that you can do this is by getting a quality commercial insurance policy.
The city of Houston, TX is a very popular place for people all over the world to move to. One of the largest drivers of people in this city is the great weather, which provides a lot of sun and heat all year long. When you are in Houston, it could make a lot of sense to invest in a boat or other watercraft.
Reviews (10)
Nalin Kapadia
Nalin Kapadia
Jan 05, 2022
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Positive: Professionalism, Quality, Responsiveness, Value
Working with Dustin at Modern Risk was so easy. He is the best person to work with. Very professional and gets things done in a very timely manner. Very very accomodating. Dustin treats you like family. So happy we could work with him. Highly recommend him and the company/s service. So glad we connected Dustin!!!!
Cheyenne Price
Cheyenne Price
Dec 14, 2021
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Modern Risk Management always goes above and beyond! The insurance company I was currently using was not going to be the best financial decision for my new car. Dustin was able to find a new policy for me that BEAT (both $$ and coverage) of what the dealership was offering that I thought I was going to have to switch to. The entire process was done in less than 36 hours and Dustin is the best at keeping you updated on the status.
Highly, highly recommend!
Cindy Beer
Cindy Beer
Dec 01, 2021
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Positive: Quality, Responsiveness
Dustin did a great job getting my auto policy. I just moved to Texas and he made the transition smooth. Got my auto coverage with no problems. Definitely recommend him!
Paola Betancourt
Paola Betancourt
Sep 23, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Dustin made the process of finding home insurance so easy for us! He was very prompt in getting us started, was always available for any questions and took the time to go over our options and explained exactly what was covered under each line item outlined in our policy. Definitely recommend him!
Bria Richard
Bria Richard
Sep 22, 2021
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Dustin was amazing! He was suggested to me and I am so happy I went with him. When I initially reached out, he was immediately responsive.
I am a first time homebuyer so I was in the middle of a lot of other requirements and he did a wonderful job of checking in with me and following up without being too pushy. He could have had me insured and settled quickly with how prepared he was, but he was waiting on me as I took a while to really look at it and decide. I never felt pressured but I did have a good sense that he would be a great resource and was there for me when I was ready.
Dustin was
Crystal Sanchez
Crystal Sanchez
Jul 22, 2021
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Positive: Professionalism, Responsiveness
We had the best assistance from Dustin in finding insurance. Dustin’s response time and timely manner is amazing! We will be referring him in the future.
Richard Gordon
Richard Gordon
Jul 01, 2021
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Dustin was very courteous, explained everything, and professional. I trust him to look out for my interests, and to be there to help when you need your coverage. He accommodated all my various situations and saved me money. I strongly recommend him and his business to help you too.
Trust him. I do.
Sloan Cp
Sloan Cp
Jun 29, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Dustin was so helpful in getting me set up with a policy at amazing rates! He really shows care in everything he does and he’s so professional and made the process super easy! Highly recommend! Will be coming back when I buy a home!
Angelica Guerrero
Angelica Guerrero
Apr 12, 2021
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Dustin took the time to explain everything to me, answered all my questions and made purchasing insurance for my new home easy and smooth. Dustin is very professional, respectful and responsive. I also purchased auto insurance after being with the same company for years. I definitely recommend Modern Risk Management to anyone who is looking to purchase insurance!
Walter Alfaro
Walter Alfaro
Nov 27, 2020
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Dustin made the entire process of identifying and switching insurance policy plan totally stress free, smooth, and convenient. I contacted Dustin to inform him of what I was searching for and why. Within a couple of days - He had a policy option with a reputable company ready for me to move forward. His attentiveness and commitment to help others is second to none. That drive comes across through his professionalism.
Greatly appreciate doing business with you and Count on me referring anyone and everyone I know to you. Best Insurance service by far...