We Aim High to Serve You!

We Aim High to Serve You!


Welcome to Top Gun Insurance Group Inc.

Why Choose Top Gun Insurance


With Top Gun , you have choice

We are licensed experts and your personal advisers

One-stop shopping also your consultants for a lifetime

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 We  represent  many different insurance companies that offer a wide variety of coverage options and price points.  Our connections and knowledge of the market, we can find you the right blend of price, coverage, and service. 

We make a career out of assessing our customers’ insurance needs and matching you with the insurance carrier best equipped to meet your needs at a price our customer can afford. Not just find you competitive pricing,we make sure you are adequately covered. 

 Meet all of your insurance needs with the companies we represent, providing auto, home,life, renter’s, and business coverage. We are here to help you through all the changes in your life. 

With Top Gun , you have choice

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 We  represent  many different insurance companies that offer a wide variety of coverage options and price points.  Our connections and knowledge of the market, we can find you the right blend of price, coverage, and service. 

We are licensed experts and your personal advisers

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We make a career out of assessing our customers’ insurance needs and matching you with the insurance carrier best equipped to meet your needs at a price our customer can afford. Not just find you competitive pricing,we make sure you are adequately covered. 

One-stop shopping also your consultants for a lifetime

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 Meet all of your insurance needs with the companies we represent, providing auto, home,life, renter’s, and business coverage. We are here to help you through all the changes in your life. 

About Us


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Not your average Insurance Agency

Over 28 year of insurance experience, that is why most of our customers are from referral and the second generation. Our office makes  a career our of working for you, we  put your interests first.

Our philosophy is : buying the coverage that cover you right, don't waste your money buying a piece of paper.

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  Insurance can be a complicated purchase. You’re buying a promise of protection that could potentially make or break your financial well-being.  

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 How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar? Whether you are a homeowner, renter, or searching for life, or business insurance, we are a one-stop-shop for all of your insurance needs. Let our company be your personal advisers and your lifetime advocate.

 Top Gun Insurance Group Inc.       

Who we are


Ben Hsu

Jeanie Hsu

Melissa Santillanes

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Owner /Principal /Broker 

ben@mytopgunins.com

License in Texas and California 


Office Manager/ Payroll

 Customer Service Agent

mj@mytopgunins.com

Service our Customers since 2016


Ben Hsu

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Owner /Principal /Broker 

ben@mytopgunins.com

License in Texas and California 


Jeanie Hsu

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Office Manager/ Payroll

Melissa Santillanes

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 Customer Service Agent

mj@mytopgunins.com

Service our Customers since 2016


We Serve California too!


Ben Hsu

Owner/ Principal

Pollianna Hsu

Customer Service Associate

411 E. Huntington Dr. Ste. 107 #359

Arcadia CA 91006

855-522-5228

Contact Us


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Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours.

Top Gun Insurance Group Inc.

2002 S Stemmons Fwy, Suite 500, Hickory Creek, TX 75065, US

(940) 498-7111 Toll Free 855-522-5228

Hours

Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed

Community involvement


Wounded Warrior Project

We Support Our Police officer

Support Our Troops

https://www.woundedwarriorproject.org

https://www.facebook.com/wesupportpolice

https://www.supportourtroops.org

Refuge for Women

National Breast Cancer Foundation

Feeding America

http://www.rfwntx.org/freedomfighter

http://www.nationalbreastcancer.org

http://www.feedingamerica.org

Wounded Warrior Project

https://www.woundedwarriorproject.org

We Support Our Police officer

https://www.facebook.com/wesupportpolice

Support Our Troops

https://www.supportourtroops.org

Refuge for Women

http://www.rfwntx.org/freedomfighter

National Breast Cancer Foundation

http://www.nationalbreastcancer.org

Feeding America

http://www.feedingamerica.org

Community Network


Mistie Parks

Erick Chung

Vacation Planning Specialist

crazyimaginationTravel.com/Mistie

Certified Technician

972-850-8161



Mistie Parks

Vacation Planning Specialist

crazyimaginationTravel.com/Mistie

Erick Chung

Certified Technician

972-850-8161



Auto Terms and Definitions


Bodily Injury Liability Coverage (BI)

Comprehensive Coverage

Collision Coverage

 If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy. 

 If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable. 

 When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy. 

Full Coverage

Personal Injury Protection (PIP) Coverage

Property Damage Liability Coverage (PD)

 "Full coverage" is a common term that people use to describe how much auto insurance coverage they have. Though there is no such thing as "full coverage," it often implies that the policy has more than just Liability coverage. 

 PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states. 

 If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy. 

Bodily Injury Liability Coverage (BI)

 If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy. 

Comprehensive Coverage

 If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable. 

Collision Coverage

 When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy. 

Full Coverage

 "Full coverage" is a common term that people use to describe how much auto insurance coverage they have. Though there is no such thing as "full coverage," it often implies that the policy has more than just Liability coverage. 

Personal Injury Protection (PIP) Coverage

 PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states. 

Property Damage Liability Coverage (PD)

 If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy. 

Rental Reimbursement Coverage

Roadside Assistance Coverage

Underinsured Motorist Coverage (UIM)

 Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased. 

 Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the service for an additional premium if it is not already included with their insurance policy. 

 If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy. 

Uninsured Motorist Coverage (UM)

Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)

Loan/Lease Payoff Coverage

 If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy. 

 If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy. 

 Loan/Lease Payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible.  

Rental Reimbursement Coverage

 Rental Reimbursement provides rental car coverage if you have a claim that is covered under Comprehensive or Collision coverage. Daily rental amounts are subject to the limit purchased. 

Roadside Assistance Coverage

 Roadside Assistance provides services such as towing, flat tire change, locksmith service and battery jump-start to customers, who can elect the service for an additional premium if it is not already included with their insurance policy. 

Underinsured Motorist Coverage (UIM)

 If a driver or owner of a vehicle is legally liable for an accident but does not have enough insurance, you can use UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy. 

Uninsured Motorist Coverage (UM)

 If a driver or owner of a vehicle does not have insurance and is legally liable for an accident, you can use UM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy. 

Uninsured/Underinsured Motorist Property Damage Coverage (UMPD)

 If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy. 

Loan/Lease Payoff Coverage

 Loan/Lease Payoff coverage, sometimes called "gap" coverage, pays the difference between what you owe on your vehicle and what your insurance pays if your vehicle is declared a total loss or stolen and not recovered, less your Comprehensive or Collision deductible.