The short answer: As of October 29, 2026, Neighborhood Registry has read the license record of every insurance agent ranked below at Texas Department of Insurance and found each license Active. 7 insurance agents on the Montgomery service roster hold licenses we checked in October 2026; 7 are ranked here. One fact stated up front: no Montgomery insurance agent has claimed a Registry profile yet, so every name below sits in the License-Checked tier — licenses verified at the authority, profiles not yet maintained by the pros. The first Montgomery insurance agent to claim and verify a profile takes the top tier in the next edition, under the same published rules. Until then, this page is the only Montgomery insurance agent ranking that prints the license number and check date behind every name.
The ranking — October 2026 edition
1. John Wallace
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #3491380 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
2. James Richard Rutledge III
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #3323033 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
3. Hope Librera
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #3011055 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
4. Wendy Liddell
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #2455751 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
5. Haywood A Dozier Jr
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #1762449 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
6. Kimberly Allphin
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 28, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #1009443 — Active, read directly at the authority. Last checked: October 28, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
7. James Allen
Rank basis: License-Checked tier; appears on the Montgomery service roster (Montgomery); checked October 21, 2026. Order inside the tier follows the published methodology below.
License: Texas Department of Insurance #1001711 — Active, read directly at the authority. Last checked: October 21, 2026.
Area served: Montgomery (Montgomery service roster).
Registry profile
How this ranking works
Most “best insurance agents in Montgomery” lists are assembled from advertising placements and review counts copied from other websites. This ranking is assembled from exactly one thing: the license record at the issuing authority, read directly by Neighborhood Registry.
- Eligibility. An insurance agent is eligible only if we have read their record in the authority’s own system and found the license Active. No one can pay to be listed, apply for a rank, or be added by request.
- Tier A — Verified & Claimed. The license is verified at the authority and the pro has claimed their Registry profile, confirmed their details, and maintains it. Tier A always ranks above Tier B.
- Tier B — License-Checked. We have read the license at the authority and found it Active, but the pro has not yet claimed their profile.
- Order inside a tier is mechanical and published: (1) neighborhood seats held in Montgomery; (2) most recent authority check; (3) time on the Registry (first-verified date); (4) alphabetical. Every input to every score is printed in the entries above.
- Freshness. Licenses are re-checked weekly and formally re-verified every 12 months. A license that lapses or is suspended removes the pro from this ranking at the next re-check — not at the next edition. This page is re-issued monthly; this is the October 2026 edition, built from checks dated October 2026.
Full method: How We Verify — Every check is written to the public verification ledger.
How to verify a Texas insurance agent’s license
Use the Texas Department of Insurance license search at tdi.texas.gov: search by name or license number and confirm the license is Active and appointed for the lines being sold. TDI licenses agents by qualification — general lines (property and casualty), general lines (life, accident and health), personal lines, and others — and the agent must hold the qualification for the policy in front of you.
Montgomery, in numbers
- Schools: Montgomery Independent School District serves the City of Montgomery and earned a B (87) in the Texas Education Agency’s 2025 accountability ratings — the district states that 87 is the highest overall score of any Montgomery County school district. Its two comprehensive high schools are Montgomery High School (TEA 2025 campus score 88, B) and Lake Creek High School (rated A for 2024-25). The district’s footprint extends well beyond the small city limits — verify the campus for a specific address with the district.
- Taxes: for tax year 2026, a parcel inside the City of Montgomery in Montgomery ISD with no MUD and no ESD stacks City of Montgomery $0.4000 (total adopted by City Council on Sept. 14, 2026, as summarized in the city’s council meeting record — a compiled-grade figure; the TY2026 M&O/debt split was not retrieved) + Montgomery County $0.3860 + Montgomery ISD $1.0479 (M&O $0.6977 + I&S $0.3502) + Lone Star College $0.1058 + Montgomery County Hospital District $0.0479 = $1.9876 per $100 of taxable value. Addresses outside the city limits pay no city tax, and many area parcels also pay a MUD rate and/or the Montgomery County ESD No. 10 rate, each per-parcel — confirm the entities and rates for a specific parcel with the Montgomery Central Appraisal District.
- Lake Conroe west shore: Montgomery sits on SH-105 at the western side of Lake Conroe, the 20,118-acre reservoir on the West Fork of the San Jacinto River built in 1973 (Texas Parks and Wildlife Department Lake Conroe Survey Report); private and commercial development surrounds the lower two-thirds of the lake, so waterfront, near-lake, and dock/boat exposure questions are address-specific across the west and south shores. A Montgomery insurance risk is usually an unincorporated lake-area home, not an in-city parcel.
- On this Registry: 7 insurance agents serving Montgomery hold licenses read at the authority in October 2026; the insurance agent seat is unclaimed.
Frequently Asked Questions
Who is the best license-verified insurance agent in Montgomery, Texas?
As of October 29, 2026, Neighborhood Registry has license-checked 7 insurance agents serving Montgomery at Texas Department of Insurance, all Active. The top-ranked are John Wallace (TDI #3491380), James Richard Rutledge III (TDI #3323033), Hope Librera (TDI #3011055). No Montgomery insurance agent has claimed a Registry profile yet, so all are ranked in the License-Checked tier under a published methodology.
How do I verify a Texas insurance agent’s license?
Use the Texas Department of Insurance license search at tdi.texas.gov: search by name or license number and confirm the license is Active and appointed for the lines being sold. TDI licenses agents by qualification — general lines (property and casualty), general lines (life, accident and health), personal lines, and others — and the agent must hold the qualification for the policy in front of you. Neighborhood Registry reads the same record and writes every check to its public verification ledger.
What does a Texas insurance agent’s license actually cover?
TDI licenses agents by qualification — for example general lines property and casualty, general lines life accident and health, or personal lines — and an agent may only sell the lines their license covers, for insurers that have appointed them. License-Checked on this page means Neighborhood Registry read the agent’s TDI record and found it Active in October 2026; it is a statement about the license, not about price or service quality.
What should a Montgomery homebuyer know about local taxes and schools?
Montgomery ISD serves the city and a wide surrounding area and earned a B (87) in TEA’s 2025 accountability ratings, the highest overall score of any Montgomery County district per the district. For tax year 2026, a parcel inside the City of Montgomery in Montgomery ISD with no MUD or ESD stacks to $1.9876 per $100 of taxable value (City of Montgomery $0.4000, adopted Sept. 14, 2026 as summarized in the council meeting record + Montgomery County $0.3860 + Montgomery ISD $1.0479 + Lone Star College $0.1058 + Montgomery County Hospital District $0.0479); most Montgomery-area addresses are outside the city limits and pay no city tax, but many pay a MUD rate and the Montgomery County ESD No. 10 rate instead — confirm a specific parcel with the Montgomery Central Appraisal District and verify the campus by address with Montgomery ISD.
Sources
- Texas Department of Insurance license records for every ranked insurance agent (license numbers and check dates printed above), read October 2026; Neighborhood Registry verification ledger.
- Montgomery ISD — district release adopting the TY2026 tax rate of $1.0479 (Aug. 18, 2026) and district release of TEA ratings (B, 87).
- Texas Education Agency — 2025-2026 Accreditation Statuses (Montgomery ISD, CDN 170903: 2025 rating B).
- City of Montgomery — 2026 overall ad valorem tax rate of $0.4000 adopted Sept. 14, 2026 (council meeting record summary; compiled grade).
- Wave F1 Montgomery County component library (facts/the-woodlands.md) — Montgomery County $0.3860, Lone Star College $0.1058, Montgomery County Hospital District $0.0479, with per-component grades (checked October 2026).
- Montgomery County ESD No. 10 — Notice About 2026 Tax Rates (certified July 29, 2026).
- Texas Parks and Wildlife Department — Lake Conroe Survey Report (reservoir description).
- U.S. Census Bureau — QuickFacts FAQ (profiles published only for cities and towns with a population of 5,000 or more; no QuickFacts profile exists for Montgomery city).
- Neighborhood Registry Montgomery fact build, October 2026.