Ricardo Sempertegui

Customer service is our top priority! In these colder months, please reach out for a virtual appointment to review your insurance and financial needs. Auto Insurance, Homeowners Insurance, Renters Insurance, Life Insurance and so much more!! Call, text, or email my office today so you are covered by the Top-Rated Insurance Company in America!

At our agency, we offer a variety of insurance plans designed to protect what matters most to you. Whether you need coverage for your car or motorcycle, we provide State Farm’s Auto and Motorcycle Insurance to keep you safe on the roads of Plano, McKinney, Little Elm, Denton, and throughout Texas. If you’re looking to protect your home or personal belongings, our State Farm Home Insurance policies offer reliable coverage to safeguard your assets.

Serving communities across North Texas—including Plano, McKinney, Little Elm, and Denton—my bilingual team and I are committed to delivering personalized service with clear communication in both English and Spanish. We prioritize making your insurance experience smooth, efficient, and friendly, so you can feel confident and supported every step of the way. Whether you visit us at our Little Elm or Denton office or connect remotely, we’re here to help. Reach out today — we’re just a call or click away!

I’m married to Paola, and together we have two wonderful children, Nicolas and Mia. Our family also includes three lovable Cavapoos: Charlie, Bentley, and King. When I’m not working, I enjoy boating on Texas lakes, volunteering in the community, and traveling. I look forward to meeting you and hearing about your vision for the future.

Frequently Asked Questions (FAQs)

Q: How can I compare auto insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Ricardo works with Little Elm residents to find coverage that fits.

Q: How soon can I get insured for my car?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Little Elm, TX, reach out to Ricardo.

Q: What kind of insurance do I need for a leased vehicle?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Connect with Ricardo for insurance guidance in Little Elm.

Q: How does a life insurance policy actually function?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. In Little Elm, you can count on Ricardo for personalized service.

Q: How would you explain renters insurance?

A: Renters insurance is coverage that helps protect your personal belongings and provides personal liability protection while renting a home or apartment. Ricardo is here to help your Little Elm household feel covered.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, your personal belongings, and your finances. It typically includes coverage for the structure of your home, your belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered loss. Looking for coverage? Talk with Ricardo F about your options in Little Elm.