TEXAS ROOTS. MORE POSSIBILITIES.

Independent insurance. Personal guidance.

Heritage Oaks is an independent Texas insurance agency helping you explore home, auto, business, and other insurance options—with clear explanations and personal guidance.

Independent. Personal. Proudly serving Texas.

Why Heritage Oaks?

James Lejarzar, Founder & Principal Agent of Heritage Oaks Insurance Agency
James Lejarzar, Founder & Principal Agent of Heritage Oaks Insurance Agency

Meet James Lejarzar

Founder & Principal Agent

Insurance is about more than policies and premiums. It’s about protecting the people, homes, and futures that matter most.

As a husband, father, and longtime insurance and healthcare professional, I understand how important it is to feel confident that your family is protected. That’s why I founded Heritage Oaks Insurance Agency: to bring a more personal, honest, and thoughtful approach to insurance.

Throughout my career, I’ve had the privilege of helping individuals and families navigate important insurance and healthcare decisions. Those experiences taught me that people don’t just want another insurance quote. They want someone who will listen, explain their options clearly, and help them make decisions they can feel good about.

As an independent insurance agent, I’m able to explore coverage options from multiple insurance companies, helping you find a balance between meaningful protection and competitive pricing.

My philosophy is simple: Treat people the way I’d want my own family to be treated. That means taking the time to understand your needs, being transparent about your options, and putting relationships ahead of transactions.

At Heritage Oaks, you’re more than a policy number. You’re a neighbor, a family, and someone whose trust I consider a privilege to earn.

I’d love the opportunity to get to know you and help protect what matters most.

LET’S GET STARTED

Let’s find your next step.

Start with a personal conversation about what you want to protect.

Heritage Oaks Insurance Agency LLC

Independent insurance. Proudly serving Texas and Arizona.

Texas Agency License #3568892 | Arizona Agency License #3004502134

Coverage is subject to policy terms, conditions, exclusions, carrier underwriting, and availability. Requesting a quote does not bind coverage. Coverage becomes effective only when properly bound or issued by an insurer or authorized representative, subject to applicable requirements and confirmation of the effective date.

© 2026 Heritage Oaks Insurance Agency LLC. All rights reserved.