Whether owning or renting, a home is one of the most crucial assets you will ever have. As such, protecting your investment should be high on your list of priorities. While shielding your home against all potential damage is impossible, there is a way to ensure you limit your losses in the event of damage or destruction – homeowners insurance.
Read on for a closer look at homeowners insurance in Bryan-College Station, TX
Having homeowners insurance in Bryan-College Station, TX, goes a long way in helping you limit the losses you experience when your property and valuables get damaged. After all, you have spent a good chunk of your life saving for a home and collecting irreplaceable personal items. Providing insurance coverage for them is a no-brainer.
Home insurance covers a wide range of damages, whether caused by nature, man, or machinery. For instance, insurance can cover damages resulting from:
Besides covering your home in the event of natural disasters, homeowners insurance can also offer coverage in the event of theft, loss, and damage.
There are different types of home insurance, all with varying degrees of coverage. To help you determine the suitable level of coverage for your home, we will now look at some of the common types of homeowners insurance.
Home insurance is categorized according to the coverage they offer. Depending on the insurance company you work with, you could access a wide array of coverage. The following are some of the insurance coverages you can get in Texas:
This helps you protect your home and the structures that are directly attached to it, including your walls, roof, flooring, siding, and even air conditioning and heating.
With personal liability insurance coverage, you ensure your legal defense against a liability lawsuit or claim. For example, if a guest trips and gets injured by a loose floorboard, personal liability insurance helps you cover the costs. This coverage also enables you to pay for damages for which you are liable.
Opting for personal property home insurance helps you protect all your personal belongings in the event of damage or loss. Some of the personal belongings the insurance covers include clothing, furniture, and electronics.
Contrary to what you might believe, home insurance is not only meant for homeowners. Renters require protection as well.
Renters insurance is a group of coverages that offer protection to renters living in apartments, houses, or condos. There are three types of coverages you can get to help protect your living arrangement, belongings, and yourself.
With the coverage determining costs, not everyone can afford to pay for their desired level of coverage, especially if you consider the auto insurance you are probably already paying for. However, there is a smart way to gain the protection you desire while keeping costs down – bundling.
Insurance bundling is simply buying multiple policies from the same insurance company to get a discount on your monthly premiums.
For instance, you can bundle a home insurance policy with auto, motorcycle, or even life insurance policy.
While renters are not legally required to have insurance, home insurance is the best way to ensure peace of mind knowing that your home and personal property are covered even in the event of natural disasters like storms, hails, or fires.
Depending on the policy and the type of coverage you opt for, your home insurance can cover everything from your home to your personal belongings.
Yes, the rental home you are living in is only temporary. However, opting for renters insurance is essential. It is an invaluable tool not just for renters but landlords as well. This type of insurance will help you safeguard your valuables, including furniture, electronic appliances, and clothing.
Renters insurance offers coverage for all your personal belongings as well as legal liability in the event of an accident.
Fun Facts about Roland Luna – Class of ’97 and Texas A&M:
Roxanne and I both graduated with our BS in Food Science and Technology. We both used them for about 5 years, before we moved into our new careers.
Roxanne, went back to school and received her Masters in Nursing Administration, while Roland just completed his 19th year in the insurance industry here with the Sandy Garza Agency.