Homeowners Insurance in Bryan-College Station

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

<b>Why You Need Home Insurance</b>

Why You Need Home Insurance

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.

Potential Damages Homeowners Insurance Covers

Home insurance covers a wide range of damages, whether caused by nature, man, or machinery. For instance, insurance can cover damages resulting from:

  • Hail
  • Fire
  • Tornados
  • Water Damage
  • Hurricanes

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.

Types of Homeowners Insurance in Bryan-College Station, TX

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:

<b>Types of Homeowners Insurance in Bryan-College Station, TX</b>

Dwelling Coverage

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.

Personal Liability

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.

Personal Property

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.

What about Renters Insurance?

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.

A Brief Introduction to Insurance Bundling

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.


Do I Have to Have Homeowners Insurance?

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.

What Does Homeowners Insurance Cover?

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.

If I Don't Own My Home, Should I Get Renters Insurance?

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.

What Does Renters Insurance Cover?

Renters insurance offers coverage for all your personal belongings as well as legal liability in the event of an accident.

Get the Guidance You Need

Fun Facts about Roland Luna – Class of ’97 and Texas A&M:

  • Texas A&M was the only school he applied to.  Was A&M or bust.
  • Graduated from High School on Saturday night in 1993 and drove up to College Station on Sunday to start school on Monday.  (That’s how much I wanted to move to College Station to be an Aggie)
  • Once there, I never wanted to leave.  I was there for 6 football season’s , until  I graduated in Dec of 1998.
  • Convinced my two high school best friends to attend Texas A&M with me so that all three of us could become Aggies.
  • Met my wife (Roxanne [Lopez] Luna) – Class of ‘98 and mother of my two girls (Ashley Nicole and Alexis Michelle) in College Station.  (Even though we were from the same neighborhood back home in Edinburg, TX.  I went to Edinburg High School, and she went to Edinburg North High School where her dad was the high school football coach, so our paths never crossed. We just celebrated 20 years of marriage this past December.
  • Our daughter Ashley, is a sophomore in High School and is hoping to lead the next generation of Aggies.
  • Was an officer in the Memorial Student Center – Great Issues club.  Which we brought in National Speakers into the community to discuss current event issues affecting not just students, but the entire community, as a whole.
  • Worked part time in the famous Academic Building in the Sociology Dept, as well as in the common’s food court on campus.
  • Favorite Restaurants:  Chicken Oil Company and Wings’ N More.
  • Favorite Past Time while a student:  Hanging out at Research Park studying and playing Frisbee Golf.

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.