What to Consider When Buying Homeowners Insurance for Your Bryan Property

by | Feb 15, 2024 | Insurance Agency

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When you buy a home, your lender will require you to obtain homeowners insurance in Bryan, TX. Even after you have fully repaid your mortgage, it’s still a good idea to maintain your insurance for the protection it provides. You’ll get more out of your policy if you know which key factors will need your attention.

Make Sure You’re Covered for Natural Disasters

All homeowners policies provide coverage for damages caused by fire, wind storms, hail, wildfires, and lightning. However, coverage for other types of natural disasters may require obtaining policy extensions. For example, if you live in a tropical region, you’ll want to obtain hurricane or flood coverage. While this comes at an additional cost, the extra protection will be worthwhile.

Protect Your Physical Assets

Beyond protecting your home, your homeowners policy will also protect the belongings you store in your home, garage, or shed. Common problems arise when a homeowner buys a new high-value asset without updating their policy. If a covered event ends up damaging an asset that you never reported to your insurance provider, you may have to suffer that loss. Avoid that situation by reporting any new purchases to your insurer.

Get Coverage for Additional Structures

When you set up your homeowners insurance in Bryan, TX, talk to your agent about insuring your shed, fence, or detached garage. Many policies will include coverage for these structures. However, you might need a policy extension if these structures aren’t covered by your insurance policy. Since detached structures face a higher risk of wind and storm damage, the extra coverage can save you thousands of dollars if you need to restore your property after a natural disaster.

Additionally, talking openly with your insurance agent can help you obtain coverage that meets your needs as closely as possible.