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Property Insurance

The Basics of Sugar Land Home Insurance

Property insurance policies typically provide two types of coverage for homeowners in Sugar Land and Houston:

  • Personal liability insurance is designed to protect you and your family against financial claims that could result from injuries that occur on your property. Your home insurance policy typically includes a moderate amount of coverage for liability issues. To increase this amount, Brazos Insurance Agency also offers umbrella liability insurance policies for residential and commercial properties.
  • Property insurance covers the structures present on your property and the contents of those structures. Fire, storm damage and other events that cause damage to your home are typically covered by homeowners’ property insurance. Flood is not generally covered by Sugar Land home insurance policies unless additional coverage for flood coverage has been purchased.

Riders or endorsements may also be available for valuable items like coin collections, jewelry or antique furnishings. In some cases, you may be eligible for full-replacement coverage for your home. This coverage allows you to receive the full cost of rebuilding a comparable new home if your current home is destroyed. Traditional Sugar Land home insurance policies cover only the current market value of your home, which could be significantly less than the cost to rebuild it.

Sugar Land renters’ insurance policies offer coverage for the contents of apartments, townhouses and other rental properties without covering the structural elements of these residential developments. This can provide added help for those who do not own their own homes but who have significant personal property that would be costly to replace without insurance.

Understanding Deductibles

Deductibles may be confusing for some people. At Brazos Insurance, we are committed to taking the mystery out of the insurance industry for our clients. We will explain your deductibles and provide explanations of your potential out-of-pocket expenses, the limits of your coverage and the provisions of your home insurance.

If you need competitive and affordable options for homeowners’ insurance or renters’ insurance, Brazos Insurance can provide you with the best options for your needs. Call us at 281-715-7800 to request a quote for your Sugar Land property insurance or to schedule a consultation with us. We look forward to the chance to serve you.

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