Trying To Find Home Ranch Insurance In College Station Texas?

Service Insurance Group Can Really Help With Home Ranch Insurance!

Call 979-300-7345!

Everyone has special needs at your home - an area to live and peace of mind in understanding that if something unforeseen or some unforeseen occurrence happen, you have Home Ranch Insurance in College Station Texas to deal with any kind of subsequent material breakdown or personal injury.  

Regardless of where you are located - metropolis or countryside, south or north - you'll need some kind of shielding for that spot you refer to as home. 

Precisely what kinds of damages may happen to your premises?

  • Natural disaster property damage produced by hailstorm and force of the wind!
  • Destruction as a result of fire!
  • Belongings that's been taken!
  • Reimbursement of doctor bills for somebody hurt on your property!

No one wants to lose any belongings they have labored so hard to have.  This explains why having Home Ranch Insurance in College Station Texas is really important.  It is additionally critical to obtain an insurance company who is familiar with all the different varieties of insurance obtainable in the current market - and has the experience to match your needs with the proper policy and policy coverage. 

You should have the understanding and experience of the trained professionals with Service Insurance Group.

Contact Us Here!

If you would like in College Station Texas for Home Ranch Insurance, you should come visit Service Insurance Group

We are devoted to serving each of our clientele with insurance coverage which can be designed to satisfy their unique preferences.

Service Insurance Group is the 1st option for Home Ranch Insurance in College Station Texas mainly because we:

  • Provide you with many options for Home Ranch Insurance!
  • Have many locations to serve your Home Ranch Insurance requirements!
  • Have 27+ years of insurance coverage expertise!

Please do not exposure to risk losing the commitment that you have in your residence.

Service Insurance Group can assist you to find the right Home Ranch Insurance Should you are the owner of a firm in College Station Texas, it should be important to identify Home Ranch Insurance to guard your expenditure. 

Allow the educated and veteran staff members at Service Insurance Group get the best insurance plan to achieve your everyday company needs in College Station Texas.  

In Need Of Home Ranch Insurance in College Station Texas?

Service Insurance Group Will Determine The Proper Insurance protection For Your Business!

Call 979-300-7345!

FAQs

Homeowners is something that almost every needs – and here are some question typically asked by people looking to purchase homeowners insurance!

Why do I need to buy homeowners insurance?

Homeowners insurance provides for the replacement of your home and its contents if they are damaged or destroyed. If you borrow money to buy a home, your mortgage company will require you to carry a policy in the amount of the loan. In addition, lenders often require renters insurance as well.

What does homeowners insurance protect me from?

The most frequent cause of homeowners insurance losses is fire, lightning and smoke. Other causes include theft, vandalism, water damage from burst pipes or windows, hail, explosion, windstorm and vehicle damage caused by collision or overturn. In addition to protecting your home and its contents, some policies provide liability coverage if a guest in your home is injured or if you, as the homeowner, are sued because of some injury on your property.

 

 

What is covered by a homeowners insurance policy?

A homeowners policy covers the dwelling, other structures on your property, personal property owned by you or members of your household and loss of use.

 

 

What is not covered by a homeowners insurance policy?

A homeowners policy does not cover land, fences, structures not attached to the dwelling, personal property owned by you that is used for business purposes or for rental purposes, property owned by others on your premises unless you have liability coverage, or the cost of renting temporary living accommodations.

What type of losses are covered by a homeowners insurance policy?

The insurance company will pay for damage to your home and its contents from loss by the peril named in the policy. The insurance company will also pay for damage caused by perils not named in the policy if the losses are sudden and accidental.

What is a peril?

A peril is an event, such as fire or windstorm, that causes damage to your home and its contents.

What are specific perils that are covered?

The more common specific perils of fire and lightning, windstorm and hail and explosion and riot are covered without additional charge. All of these perils are included under a standard homeowners policy. The standard policy also covers damage caused by theft and vandalism, unless the dwelling is unoccupied and unsecured. The standard policy does not cover damage caused by the following perils unless optional insurance is purchased: riot, aircraft, vehicles not owned by you, smoke, vandalism of fences and landscaping, damage from ice and snow, volcanic eruption (unless you live in an active volcanic area), sinkhole collapse, falling objects and weight of snow and ice.
 

What if my home is damaged by a peril not named in the policy?

If your home is damaged by a peril not specifically named in your policy, coverage may be provided if the damage is sudden and accidental. Generally, if the peril is continuous or repeated, such as flooding or gradual deterioration caused by ice and snow or termites, the loss would not be covered unless you purchased optional coverages.

What coverage limits should I carry on my homeowners policy?

Your policy should include limits of insurance equal to the full replacement cost of your home and all permanent structures on your property. The major portion of this cost is the value of the land on which your home stands.

What are some optional coverages that I should consider?

You may want to consider coverage for the following perils if they are excluded or not included in your policy: Loss of use, personal property owned by others on your premises (for example, a suit at your house made necessary because of some injury on your property), damage to trees and shrubs, and water damage from burst pipes, such as when a neighbor's child accidentally breaks a window and water floods into your home.

What is covered by an all perils policy?

A standard homeowners policy provides coverage for the perils of fire, lightning, windstorm and hail. An all-perils policy insures the entire house and its contents against all specific perils or risks not specifically excluded.

What is a named perils policy?

Your policy may be written on a named peril basis. This means that the specific perils of fire, lightning, windstorm or hail are covered. An all-perils policy insures against losses caused by perils not specifically excluded in the policy.

What are some of the exclusions under an all-perils policy?

A named peril policy does not cover damage by the following: accidental breakage of glass or other specific items unless you buy extra insurance, wear and tear, termites, flood, earthquake or war.

If your home is damaged by one of these perils, you can file a claim under your dwelling coverage (basic) coverage.

What is the difference between actual cash value and replacement cost?

An actual cash value policy pays the cost of replacing your house less depreciation. A replacement cost policy will pay the full cost of rebuilding, repairing or replacing your house. A replacement cost policy will also pay the cost of repairing or replacing damaged contents - up to the amount of insurance on them.

How is a claim for damages typically paid on a homeowners insurance policy?

In most cases, the insurance company will pay to have your house repaired or replaced and the contents of your home restored. In some cases, you may be paid for the cost of living elsewhere during repairs.

What if my house is totally destroyed?

If your house is totally destroyed, the insurance company pays the full amount of your policy. A new house on the property is not required, unless you elect to rebuild your home.
 

Do I need liability coverage on my homeowners policy?

If you have a mortgage, the bank may require that you buy liability insurance. If other people live in your house or use it for their business, the insurance company will usually demand that you carry liability coverage. Your policy can be written with a maximum amount of protection, or you may buy additional coverage for an additional premium.

My insurance is included in my monthly mortgage payment, so who determines what insurance to get?

If you are leasing your house, the landlord usually buys the insurance. Otherwise, you are required to select the coverages based on advice from your agent and your own best judgment as to what is needed.

 

 

What kind of deductible should I select?

Your agent can help you determine the best deductible for your situation. A higher deductible will reduce premiums, but you must be prepared to pay the amount of each claim in the event of a loss. For example, if your deductible is $500 and a tree limb falls on the roof of your house, causing $10,000 worth of damage, you must pay the first $500 toward the repair cost.

What are some other considerations in selecting a deductible?

The amount of insurance you carry should equal the value of your home and its contents. Your deductible should be an amount you can afford to pay if a loss occurs.

What is considered real property and is it covered by my homeowners insurance policy?

Real property is defined as the house, garage and other buildings. Your homeowners policy provides coverage for something that happens to these structures.

Is there coverage for personal property not inside my home?

A homeowners policy does provide coverage for personal property that is regularly used in your home, such as a refrigerator or television set. It also covers personal property that is used for household purposes, such as lawn tools.

Is my personal property covered that is stolen or damaged by fire?

Your homeowners policy provides coverage for some personal property. Your policy provides the most insurance, up to your limits of liability, if there is a loss by a named peril. If a loss is caused by a peril that is excluded, you will not receive any insurance payment for the loss.

Who is covered by my homeowners insurance policy?

Your insurance company will provide coverage for: yourself (or an individual designated as a named insured), family members who live with you, persons away from home on business, guests in your household and others up to 10 total.

 

 

Are damage from natural disasters covered under my homeowners insurance policy?

Most property damage resulting from earthquakes, floods, hurricanes and other natural disasters are covered under a standard homeowners policy. There are some exceptions to this coverage.

What are the natural disasters exclusions on a homeowners insurance policy?

Floods aren't covered by a homeowners insurance policy. In some cases, earthquakes and hurricanes may have limited coverage. Windstorms are always excluded.

Can I get coverage for excluded natural disasters?

You may be able to buy additional insurance for earthquakes and other disasters through a separate policy. Ask your agent if you have questions about this coverage.

 

 

What is covered if my home is burglarized?

The most common homeowners insurance claim is for theft. Your policy provides coverage if your home is burglarized, even when you are at home. If your possessions are stolen, your policy provides coverage for what was taken. In some cases, you may be required to have certain security devices in order for a claim to be covered.

What isn't covered if my home is burglarized?

Your homeowners policy doesn't cover losses from your own negligence. For example, it doesn't cover losses from a faulty alarm system or a burglar who gets in the house by using your key.

What personal belongings does homeowners insurance cover?

Homeowners insurance provides coverage for personal belongings that are stolen or damaged in a covered loss. Personal property includes furniture, carpeting, appliances and other items you own.

Does homeowners insurance cover mold removal?

Mold removal may not be covered by your homeowners insurance policy. Most policies do exclude mold and fungus coverage. Your agent can tell you how to get coverage for mold removal.

What if a tree falls on my house?

A tree falling on your house will not be covered by a standard homeowners policy. If the tree has been uprooted by wind, this would be covered under wind damage. A homeowners policy does cover damages caused by trees, shrubs and other plants if the damage is caused by a named peril. Such perils are typically lightning, fire, explosion and vandalism.

Can homeowners insurance cover flooding?

Homeowners insurance does not cover damage from flooding. Flood insurance is a separate policy that you can buy from the federal government. Most homes located in flood zones are required to have flood insurance.

Does homeowners insurance cover water damage?

A standard homeowners policy doesn't cover water damage. Water-related damage is commonly excluded from a home insurance policy because it is difficult to define and estimate. Water damage can result from a number of causes, including: seepage or leaks in roofs, walls, basements or pipes; overloading of sewers or drainpipes; back-flow from water supply or sewer lines. Water damage can occur in any home and is covered only when it results from a specific peril such as fire, lightning or explosion.

Does homeowners insurance cover dog bites?

A homeowners policy may cover dog bites. Most standard policies have a dog bite liability exclusion, so you'll need to buy an endorsement to get coverage for your dog.

What is coverage for other structures under a homeowners insurance policy?

Other structures typically include sheds, barns and detached garages. The amount of coverage available for these structures is usually limited to 10 percent of the dwelling limit. There is no coverage for the foundation or any underground portion of a structure, such as a basement.

Are fences include in coverage for other structures?

Fences are generally not considered other structures. They are usually covered under the policy's personal property section. A fence is often referred to as a "structural element".

What does a homeowners insurance policy provide for additions and alterations that I make to my home?

There is coverage under a homeowners policy for additions or alterations you make to your home, as long as the structure was completed within 12 months of the policy's effective date.

Tamie Bittle

Verified

Y'all were my easy button, even though it may not have seemed that way from the start. I was in a rush to secure a builders risk policy for my home renovation after Harvey and SIG came through with a competitive bid and was able to get me covered in my short timeline to start the demo. There were a few miscommunications along the way, but the team was very polite and expeditious to rectify the situation with comfort and professionalism. I will definitely recommend you guys to friends and family. Thanks!
My broker was so patient and efficient.He found us the perfect plan for our company. I will definitely recommend him to anyone looking for insurance.

Amanda Gray

Verified

This company made the process of getting the right coverage at a reasonable rate for our commercial property a breeze. Our agent, Mr. Hurt, took care of everything from start to finish, short from paying for the coverage themselves. I highly recommend them!

Garrett

Verified

Susie Lybarger

Verified

They are very thorough and made me feel a lot better after just talking to them

Ines Tani

Verified

Sue Brinkman

Verified

Service Insurance Group's Customer Service is Excellent. They are very efficient, friendly and Professional. They go the extra mile to make sure they are providing the best option on all your Insurance needs. I would highly recommend everyone to at least get a quote from them, you won't be disappointed.

Juan Guerrero

Verified

We have received the best advice to obtain insurance for our small business. Very grateful to Ryan.

A.J. Reese

Verified

I have been working with SIG for almost a decade now. and they always provide prompt, courteous, and professional service. Also great rates.
Cannot say enough good things about my experience with Ricky and his team at Service Insurance Group. Always prompt responses, extremely helpful, and very professional. I highly recommend their services!

Duilio Tani

Verified

Bradley Hurt did really help us to find the right insurance companies we were looking for. Thank you.

Chris Hunter

Verified

Great people to work with! I think the main reason to go with Service Insurance Group vs a big box carrier is that their agents shop their carriers to find the right insurance for your need and budget. It's better than going to a big box agency as you're not stuck with just one carrier and what they're selling. I highly recommend Service Insurance Group if you're looking for insurance for you or your business!

Gloria Roberts

Verified

people here were so kind, nice n made me feel very comfortable. thanks so much.

Cheryl Calame

Verified

Great service!

Juan Guerrero

Verified

We have received the best advice to obtain insurance for our small business. Very grateful to Ryan.
My broker was so patient and efficient.He found us the perfect plan for our company. I will definitely recommend him to anyone looking for insurance.

rene chaho

Verified

Bradley takes the time to answer my questions every time. Look no further.

JOSIE DELEON

Verified

Great & quick responses! Bradley helped me very easily process! Highly recommend.

Cheryl Calame

Verified

Great service!
Extremely quick and made sure I was getting the right insurance policy that my customers required. Will be coming back for all of my insurance needs.

A.J. Reese

Verified

I have been working with SIG for almost a decade now. and they always provide prompt, courteous, and professional service. Also great rates.
Great Insurance Agency. Very professional and they will search numerous companies to get you the best rate.

Duilio Tani

Verified

Bradley Hurt did really help us to find the right insurance companies we were looking for. Thank you.

Trey Clark

Verified

We use SIG for our primary home, rentals and all of our vehicles. We are extremely pleased with the rates and service we receive from both Brad and Monica at SIG. We refer them every chance we get. We appreciate having a local insurance company we can depend on.

Ines Tani

Verified

Rachel Golden

Verified

SIG has handled our business insurance policies for the last 6 years. Great service and lovely people to work with!
Brad worked with me to find the right product to fit my specific needs. He went above & beyond & I'm so thankful to have him in my corner if/when I need anything.

Trey Clark

Verified

We use SIG for our primary home, rentals and all of our vehicles. We are extremely pleased with the rates and service we receive from both Brad and Monica at SIG. We refer them every chance we get. We appreciate having a local insurance company we can depend on.

JOSIE DELEON

Verified

Great & quick responses! Bradley helped me very easily process! Highly recommend.

Rachel Golden

Verified

SIG has handled our business insurance policies for the last 6 years. Great service and lovely people to work with!

Nick Johnston

Verified

Service Insurance Group is the only locally-owned / operated full-spectrum insurance provider I would do business with. They are simply outstanding: professional, responsive, caring, and customer-oriented. Thank you!!!

rene chaho

Verified

Bradley takes the time to answer my questions every time. Look no further.
Great Insurance Agency. Very professional and they will search numerous companies to get you the best rate.

A.J. Reese

Verified

I have been working with SIG for almost a decade now. and they always provide prompt, courteous, and professional service. Also great rates.

Chris Hunter

Verified

Great people to work with! I think the main reason to go with Service Insurance Group vs a big box carrier is that their agents shop their carriers to find the right insurance for your need and budget. It's better than going to a big box agency as you're not stuck with just one carrier and what they're selling. I highly recommend Service Insurance Group if you're looking for insurance for you or your business!

Nick Johnston

Verified

Service Insurance Group is the only locally-owned / operated full-spectrum insurance provider I would do business with. They are simply outstanding: professional, responsive, caring, and customer-oriented. Thank you!!!

Sue Brinkman

Verified

Service Insurance Group's Customer Service is Excellent. They are very efficient, friendly and Professional. They go the extra mile to make sure they are providing the best option on all your Insurance needs. I would highly recommend everyone to at least get a quote from them, you won't be disappointed.

Tamie Bittle

Verified

Y'all were my easy button, even though it may not have seemed that way from the start. I was in a rush to secure a builders risk policy for my home renovation after Harvey and SIG came through with a competitive bid and was able to get me covered in my short timeline to start the demo. There were a few miscommunications along the way, but the team was very polite and expeditious to rectify the situation with comfort and professionalism. I will definitely recommend you guys to friends and family. Thanks!

Sharon Rose

Verified

The response time was very quick. My needs were understood and met. Any concerns I had were addressed and explained. I did not get an automated system when I called. It was a pleasure to work with them.