Andres O'neil & Lowe Insurance Agency
227 N Lynn St, Bryan, OH 43506
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Bryan households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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227 N Lynn St, Bryan, OH 43506
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Bryan residents.
Bryan, TX homeowners pay $1,200-$1,700/year vs. $6,000+ statewide. Learn coverage for tornado/hail damage, historic homes, and how to save on premiums.
Yes, it's still a smart idea. More than 20% of flood insurance claims come from areas outside high-risk flood zones. Since standard homeowners insurance doesn't cover flood damage, a separate flood policy can protect you from significant financial loss if heavy rain or flash flooding occurs. Coverage is available to all Bryan residents through the National Flood Insurance Program.
Texas requires 30/60/25 liability coverage: $30,000 per person for bodily injury, $60,000 per accident for all injuries, and $25,000 for property damage. While this meets the legal minimum, many experts recommend higher limits since serious accidents can easily exceed these amounts. Your insurer must also include $2,500 in Personal Injury Protection unless you decline it in writing.
Bryan drivers pay around $87 per month ($1,044 annually) for minimum liability coverage, which is about $10 cheaper than the Texas average. For full coverage with comprehensive and collision, expect to pay roughly $161 per month ($1,932 per year). Your actual rate depends on factors like your driving record, age, vehicle type, and coverage limits.
Yes, standard homeowners insurance policies typically cover tornado damage since tornadoes are classified as wind damage. This is important in Texas, where around 130 tornadoes occur each year. However, flood damage from storms is not covered—you'll need a separate flood insurance policy for that.
Bryan homeowners pay an average of $1,256 per year for home insurance, which is about $400 less than the area average of $1,658. Your actual premium depends on your home's value, age, location, construction type, and the coverage limits you select. Shopping around and bundling policies can help reduce costs.
Local agents offer significant advantages in Bryan because they understand Brazos Valley-specific risks, from flooding patterns to Texas weather concerns. They can help you navigate coverage options, bundle policies for discounts, and provide personalized service when you file a claim. Bryan has six local agencies with deep community ties and decades of experience.
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