Dahmann & Associates, LLC
310 S Blue Bell Rd, Brenham, TX 77833
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310 S Blue Bell Rd, Brenham, TX 77833
View this agency's profile to learn more about their services.
103 E Academy St, Brenham, TX 77833
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Brenham residents.
Brenham homeowners pay ~$1,220/year for insurance, well below Texas averages. Get rates, coverage tips for historic homes, and weather risk info.
Car InsuranceComplete guide to auto insurance in Brenham, TX. Learn about Texas's 30/60/25 requirements, at-fault laws, US-290 risks, and how to find affordable coverage.
General Insurance EducationComplete insurance guide for Brenham residents. Learn about Texas requirements, flood risks, average costs, and how to protect your home and vehicles in 2025.
Home insurance in Brenham typically costs around $1,220 per year, which is significantly lower than the Texas state average of $4,100+. Your actual rate will depend on your home's value, age, construction type, and the coverage limits you choose. Newer homes and those with updated systems often qualify for lower rates.
Standard homeowners policies do not cover flood damage, and Washington County does experience flash flooding during severe thunderstorms. Even if you're not in a designated high-risk flood zone, flood insurance is worth considering. It's typically much more affordable outside of high-risk areas, and it protects you from a gap in coverage that could cost tens of thousands of dollars.
Historic homes require specialized coverage because replacement costs are significantly higher than standard construction. You'll want replacement cost coverage rather than actual cash value, and consider adding an ordinance and law endorsement to cover the extra expense of rebuilding to current codes while maintaining historic character. Work with an insurer experienced in historic properties to ensure you have adequate coverage.
Brenham faces moderate weather risks including spring thunderstorms with hail, occasional tornadoes (though tornado risk is classified as low), and flash flooding. These risks are factored into your premiums, but they're significantly less severe than coastal areas of Texas, which is why rates are lower here. Wind and hail coverage is required by Texas law and included in all policies.
The most effective way to save is bundling your home and auto insurance with the same carrier, which typically saves 15-25%. Other discounts include installing security systems, smart home devices like water leak detectors, maintaining a claims-free history, and updating your roof or major systems. Always compare quotes from multiple insurers, as rates can vary significantly for identical coverage.
Yes, absolutely. Washington County home values rose 6.1% in 2025 to a median of $350,000, and replacement costs have increased due to materials and labor inflation. Review your dwelling coverage annually and adjust it to reflect current replacement costs. Being underinsured by even $50,000-$100,000 could leave you financially exposed after a major loss.
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