Braly Insurance Group
4040 Highway 6, Ste 200, College Station, TX 77845
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College Station households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4040 Highway 6, Ste 200, College Station, TX 77845
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411 Cold Spring Dr, College Station, TX 77845
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4438 SH 6 S Unit 402, Suite 10, College Station, TX 77845
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505 University Dr E, Ste 603, College Station, TX 77840
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Learn about insurance coverage options specific to College Station residents.
Complete guide to auto, home, and renters insurance in College Station, Texas. Learn costs, flood risks, student coverage, and local agent options in Aggieland.
Home InsuranceCollege Station home insurance averages $1,069-$1,330/year. Learn about tornado and hail coverage, flood insurance, and student rental property protection.
Car InsuranceCollege Station auto insurance averages $912/year for minimum coverage. Learn about Texas 30/60/25 requirements, student discounts, and why rates are higher near Texas A&M.
College Station sits in Texas's Flash Flood Alley, making flood risk real even if you're not in a designated flood zone. Standard home insurance doesn't cover flood damage at all, and 40% of flood claims happen outside high-risk areas. Even one inch of water can cause $26,000 in damage. Given that flood insurance costs a few hundred dollars annually and takes 30 days to activate, it's worth discussing with a local agent who knows your specific neighborhood's risk.
College Station homeowners pay $1,000-$1,330 per year on average for home insurance, which is significantly lower than the Texas state average of $4,100. Your actual cost depends on your home's age, value, construction type, roof condition, and specific location. Bundling with auto insurance and installing security systems or storm protection can reduce your premium by 15-25%.
Texas A&M doesn't require renters insurance, but strongly recommends it because the university explicitly doesn't cover students' personal property anywhere on campus. For $15-25 per month, renters insurance covers your belongings and provides liability protection if you accidentally cause damage or someone gets injured in your space. Some parents' homeowners policies extend coverage to students, but you should verify this directly with the insurer rather than assuming you're covered.
Texas's minimum 30/60/25 liability coverage often isn't enough, especially considering that 20% of Texas drivers are uninsured. Medical bills and vehicle repairs from even moderate accidents can exceed these limits, leaving you personally liable for the difference. Most insurance professionals recommend higher limits like 100/300/100 and adding uninsured motorist coverage to protect yourself from drivers who have no insurance at all.
Many Texas insurers now inspect roofs before offering coverage because hailstorms cause massive damage in areas like Brazos County. If your roof is over 15 years old or shows existing damage, insurers may charge significantly higher premiums, offer limited coverage, or decline to insure your home entirely. They're protecting themselves from paying for damage to roofs that were already near the end of their useful life.
Local agents in College Station understand specific neighborhood risks like flood exposure, which areas are prone to hail damage, and how to structure policies for homes near campus. They can identify discounts you'd miss online and advocate for you during claims. While online quotes are convenient for comparison shopping, a local agent provides personalized service and expertise about Brazos County's unique insurance landscape that algorithms can't match.
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