Personal Insurance.
Trusted advice and insurance solutions to protect what matters most.
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Home Insurance
Your home is both a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowners insurance. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time.
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Renter's insurance
When you rent an apartment, your landlord will normally be responsible for the insurance necessary to protect against damage to the building itself, but it’s up to you to protect your possessions.
Renters insurance covers against damage or loss from burglaries, along with loss from events such as fires, certain types of water damage and more. Be sure to check your renters insurance coverage details–there will usually be both an overall limit on the payout and a maximum amount for any one renters insurance claim.
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Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.
Your condo association’s insurance policy likely covers certain aspects of your condo, such as common or shared areas. As a result, it may cover your condo unit, but not any improvements you make or fixtures you add to the condo. It also won’t cover your personal possessions.
Condo insurance is designed to make up for this shortfall. It’s a mixture of the better-known landlord insurance and renters insurance, but is specially designed for your particular condo.
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Umbrella Insurance
Umbrella insurance has an unusual name, but it’s a simple concept–it’s an extra liability policy for added peace of mind.
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available.
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Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment?
The construction style means it could be at more risk of serious damage from fire or natural disasters. Another difference is that a smaller home means there’s more risk of the entire property—and all your possessions—being destroyed in such an incident, rather than the damage being restricted to part of the home.
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Rental Property Insurance
Don’t be fooled, just because your tenant has rental insurance doesn’t mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
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Flood Insurance
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
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Secondary Home Insurance
The general principles of vacation home insurance are the same as homeowners insurance. However, there are two differences. One is that a vacation home is more likely to be unattended for extended periods, increasing the risk of burglary as well as both the risk of and potential damage from fires or flooding.
On the other hand, coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended.
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Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
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Auto Insurance
The right auto insurance policy will help get you back on the road quickly after your car is damaged or destroyed by accident, fire, theft, or other covered event. It may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
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Motorcycle insurance
Street cycles, Harley Davidsons, cruisers, touring bikes, dirt bikes and more — chances are we cover what you ride.
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Off Road Insurance
There’s no shortage of ways to get outside in East Texas. Whether you’re hitting the trail, playing the links, or just enjoying the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.
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RV & Motorhome Insurance
Protect your motorhome, travel trailer, camper, or even your horse trailer.
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Let Brownrigg help you select the right coverage for your RV needs at a price you can afford.
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Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry.
Boat insurance (or watercraft insurance) policies usually have two standard elements, with two optional extras that are worth considering. One standard feature is insurance coverage for physical damage to the boat, whether that be from a collision, fire, severe weather, theft or vandalism. The other standard feature in a boat insurance policy is liability, meaning you’re covered for damage you cause to other boats or people, along with the associated legal costs. Look for insurance policies that cover the costs of cleaning up any oil spillages if your boat is severely damaged, as well.
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Classic Car Insurance
It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.
Not all classic or antique cars are used the same, so Brownrigg will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs
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Travel Insurance
You can choose between a single-trip policy or one that covers all trips across a whole year. Which is a better value depends not just on how many trips you plan to make, but where you will be visiting. It’s definitely worth checking, as even just two trips a year can make an annual policy worthwhile.
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Pet Insurance
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
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Wedding/Special Event Insurance
It’s no secret that weddings and similar events can be a battle between the joy you naturally feel and the stress of worrying about what might go wrong. Wedding insurance is just one example of special event or “one-day” insurance that helps set your mind at ease about such risks.
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