Insurance FAQs

The factors that impact the cost of auto insurance include the town where you live, the car you drive, the coverage amount, your deductible amount, and your driving record. These are just some of the factors that all insurance companies consider when determining your premiums.

It depends on whether you have a mortgage or not. When you have a mortgage, the mortgage provider requires it. This helps ensure they will get their investment money back should something bad happen to the house. If you do not have a mortgage, the decision to have homeowners’ insurance is up to you. We always recommend it because the cost of repairs for significant damage can be too much to handle without some extra help.

There are a few things that you can do to lower your car insurance premiums such as taking a defensive driving course, raising your deductible amount, lowering your coverage amounts, and paying for your full term of insurance upfront.

Some things to help lower your home insurance costs include raising your deductible, lowering coverage levels, investing in a home security system, and using quality materials for home repairs.  

A defensive driving course, also known as a smart driver course, is an educational program designed to teach drivers how to be proactive about their safety on the road. This can include tips on how to react to other drivers who act hostile towards you, safe driving techniques, and basic car maintenance tips.

An auto insurance policy should reflect how you drive, what you drive, and your financial risk tolerance. Key factors include liability limits to protect you if you cause an accident, collision and comprehensive coverage for damage to your vehicle, uninsured/underinsured motorist coverage, and appropriate deductibles. You should also consider taking advantage of add-ons such as roadside assistance, rental reimbursement, and gap coverage if you finance or lease your car.

A strong home insurance policy should cover the cost to rebuild your home, replace your personal belongings, and protect you from liability claims. Important considerations include dwelling coverage, personal property coverage, loss of use coverage, and personal liability protection. You should also review deductibles, replacement cost versus actual cash value, and any endorsements that you might need for risks like floods, earthquakes, or valuable items.

Property insurance generally covers physical damage to buildings and personal belongings caused by covered events such as fire, theft, vandalism, or certain weather events. Coverage can apply to homes, commercial buildings, and personal property, depending on the policy. Property insurance does not always include every type of loss, so it’s essential to be familiar with exclusions such as floods or wear and tear.

Yes. Renters’ insurance is an affordable way to protect your personal belongings from theft, fire, or other covered losses. It also provides liability coverage if someone is injured in your rental and loss of use coverage if you are temporarily displaced. Even though your landlord insures the building, their policy does not cover your personal property or liability. Renters’ insurance helps fill the cracks to fully protect you.

RV insurance accounts for the fact that recreational vehicles often serve as both transportation and temporary living spaces. In addition to standard auto coverages, RV policies can include coverage for personal belongings, attached accessories, vacation liability, and emergency expenses. Coverage options will vary based on several different factors.

Travelers insurance can help protect you from unexpected expenses related to trip cancellations, medical emergencies, lost luggage, or travel delays. It is especially valuable for international travel or expensive trips where unforeseen events could cause significant financial loss. Coverage options can be tailored to the type and length of your trip.

Our local insurance agency offers personalized service, local market knowledge, and ongoing support. Our agents understand regional risks, can explain coverage in plain language, and advocate for you when making claims. Unlike call centers, our local agency builds long-term relationships and adjusts coverage as your needs change.

At Aright Insurance Agency, we are determined to help you protect yourself and your belongings. Our office helps you assess your risks, compare coverage options from reputable carriers, and select policies that fit your needs and budget. We provide ongoing service, policy reviews, and claims support to give you guidance before, during, and after a loss. Our goal is to simplify the insurance process and give you confidence in your coverage.

Aright Insurance Agency has two locations in Bryan and Madisonville, allowing us to serve clients in Bedias, Caldwell, College Station, Hearne, Jewett, Midway, Navasota, and the surrounding areas of Texas.