Property Insurance

Strength and stability for your home

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different. At BRIA Insurance & Risk Consultants, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

• Fire and lightning.
• Collisions from vehicles or aircraft.
• Hail.
• Sewer/drain backup.
• Windstorm.
• Vandalism.
• Volcanic eruption.
• Smoke.
• Freezing conditions or snow.

Property insurance options to consider

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from BRIA Insurance & Risk Consultants who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing. Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with BRIA Insurance & Risk Consultants before making a decision. Contact us to discuss your specific situation and needs.

Homeowners Liability

Protect yourself, your home, and your finances

Accidents can happen, even at home. If someone were to claim an injury on your property, there’s no stopping them from affecting your finances, your house, or anything else you own that can be labeled as compensation. As the property owner, you could be held fully responsible for injuries to others that occur due to hazardous conditions such as poor lighting, floor hazards, or falls resulting from snow or ice.

With a Homeowners Liability policy from BRIA Insurance & Risk Consultants, you can ensure the security of your finances and the safety of your family in the event of an accident. For serious injuries, including casualties, you may be responsible for paying large medical bills and even court costs if you are sued. This policy works to protect you in a variety of situations, including:

• Claims for property damage.
• Claims for injury to others (either on or off the premises).
• Liability defense costs.
• Medical expenses for injuries to others.

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Contact a representative from BRIA Insurance & Risk Consultants to determine the right amount of coverage to keep you protected today.

Renters Insurance

Unlike homeowners, individuals who choose to rent often opt to lease their residence for the decreased maintenance and responsibility. However, while a landlord is typically responsible for the upkeep of the renter’s building, they are not liable for a tenant’s belongings. In the event of fire, theft, or vandalism, it is important that a renter has the proper insurance to protect their property.

At BRIA Insurance & Risk Consultants, we understand the importance of protecting your assets. We work to provide tenants in Austin, Lakeway, Bee Cave, and the surrounding areas with the amount of coverage they need should their belongings ever be damaged or stolen.

Protecting the assets of renters with appropriate coverage

By working with our clients to identify needs, we are able to match them with the most fitting renter’s policy. Depending on an individual’s coverage, their insurance could protect their assets one of two ways: Actual Cash Value or Replacement Cost.

• Actual Cash Value (ACV) insures items for their current worth.
• Replacement Cost pays for the replacement of damaged items with brand new pieces.

We also offer liability coverage and policies that may benefit a renter in a “loss of use” situation. Once we have determined appropriate coverage, we turn to our trusted carriers for affordable premiums. To get started, request a quote.

Available agents for renters

Should a client need to file a claim or simply have a question, we make a point to be available for our customers. Our staff enjoys building lasting relationships with their clients and they are dedicated to ensuring that renters have the appropriate insurance policy in place.

By taking the time to work with our clients on an individual basis, we not only gain a better understanding of a customer’s exposures, but can offer recommendations on the different options. With access to multiple carriers, we have a price and payment plan to fit everyone’s budget.

Contact us to learn more about how we can protect your assets while renting.

Condo Insurance

As a condominium owner, you might expect the insurance policy provided by your homeowner association (HOA) to cover your home. Unfortunately, the typical HOA policy does not cover the interior of your condo and its vital contents, which is why it’s crucial to secure the proper insurance and make sure you are covered. BRIA Insurance & Risk Consultants provides condo insurance to clients in Austin, Lakeway, Bee Cave, Round Rock, and surrounding areas.

Understanding your existing condo coverage

Generally, HOA insurance will cover damage to the exterior of the condominium building and common areas, such as walkways and stairs. However, it does not cover the interior walls and incidents that may happen inside of the condo as well as your belongings on the premises.

Condo insurance (also known as an HO-6 insurance policy) can cover events including:

• Explosions.
• Fire.
• Hailstorms.
• Lightning.
• Slips, falls. and injuries.
• Theft/break-ins.
• Vandalism and malicious mischief.
• Water-related accidents and damage (e.g., burst pipes).
• Windstorms.

Keep in mind that even if the HOA policy does cover damage, there might be limits to what the HOA’s policy limit will allow. For example, some HOA policies won’t cover plumbing or wiring-related issues. It’s important to keep yourself informed on what your current coverage is and make sure you’re protected.

Protect your home

Other factors will also determine what kind of condo insurance is right for you, such as where your home is and what kind of materials were used to construct the building. Don’t put off planning in the event of a disaster for your home and contact the team at BRIA Insurance & Risk Consultants to request a free quote.

Mobile Home Insurance

Specialized security for your home and property

At BRIA Insurance & Risk Consultants, we know you’ve worked hard to turn your mobile home into the perfect living space for you and your family, but sometimes accidents like fire or severe storms can cause major setbacks. That’s why we’re committed to serving all of your insurance needs. With a specialized Mobile Home Insurance policy, you can safeguard your home and your belongings in the event of a covered loss.

Mobile Home Insurance works much like a typical Homeowners policy and typically includes features such as:

• Personal property protection to pay for loss or damage to most of your personal items.
• Family liability protection to provide legal representation against injury or property damage claims.
• Guest medical protection to help cover the medical expenses for visitors injured in your home.
• Home and structure protection to compensate you for building repairs after a covered accident.
• Additional living expenses to reimburse you for temporary housing during reconstruction.

Additional benefits for your mobile home

We know how special your mobile or manufactured home is to you, and we’re proud to offer exceptional insurance policies that are designed to meet your budget. You may also qualify for extra savings and discounts simply by having extra security devices installed in your home or by combining your Mobile Home and Auto Insurance policies.

Talk with an insurance specialist at BRIA Insurance & Risk Consultants to learn how you can save with Mobile Home Insurance.

Scheduled Property Insurance

Security for your most special possessions

At BRIA Insurance & Risk Consultants, we know that your personal belongings are an extension of you, and oftentimes, the things you hold onto the most are the items in which you’ve invested significant time and money. The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions.

Scheduled Personal Property (SPP) Insurance enhances your current homeowners or renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.

Should you decide to add the premium protection of SPP Insurance, one of the specialists at BRIA Insurance & Risk Consultants will work with you to determine the replacement cost of each item you would want to have insured.

The items you own are unique, which is why at BRIA Insurance & Risk Consultants, we can create a policy that fits your specific needs in order to ensure the security of your most personal belongings.

Landlords Insurance

Rent with confidence

A rental property is an important asset that can supply you with a valuable source of income. As the owner of an apartment, home, condo, or other property, you’ll want to be prepared in the event that your investment is damaged. With a Landlords Insurance policy from BRIA Insurance & Risk Consultants, you’ll receive a complete degree of protection to keep yourself and your rental property insured.

The proper landlord policy can provide options from personal property and liability to medical payments to others and dwelling coverage to accommodate the special risks that you as a property owner may face. Landlords Insurance can also cover:

• Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants.
• Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury.
• Legal counsel and fees in the event of a related lawsuit.
• Additional expenses to make up for lost income if your property needs repaired through loss of use.

Because of the variety of options available, an insurance specialist at BRIA Insurance & Risk Consultants is available to make sure you have the right amount of coverage for your rental property at a price that meets your budget. With the benefits of a Landlords Insurance policy, you can rent to tenants with the confidence of knowing your investment is secure. Contact us to discuss your specific situation and needs.

In-Home Business Insurance

It’s not just your home, it’s your living

Home-based businesses, both big and small, have become one of the fastest-growing commercial segments in America. As the owner of an in-home business, chances are your operations extend beyond the walls of your home. At BRIA Insurance & Risk Consultants, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard homeowners policy.

We know that you’ve invested hard work and countless hours into building up your in-home business, and because of that, BRIA Insurance & Risk Consultants wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business Insurance policy from BRIA Insurance & Risk Consultants can cover:

• Professional liability.
• Personal property used for business operations.
• Loss of income due to a covered event.
• Loss or damage to business records and inventory.

Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at BRIA Insurance & Risk Consultants today to create the perfect plan to address all of your business needs.

Identity Theft

Get back to being yourself

Identity Theft has become the fastest-growing white-collar crime in America. All it takes is your name, social security number, and date of birth, and a thief can apply for everything from a credit card or a bank loan to even an insurance policy. Having your identity stolen damages your sense of security, but the real hardship may be how difficult, time-consuming, and expensive it can be to restore your credit and get your life back on track.

Identity Theft coverage from BRIA Insurance & Risk Consultants is a simple and affordable way to protect you and your family from this growing threat. By adding ID coverage to your current Homeowners, Condo, or Renters Insurance, you will receive invaluable tools to help cover the costs and expenses of restoring your identity.

Included in a policy with Identity Theft protection are expenses associated with:

• Attorney fees.
• Costs of certified mail.
• Loan re-application fees.
• Costs of long-distance phone calls.
• Reimbursement for lost income.
• Costs of executing affidavits.

Our goal is to secure your identity

In addition to helping you get your finances back in line, BRIA Insurance & Risk Consultants also offers some of the best service in the industry, with round-the-clock assistance from experienced professionals. Our Identity Fraud experts will work with you one-on-one to quickly assess your situation and take action to:

• Stop further damage to your credit by contacting major credit bureaus.
• Make all required phone calls to creditors, banks, and agencies with whom you do business.
• Assist in replacing valuable documents like your driver’s license, passport, or social security card.
• Provide an emergency cash advance if theft occurs while away from home.*

Having your identity stolen is frustrating enough. Having to recover and restore your credit and finances should not have to be. Talk with a specialist at BRIA Insurance & Risk Consultants to learn how Identity Theft coverage can help save you time, money, and a whole lot of pain.

*Restrictions and limits apply

Aviation Insurance

Commercial airlines hold property insurance on airplanes and liability insurance for negligent acts that result in injury or property damage to passengers or others. Damage is covered on the ground and in the air. The policy limits the geographical area and individual pilots covered.

Contact to a representative at BRIA Insurance & Risk Consultants today to discuss your Aviation insurance needs.

Personal Umbrella Insurance

Be ready for anything and everything

Personal Umbrella Liability is one of the most commonly overlooked policies, but,  in the case of a catastrophic financial event, it could be the best line of defense you will ever have. If you are involved in a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from BRIA Insurance & Risk Consultants will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.

Coverage that keeps you protected

Your Umbrella Liability policy from BRIA Insurance & Risk Consultants works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:

• Car accidents.
• Accidental injuries on your property.
• Accidents involving your boat, ATV, or other recreational vehicle.
• Golf course injuries.
• Defense fees and other legal costs.
• Personal Injury Coverage for claims of libel, slander, and more.

At BRIA Insurance & Risk Consultants, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision. Contact BRIA to discuss your unique situation and coverage needs.