Property & Casualty – For Me

Home Insurance

Purchasing homeowner’s insurance can get confusing, and at Benefit Resource Group we understand this. Although you are not legally required to purchase home insurance as you are with car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance, don’t fret! Benefit Resource Group is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!

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    Homeowner’s coverage doesn’t have to be difficult to understand. Typically, a basic Texas homeowner’s insurance policy will cover the following:


    • The structure of your home
    • Replacement costs
    • Personal possessions (up to a set limit)
    • Living expenses in case of a disaster
    • Liability


    You can also add supplemental policies such as:


    • Valuable Articles/Floater policies (i.e. Jewelry Insurance)
    • Flood policies
    • Earthquake policies
    • Umbrella policies (additional liability)
    • Animal Liability (liability issues due to household pets)


    The needs of every home owner are different and your home insurance policy should reflect that. The agents at Benefit Resource Group will create a homeowner’s insurance policy that will best suit you and your family. Contact us today for more information on our comprehensive homeowner’s insurance policy options. Fill out our quick and simple form for a free home insurance quote!

    Auto Insurance

    We want to be your Texas car insurance agent of choice. Filling out our form is the first step in the beginning of a long partnership. We offer affordable auto insurance rates and discounts, plus maximum benefits and unmatched service.

    Our insurance agents want to make sure that your auto insurance policy fits your exact needs. From work trucks to classic cars, from minivans to convertibles; we can provide an insurance policy that actually helps protect your car.

    Typical auto insurance quotes include the following coverage types:

    Liability – insurance for property damage and injuries to others caused by you while operating your vehicle.
    Medical – coverage for the driver and occupants of the insured vehicle.
    Collision – insures the owner from loss during a collision with another vehicle.
    Comprehensive – protection from damage caused by things other than vehicle collision.
    If you are in need of affordable auto insurance contact us by using our simple auto insurance quote form or calling our toll free number. One of our local insurance professionals will be happy to explain our coverage benefits and give you a free TX auto quote today.

    Umbrella Insurance

    What is Umbrella Insurance?


    Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies help protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.


    What does Umbrella Insurance cover?


    Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.


    Why should you purchase Umbrella Insurance?


    You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but helps provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact Benefit Resource Group today for more information on umbrella policies and get a free online quote!

    Condo Insurance

    Need an insurance quote for your condo or townhouse? You’ve come to the right place.
    If you own a townhouse or condo, you have different insurance needs than the typical homeowner. Not only do you own your individual condo, you also share ownership in the common areas and overall structure of your building. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property.

    Condominium insurance provides protection where condo associations do not. Condo and town house coverage helps protect your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, and wallpaper.

    If you would like to feel more secure, you should look into purchasing a condo or town house insurance plan from Benefit Resource Group. Contact us to get a condo or townhouse insurance quote right now!

    Renter’s Insurance

    What is Renters Insurance?
    Basically, renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in a condo, apartment, house, duplex, etc., renters insurance can protect you and your assets. Having renter’s insurance can help devoid costs of damages should anything happen to a rental property that you are living in.

    Doesn’t My Landlord’s Insurance Cover Me?
    NO! Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord’s policy covers only the physical structure of the rental property, not your belongings. If the person who owns the building has rental insurance, they might be protected from costs to them should something happen to the building, but they are not responsible for covering your belongings.

    The Next Step…
    Purchasing renter’s insurance helps to ensure that your property is protected. Don’t make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact Benefit Resource Group today for more information and fill out our free renters insurance quote form!

    Motorcycle Insurance

    Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.
    Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy helps protect you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

    All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

    And no doubt you’ll qualify for some of our discounts that will make your Texas motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.

    You may qualify for a number of discounts including:

    Insuring more than one motorcycle
    Mature riders
    Credit for qualified safety courses
    Multi-policies with our company
    Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We’ll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you need.

    Even if you’ve been riding for years, it’s a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

    You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?