Get Austin Auto, Renters, or Homeowners Insurance Before You Move

It’s not a surprise that Austin sees an influx of new residents every day. There’s a ton of things to see and do here, especially if you’re new to the city.

Living in Austin since the late 1990’s, some of my favorite haunts are now only folklore, while many local treasures are still here and new icons are being created. Whether you are relocating from out of state or just looking for your next home in Central Texas, we welcome you with open arms, a plate of barbecue in one hand, and breakfast taco in the other!

Before you get settled in Austin, it’s always a good idea to set up your insurance prior to your arrival. Texas has very specific laws about auto insurance that you will want to be sure you prepare for and review. In addition, it is important to protect your investment in a living space, whether you are renting an apartment, leasing a landlord condo, or buying your first new home.

It’s important to understand NO home policy Texas is the same, and it can make navigating homeowners quotes tricky. Even if you obtain a quote from the same insurance company the rate varies by hundreds based on the coverage selected. That’s why you have us, your advocate. We are here to answer your questions and customize your quote based on your request. Our local agents work for you, not the insurance company.

What to Insure

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Your Home

When you purchase a home, homeowners insurance is critical to helping protect your investment. Mortgage companies require you have insurance protection on your home, or that new downtown condo, for the duration of your loan.
We work with many lenders and can help you navigate the insurance requirements for your new residence. Make sure you’ve got a plan for getting your new Austin home insured!

Damage from Floods or Earthquakes

If you’re planning on purchasing a home, you might be interested in a supplemental insurance policy to cover unexpected weather in Austin.

Recently, Austin and the surrounding area have been inundated with rain and isolated flooding. Flood insurance can help keep your property protected, even from Austin’s fiercest rainstorms.

A recent U.S. Geological Survey shows that Texas is among several states facing significant hazards from human-induced earthquakes. A policy against earthquake damage might serve you as well.

Rental or Leased Properties

In Austin, the condo and apartment business is booming. According to the Department of Numbers, “In 2014 42.90% of households were renters according to Census ACS data.”

That means that renters insurance is a requirement in Austin. With it, you can protect yourself and your property against potential damages.

In fact, most landlords will insist you have a policy when you move in. Make sure you plan on an insurance policy to make moving into an Austin apartment easy on yourself.

Boats, Jetskis, & Watercrafts

Austin has a great deal of natural opportunities to enjoy the outdoors. Lady Bird Lake (or Town Lake) and Lake Travis offer the chance to paddleboard, boat, or ride jetskis. All of these awesome recreational vehicles can have their own insurance policies so that you can play hard without worrying too much.

Yourself and Your Health

While you’re boating, hiking, swimming, or biking, you might end up injured. Get off on the right foot by insuring yourself, and covering any potential health hazards you could encounter. That way, you’ll be prepared to paddleboard and hike to your heart’s content.

Plan Ahead

Buying Your First Austin Home? Here are a few quick tips. Texas real estate laws differ from many other states and we suggest working with a local realtor. Remember to factor in property taxes, which are higher here than the national average, although we don’t have a state income tax so that helps balance it out. Standard homeowner’s policies do not include earthquake or flood insurance – ask about optional coverage. Book movers early and note that traffic on I-35 and Mopac becomes heavy leading up to rush hour. Whether you are moving from California, New York, or right down the road, Britton and Britton Insurance is here to help. We are a family-owned, Austin-based independent insurance agency offering tailored protection for homes, autos, and more.

The Live Music Capital of the World is full of legendary landmarks, old-school gems and new dives. Get Connected! Follow event calendars like Do512 and Austin Chronicle. Austinites are friendly folks, say “yes” to local invites especially when there is a breezy patio and queso involved.

Need Local Insurance Guidance? Planning ahead makes the process easy and seamless. Request a free quote online or schedule a call with one of our local agents to get answers to your questions.

We’ve worked hard to simplify the process and get you the policy you feel is best for your lifestyle with the least hassle involved. Call Britton and Britton Insurance before you land in Austin and we’ll get you started.