These days, it’s more important than ever to be covered for the risks of natural disasters. Weather and climate patterns are more unpredictable than ever, and our plans are designed to ensure your property is protected. Whether it’s a risk like fire, windstorms, earthquakes, or floods, you can count on our team to help you rebuild and recover when faced with a disaster.
Property & Home Insurance
Property & Home Insurance That’s Tailored for You
As a Texas-based insurance company, Stonebrook Insurance knows that your home is one of your most valuable assets. From your family home to your vacation or rental properties, there’s no need to leave your investments vulnerable when there are ways to keep them protected. We pride ourselves on customizing our plans so that you can rest easy when it comes to the safety of your property and investments. Serving clients nationwide, Stonebrook Insurance can help you find the perfect property and home insurance to meet your needs and offer maximum coverage for unexpected life events.
Browse through our diverse collection of insurance products to keep your property secure and your mind at ease. No matter your needs as a homeowner, landlord, or renter, Stonebrook Insurance has a solution to meet your needs. From comprehensive home coverage that protects your dwelling and personal property to specialized flood insurance that keeps you covered during unexpected weather disasters, Stonebrook Insurance makes it easy to ensure that your property is always safeguarded. Our dependable plans and dedicated customer service team can help keep your investments protected and provide you with security in any situation.
Browse Our Property & Home Insurance Options
We understand that every homeowner and property has its own unique needs, which is why we offer a diverse range of coverage options designed to protect all different types of property. Here’s a quick look at just some of the types of coverage you can find:
Homeowner’s Insurance
Protect your home and personal possessions with Stonebrook’s homeowner’s insurance coverage. This plan provides robust coverage against everything from fire and theft to weather damage. Plus, it includes liability coverage to keep you covered if a guest is injured on your property. Rest easy knowing that your home is one of the most important aspects of your life is properly shielded from unexpected events.
Renter’s Insurance
Are you renting your home? If so, renter’s insurance from Stonebrook Insurance can keep your personal possessions protected in the event of a fire, theft, vandalism, or other property-related risk. This policy also provides liability coverage in case of an accident in your rental property, giving you peace of mind and affordable, flexible plans for maximum coverage to tenants around the nation.
Vacation Homes
You work hard to provide for your family, which is why enjoying your second or seasonal home should be as stress-free as possible. Keep your vacation home protected with a property insurance plan from Stonebrook Insurance. Covering you whether you’re staying in your getaway or away on other travel, vacation home insurance from Stonebrook Insurance ensures your second home remains just that—a place to enjoy the peace and relaxation you work hard to earn.
Flood Insurance
Your standard homeowner’s insurance likely doesn’t cover flood damage. That’s why, if you live in a high-risk area for flooding, a flood insurance policy is a must. Our flood insurance plans keep your property covered and ready for natural disasters that can cause water damage that would otherwise be financially devastating.
Supplemental Benefits
Our supplemental insurance offerings can fill in the gaps of your team members’ overall coverage. Stonebrook Insurance carries offerings like dental, vision, accident insurance, and more that can supplement your business’s comprehensive coverage.
Flexible Spending Accounts (FSAs)
Flexible spending accounts are a tax-advantaged way to help employees save on dependent and healthcare costs. These accounts allow your team members to set aside pretax earnings to pay for medical expenses, or even dependent care like child or elder care costs.
Builder’s Risk Insurance
If you’re building or renovating a home, it’s essential to keep your project protected with builder’s risk insurance. This type of policy from Stonebrook covers your property and building in all stages of construction. From protecting your building materials and supplies to covering structures under development, it’s easy to rest easy knowing your investment is secure.
Learn More About Property & Home Insurance
There’s no need to take chances when it comes to the safety of your property or the expenses associated with unexpected life events. We offer a wide variety of coverage options to make sure your property is as safe and secure as possible. Our plans are designed to meet the diverse needs of all homeowners while providing as much protection from the unexpected as possible. Here are some of the main features you can expect to find:
Protection from Natural Disasters
Liability Coverage
Accidents can happen to anyone at any time, which is why our liability coverage ensures you don’t face financial repercussions for things like falls or mishaps on your property. We also cover you if an accident or misstep on your property leads to damage to someone else’s property, so you never have to worry.
Coverage of Personal Belongings
Your home isn’t just a structure—it’s your family’s memories, heirlooms, and valuable possessions. Our plans cover personal property losses to help you protect your belongings from risks like theft or loss. This coverage applies to all your personal possessions and valuables, from your day-to-day electronics and furniture to jewelry or collections, even when you’re on the go.
Additional Living Expenses
When your home is damaged and you’re temporarily unable to stay there, we’ve got you covered. Our additional living expenses coverage can help you with the costs of relocation if your home is deemed uninhabitable. We’ll cover temporary housing expenses like hotels, meals, and other living costs so you can continue to focus on your family while we take care of you.
These features are just some of the many reasons our clients trust us with their most valuable assets. We offer robust, all-encompassing plans designed to fit your individual needs while also meeting the diverse challenges of homeownership. From protecting your physical home to ensuring your financial security, we’re here to help you face life’s uncertainties with confidence.
Customize Your Policy to Your Needs
Your home is as unique as you are, which is why our policies are fully customizable. We provide comprehensive and flexible customization options to ensure your coverage is as tailored to your lifestyle and preferences as it is effective. Whether you’re interested in protecting valuable possessions, getting extra coverage for unexpected costs, or supporting your eco-friendly lifestyle, we’ve got you covered. Some of the most popular add-ons we offer include:
- Coverage for High-Value Items: From jewelry to electronics to art and other valuable items, we can provide special coverage to protect your most cherished possessions from loss, theft, or damage.
- Extended Replacement Cost Coverage: If you need to rebuild after a major event, rest easy knowing that you have the funds to do it without financial burden. Extended replacement cost coverage helps you cover the cost of your new home, even if inflation, material scarcity, or labor shortages lead to a rise in construction costs.
- Eco-Friendly Coverage : Support your sustainable lifestyle with extra coverage for environmentally-friendly upgrades, including solar panels, energy-efficient systems, and more. Improve your home while lowering your carbon footprint and saving on long-term expenses with our eco-friendly coverage options.
- At Stonebrook Insurance, we understand that you have priorities and we’ll do our best to work with you to create a policy that reflects them. We’ll help you navigate the complexities of property insurance while ensuring you get the level of coverage you’re after. Plus, it’s all done at a price you can afford and with complete transparency.
What Our Clients Have to Say
Why Choose Stonebrook Property & Home Insurance?
Stonebrook Insurance is different. We have a customer-first approach to everything we do and we’re backed by industry-leading experience. That’s why clients nationwide have made us their go-to source for property and home insurance coverage.
Here are just some of the ways we rise above the competition:
Years of Experience: Our team members have years of industry experience and have put that into action, helping clients with their property and home insurance. We know the challenges you face as a homeowner and what you’re looking for from a property insurance policy, which means we can give you guidance when you need it most.
Tailored Solutions: We understand that no one is the same and your home is just as unique as you are. That’s why each policy is custom built to meet your goals and your property’s specific needs.
A Reputation for Reliability: Our network of partners and insurers only includes the best of the best in the industry. We can help you get dependable, comprehensive coverage that provides for you when you need it.
Competitive Rates: Coverage doesn’t have to break the bank, which is why Stonebrook Insurance has competitive rates for our clients. Your protection is our top priority and that includes helping you keep your premiums within your budget.
Nationwide with a Texas Heart: We may be based in Texas, but we believe in serving clients across the country. No matter where you live, you can expect the same level of service from Stonebrook Insurance. You’ll be treated like family every step of the way while still being supported by our Texas roots.
Put simply, with Stonebrook Insurance, you’re not just getting a policy—you’re finding an insurance company you can trust to keep what matters most to you protected. Contact us today so we can help you find the right coverage.
Contact Us Today.
Don’t take chances with your most valuable assets. Contact Stonebrook Insurance today to learn more about our Property & Home Insurance options and how they can help you protect what matters most to you and your family. Whether you need coverage for your primary residence or a rental, vacation home, or flood insurance, our team is on hand to help. So, call today to get started!
Frequently Asked Questions
What factors Influence my property insurance premium?
Your insurance premium can be influenced by factors such as the value and location of your property, your claim history, the type of coverage you choose, your deductible amount, and even your credit score in some cases. Certain risks, like living in areas prone to natural disasters, can also increase premiums.
Do I still need flood insurance for my property?
Flood insurance is important if you live in a flood risk area, as standard home policies don’t usually provide flood coverage.
How do I know if I have enough coverage for my belongings?
To ensure adequate coverage, create an inventory of your belongings, including their estimated value. Compare this total to your policy's personal property coverage limit. If the limit isn't sufficient, consider increasing it or adding specific coverage for high-value items like jewelry or electronics. For a more accurate estimate, feel free to consult with the professionals at Stonebrook Insurance.
How often should I update my policy to reflect changes in my property or belongings?
It is best to review your policy at least once a year or after major life events, such as renovations, new purchases, or significant changes to your property. Keeping your insurer updated ensures your coverage remains adequate and up-to-date.
