Moving to New Braunfels? Your Insurance Checklist

Welcome to the Hill Country. Whether you’re buying in New Braunfels, renting in San Marcos, or settling on acreage near Bulverde, getting your insurance set up right from day one saves money and headaches. Here’s a simple checklist.

1. Line up home coverage before you close

If you’re buying, your lender requires a homeowners policy active on closing day. New build? You likely qualify for new-construction discounts. Older or historic home in Gruene or downtown? That needs a carrier comfortable with older homes. Renting first? Renters insurance protects your stuff for a few dollars a month.

2. Understand the wind & hail deductible

This one surprises newcomers. Most Texas home policies carry a separate, percentage-based wind and hail deductible — commonly 2% of your dwelling amount in 2026. We always explain yours before you buy. Here’s the full breakdown.

3. Check your flood risk

The Comal and Guadalupe rivers are beautiful — and Texas is flash-flood country. Home policies never cover flood, so if you’re near water (especially around Canyon Lake or Wimberley), ask about a separate flood policy. There’s usually a 30-day wait, so don’t put it off.

4. Re-shop your auto insurance

Moving is the perfect time to re-shop your auto insurance — your old out-of-state rate rarely transfers well. We cover every driver, from clean records to non-standard and SR-22. New address, new commute, new rate — let’s make sure it’s the best one.

5. Bundle and save

Putting home and auto together usually unlocks the biggest discount available, with one local agent managing it all. Add the recreational toys and a personal umbrella and you’ve got a tidy, well-protected package.

Let a local agent set you up

We live here, we know the local quirks, and we shop 15+ carriers so you don’t have to. Get a free quote or call 830-387-4032 — welcome to the neighborhood.