Fredericksburg

About Fredericksburg

Insurance in Fredericksburg, TX

Inszone provides insurance in Fredericksburg, TX for households, landlords and business owners across Gillespie County. Formerly Bierschwale-Rees Insurance, an agency founded in 1903, our office at 405 W Burbank keeps the address and phone number local clients already know.

Our office is in the Gillespie County seat, a town where the county’s 50-plus wineries and vineyards, and the restaurants, inns and shops along Main Street, keep hospitality at the center of the local economy. As an independent insurance agency in Fredericksburg, TX we work with multiple carriers, so when a renewal comes back higher than expected or a carrier no longer wants a risk, we have other markets to approach.

Gillespie County is inland, so it sits outside the coastal counties served by the Texas Windstorm Insurance Association, and hail and severe thunderstorms are the wind risks that shape most policies here. Many policies in this part of Texas carry a separate wind-hail deductible, and some settle older roofs at actual cash value. Flood is excluded from standard homeowners policies and is written separately. An insurance specialist can show how each of these is written on a specific policy.

Buy your insurance in Fredericksburg, TX!

Personal Insurance in Fredericksburg, TX

For car insurance in Fredericksburg, TX, we compare liability limits, uninsured motorist options and deductibles across several carriers instead of quoting one company. The Texas minimums, and the two coverages included by default unless they are rejected in writing, are set out in the FAQs below.

Our home insurance in Fredericksburg, TX quotes show the wind-hail deductible in dollars, alongside how each carrier settles an older roof. We also write renters and condo policies, landlord policies for rental property, and personal umbrella liability. Motorcycles, boats, RVs and classic cars are available as well. Farm and ranch property is another line we discuss with rural clients.

Business Insurance in Fredericksburg, TX

Visitors drive much of Fredericksburg’s economy, and much of our business work follows them. We place general liability, commercial property, business owner’s policies and business income coverage for tasting rooms, restaurants, taverns, inns and galleries. Nonprofits that run festivals and community events are part of that book as well.

For winery insurance, we look at the vineyard, the production building and the tasting room as separate exposures. Restaurant insurance for local kitchens, taverns and bars can add liquor liability, which is generally written as its own coverage. Bed and breakfast insurance for guest houses and inns often brings property, liability and business income together in one program.

Workers’ compensation is optional for most private Texas employers, and choosing not to subscribe gives up several common-law defenses if an employee sues. We set out what subscribing and not subscribing each involve, so the decision stays with you. For health insurance in Fredericksburg, TX, we can review options for individuals and for employers with group needs. Life insurance is available too.

Inszone Insurance agency near me

If you are looking for an insurance agency in Fredericksburg, our office is at 405 W Burbank, open Monday through Friday, and the local number is 830-997-7693. Our Hill Country insurance work spans households, landlords and businesses in town and the communities around it.

Because we work with multiple carriers, you can compare several companies in one conversation instead of calling each one. Clients of Bierschwale-Rees Insurance keep working with the same office, and an insurance specialist can review any existing policy with you.

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FAQs

Is Inszone in Fredericksburg, Texas the former Bierschwale-Rees Insurance?

Yes. Inszone Insurance Services in Fredericksburg, Texas, was formerly Bierschwale-Rees Insurance, an independent agency that served Gillespie County for more than a century. We are in Fredericksburg, Texas, not Fredericksburg, Virginia. Our office is at 405 W Burbank, and our phone number is 830-997-7693, the same number Bierschwale-Rees clients have used.

How are wind and hail written on a Fredericksburg home policy?

Gillespie County is inland, and the Texas Windstorm Insurance Association writes in 14 coastal counties and part of Harris County, none of which is Gillespie. Wind and hail are usually written inside the homeowners policy, and many policies carry a separate wind-hail deductible expressed as a percentage of the dwelling limit. Some carriers settle older roofs at actual cash value rather than replacement cost. Flood is excluded from standard homeowners policies and is written separately through the NFIP or a private flood carrier.

What are the minimum auto insurance requirements in Texas?

Texas requires liability limits of at least $30,000 per person, $60,000 per accident, and $25,000 for property damage. Texas is not a no-fault state, but personal injury protection and uninsured/underinsured motorist coverage must both be included unless you reject them in writing. Ask an insurance specialist whether either was rejected on your current policy.

Does my Fredericksburg business need workers’ compensation insurance?

For most private employers in Texas, workers’ compensation is optional. It is mandatory for public employers, building and construction contractors on public projects, motor carriers and a few other categories. Employers who choose not to subscribe must file an annual notice with the state, post notices and notify each new hire, and they give up the common-law defenses of contributory negligence, fellow servant and assumption of risk. That can expose a non-subscriber to compensatory and punitive damages, so the choice is worth walking through with an insurance specialist.

What kinds of business insurance do Fredericksburg wineries, restaurants and bed and breakfasts look at?

General liability and commercial property are the starting point for most of them. Businesses that serve alcohol often add liquor liability, which is generally written as its own coverage. Tasting rooms, restaurants and inns may also look at business income coverage for slower seasons. An insurance specialist can walk through how each of these is written.

How do I get a quote from your Fredericksburg insurance office?

Call 830-997-7693, use the quote form on this page, or visit the office at 405 W Burbank. Your current declarations page helps, and for business coverage it helps to have revenue, payroll by class and recent loss runs on hand. If you have received a non-renewal notice, an insurance specialist can review your options with you.