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Phone: 979-693-0201 Email: [email protected]

Myke Leatham | Brazos County Realty

Myke Leatham | Brazos County Realty

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Why Getting Home Insurance is a Good Idea for Your College Station Texas Real Estate

January 30, 2014 by Myke Leatham

Generally speaking, homebuyers take out a homeowners insurance policy for the same reasons they take out car and health insurance policies: if a home is damaged or someone else is injured on the property, insurance helps owners cope with the financial consequences. For most, homeowners insurance is actually a combination of both hazard insurance and liability insurance. If you’re wondering why getting home insurance is a good idea for your College Station Texas real estate, continue reading to learn more about the different types of coverage and what is and is not included.

Insurance For College Station Real Estate For Sale

First is the hazard portion of the insurance policy. Hazard insurance protects you against unintentional damage or destruction to your home or its contents – including fire, storm, theft, vandalism and similar threats. It can cover the cash value of the damages or the replacement value. The replacement value offers enough to replace what you lost, while the cash value only pays what the property is worth.

Liability insurance is the second portion of a homeowners insurance policy. This type of coverage is for personal liability for accidents that take place on your property. If your neighbor trips and falls on some steps in your yard or if your deck is slippery and a friend falls and breaks their ankle, this coverage will pay for their medical expenses, up to the policy limit.

There are several exclusions that you may want to consider when purchasing home insurance for your College Station Texas real estate. Below is a list of some of the items not typically covered in a normal homeowners policy:

  • Special Property: While homeowners insurance covers most of the property in your home, there are limits to what they can cover, such as cash or jewelry. If you have a home office, standard policies also do not cover business equipment. You may consider paying more for a supplemental policy that will protect you if these items are damaged or stolen.
  • Flood and Earthquake: These two items are not typically covered on the standard homeowners insurance policy and should be considered as a separate policy. Flood protection ensures you are protected from most water damage, not just from weather-related flooding.

For those of you that have Bryan TX rentals or College Station rentals, you may want to consider renters insurance. Renters insurance is just like homeowners insurance – only it is for renters. If your property is destroyed, you will receive money to replace it. While your old futon and 1990s television are not worth much, if you add up the value of everything you have, it is probably worth at least a few thousand dollars. It would be difficult to quickly replace these things in the event of a loss without having renters insurance. Moreover, renters insurance is important to protect your personal liability. A friend could trip on your rug and sue you for medical payments or your barbeque could start a fire extending to your neighbor’s apartment. If you have renters insurance at least some of these costs will be covered.

These are just a few of the items you should consider when thinking about property insurance. It is not just insurance to replace your possessions, but to protect you from personal liability could potentially bankrupt you if not protected.

Whether you’re thinking about homeowners insurance or are a College Station renter thinking about renters insurance and need some guidance, don’t hesitate to contact me at your convenience. With years of experience in the real estate market, I am familiar with the different types of homeowners and renters insurance policies and can put you in touch with numerous insurance companies throughout our region that can help you.

When you’re ready to learn more, please do not hesitate to contact me. I look forward to hearing from you and to sharing my knowledge and expertise with you. I am always available for consultation and can be reached via phone or website inquiry. Connect today!

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Category: Blog

About Myke Leatham

I’m so glad you found me – your College Station and Bryan, TX real estate source! When you choose to buy or sell a home in College Station/Bryan, TX or other surrounding areas using our expert services, you will receive a free consultation to determine your needs, free listings, and free reports sent to you by email. These weekly reports will show you how hard the members of my team are working to accomplish your property goals, and we guarantee the best service and consultation you have ever experienced. You’ll find the best community information for the College Station, Texas region right here.

It’s nice to know YOUR Realtor will still be of service after the sale.

Experience Counts: Broker/Owner of Brazos County Realty
Over 25 years of sales experience. With past ABR, GRI, CRS, & Epro designations.
Continuing education in real estate: Education is paramount in an ever changing industry like Real Estate. Myke has taken over 1000 hours of real estate specific courses which include but are not limited to: Residential Appraisal, Marketing, Law Contracts I & II, Finance, Residential Inspections, Principles and Practice, Law of Agency, Code of Ethics, Bankruptcy/Easements/Surveys/and Probate, Home Warranties, 1031 Exchanges and hundreds of hours of extensive real estate training.

Reputation: SALES LEADER since 1998; Top Producer 2000 through 2009. Listed among the top agents in the county. Consistently ranked among top realtors for total sales volume out of 900 realtors for commercial and residential real estate in the Bryan/College Station, TX area. When Myke represents buyers, she presents all viable options to her clients, including those properties that are not officially listed, but could be available for sale based on her inside information. Her expertise lies with investors and marketing homes of all price ranges in College Station/Bryan to local, national and global buyers, across all major media channels and through her extensive, personal network of contacts.

Myke is among the top 1% of all Realtors in North America!
She has earned the Designations of ABR (Accredited Buyers Representative), CRS(Certified Residential Specialist), GRI (Graduate of Realtors Institute)CHMS (Certified Home Marketing Specialist), and E-pro (Certified Internet Professional)
Fewer than 3% of all Realtors nationwide earn these certifications. They are not only a symbol of Myke’s commitment to this business, but these designations are your assurance of a skilled, trained real estate professional.

Myke is a consummate real estate professional who not only understands the art of deal-making, but also the art of relationships. She makes the process of buying and selling homes an uplifting and fun experience. She has a tremendous appreciation for Bryan and College Station, its rich history, and Texas A&M traditions having lived in the area for 25 years. Her knowledge of Bryan/College Station’s real estate market and market trends is unparalleled. Having been personally involved with clients through their remodeling, purchasing and selling processes, she knows intrinsic quality and value when she sees it. When she doesn’t see it she lets her clients know, without hesitation.
Myke’s proven track record and affiliations in the field of real estate demonstrates her high level of professionalism.

* High energy and enthusiasm
* Aggressive marketing
* Expert negotiating skills
* Ability to listen and ascertain customer’s desires and needs
* Fun to be with
* Internet savvy
* Because Myke is an experienced investor, she quickly helps her customers locate and define good business opportunities. No one likes the feeling of being ‘sold to’ so Myke provides as much information as possible to help you make the right decision.

Personal Commitment:
I am prepared to go the ‘Extra Mile’ for you, because I understand the financial and emotional significance of purchasing and selling your home. I will carefully listen to your desires and arrive at a workable plan. I believe sensitivity, listening, and service are important keys to success.
Whether you are buying or selling a home or you are just curious about your home’s market value, I’d be happy to provide my market expertise and intelectual property without obligation, or meet with you to evaluate your home for future reference. I want my customers to have a great time and enjoy the total process of purchasing or selling property. It gives me great pride when my customerspass my name on to their friends and family. I will continue to work hard to make sure critical information is available at www.AggieRealEstate.com and I invite all interested investors to search my site for cash flow opportunities. I will dedicate my time and talents to helping you achieve your goals. It is my goal to make your buying and selling experience extraordinary. Look closely and you’ll see how much I love meeting and working with people. You’ll experience the difference in working with an experienced and dedicated professional.

Personal information:
Michelle goes by ‘Myke’ and is the proud mother of 6 children – 3 girls and 3 boys. Her husband is David Leatham. They met at Brigham Young University. They have been married since 1977. David is a finance professor, and Associate Head over graduate studies in the Agricultural Economics Department at Texas A&M University, and speaks fluent Spanish. They have lived in College Station since 1983 and loved every minute of it. Myke loves to quilt, sing, swim, ‘sing’, bake bread, ‘sing,’ garden, ‘sing’, sell real estate, and ‘sing some more’ :-). Family, church, and real estate consume most of her time. Truth, honor, integrity, kindness, loyalty, gratitude, and service are very important words to her.

Slogan: ‘Let Myke Help You With Your HOMEwork!’

Referrals: The highest compliment I can get is when you pass my name on to others or post a kind remark on the internet. When you send your friends and family my way, I’ll always provide them with the highest quality of service that I know you would appreciate. Thanks in advance for all your support and friendship.

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Brazos County Realty

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