Ensure Your Home Isn’t Underinsured - Adjust Your Coverage for Rising Costs and Life Changes!
Bryan, United States - June 11, 2025 / Marketing Heroes /
As inflation continues to push up rebuilding costs, material prices, and living expenses, Service Insurance Group—a locally trusted independent insurance agency—is urging homeowners throughout Texas to take proactive steps to ensure their homeowners insurance policy remains current and comprehensive.
In a recently published blog titled “Don’t Let Inflation or Life Changes Leave Your Home Underinsured,” the agency outlines why regular policy reviews are critical to protecting homes and families from unexpected financial shortfalls.
Insurance Agency Warns of Growing Coverage Gaps in Texas
Homeowners across Texas are facing rising replacement costs, labor shortages, and inflation-driven hikes in material prices. These shifts can leave outdated insurance policies lagging far behind the actual cost to rebuild or repair a home. Service Insurance Group stresses that a homeowners insurance policy should not remain stagnant, especially during times of rapid economic change.
Unlike captive agents, the independent advisors at Service Insurance Group represent multiple highly rated carriers. This allows the agency to customize policies for each client’s current circumstances and evolving property needs—without compromising on competitive pricing.
Inflation’s Impact on the Structure and Limits of Coverage
Service Insurance Group has identified three primary areas where inflation erodes home insurance coverage:
Dwelling Coverage: The cost to rebuild or repair has increased significantly in the past three years.
Personal Property Protection: Furniture, appliances, and electronics are now more expensive to replace.
Loss of Use Coverage: Temporary housing costs may exceed limits originally set under outdated policy terms.
A homeowners insurance policy that was sufficient just a few years ago may now cover only a portion of actual recovery expenses if left unchanged.
Importance of an Annual Insurance Policy Review
An annual review ensures that policyholders remain protected as life and local conditions evolve. Service Insurance Group advises homeowners to seek a review if any of the following have occurred:
Remodeling projects or home additions
Installation of luxury items such as pools, spas, or solar panels
Rising market values or local rebuilding costs
Major purchases increasing the value of personal belongings
Changes in household structure, including new residents
“There are many homeowners across Texas who believe their policy is still adequate because no claim has been filed,” said Bradley Hurt, owner of Service Insurance Group. “But inflation doesn’t wait. If someone added a new kitchen, upgraded appliances, or simply hasn't reviewed their policy in a while, there may be a significant gap in coverage. That’s why working with a local independent agency makes a difference—we can quickly assess risks and make sure coverage keeps up with reality.”
Actionable Steps to Strengthen a Homeowners Insurance Policy
To help homeowners stay ahead of inflation and other changes, Service Insurance Group recommends the following:
Schedule an annual review with a local independent agent
Request a current home replacement cost estimate
Update personal property inventories for accurate valuations
Consider policy endorsements such as inflation guard or extended replacement cost
Reassess temporary housing and liability limits to match actual living standards
These steps, when guided by an experienced insurance agency, can help ensure coverage remains complete, effective, and affordable.
Service Insurance Group’s Ongoing Commitment to Texas Families
Service Insurance Group continues to serve Texas homeowners by offering tailored insurance solutions backed by deep local expertise and access to a broad network of providers. Whether the need is for personal or commercial coverage, the agency prioritizes clear communication, long-term planning, and customer-first service.
The newly published article is part of the agency’s broader educational initiative to empower homeowners with knowledge and resources that can help prevent costly oversights.
About Service Insurance Group
Service Insurance Group is an independent insurance agency headquartered in Bryan–College Station, Texas. The agency offers customized personal and commercial insurance products, including homeowners insurance policies, auto coverage, liability protection, business insurance, and more. Known for personalized service, competitive rates, and an unwavering commitment to protecting what matters most, Service Insurance Group serves individuals, families, and businesses across Texas with honesty and expertise.
If looking for any type of personal or business insurance, the Agents at Service Insurance Group shop for the right personal or business insurance policy to fit individual needs – call them at (979) 300-7345 to get a quote!
Contact Information:
Service Insurance Group
3840 Corporate Center Dr
Bryan, TX 77802
United States
Brad Hurt
(979) 774-3900
https://www.sigbcs.com/
