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Call Us Today!
(806) 274-6697
Call Us Today!
(806) 274-6697

Products & Services

Home and Renter

We want to insure your home with coverage that’s right for you. You shouldn’t have to worry about whether you have enough insurance, whom to call, or if help will be there soon. With Germania Insurance, you can have that security.
Home Insurance
Protect your home and personal belongings.
We’re committed to protecting your rural or suburban home. Instead of the one-size-fits-all policy that some other carriers have, Germania Insurance offers the flexibility to customize a policy to fit the individual needs of our members.
We can write this unique policy to cover your traditional, tiny, barndominium or manufactured home. Additionally, we offer protection for your valuables and other personal property inside your home.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
 
Home Inventory Checklist – Use this handy booklet to travel room by room through your home to inventory personal property, serial numbers, purchase dates, replacement cost and cash value.
Renters
Protect your belongings from damage or theft.
Your landlord’s insurance won’t protect your personal belongings from damage or theft. Germania Insurance is committed to protecting renters with a policy that includes additional living expense coverage in the event your rented residence is made uninhabitable due to a covered loss.
Renters should also consider the additional protection of a liability policy to protect themselves against the accidental damage of a fellow renter’s personal property.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
Tenant-Occupied
Protect your residential rental property.
Germania Insurance offers protection for your residential rental property from damages and provides lost income if your rental property becomes temporarily unlivable due to the covered damages.
Coverage is available for the following rental units:
  • Single family
  • Duplex
  • Triplex
  • Quadplex
Rural Home
Policies designed for rural property owners.
Germania Insurance was founded by small farmers and ranchers and still specializes in insuring rural properties and family farms. We offer a policy specifically designed to meet the needs of rural property owners. Our unique policy can be written to cover your outbuildings and farm equipment, too.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
Condo and Townhouse
Protect your condo and townhouse.
These structures are legally different and therefore, the policies for them vary. We offer condo owners protection of the interiors of their unit from covered losses such as fire, smoke, and theft. We offer protection from covered losses for the townhouse owner, who owns the exterior and interior of his unit as well as the patio, balconies and any outdoor areas he owns.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
Ranchette
A unique policy to protect your ranchette.
Germania Insurance specializes in insuring ranchettes and our unique, flexible policy gives everything on your ranchette, including livestock, equipment and your home, the protection you need.
Ranchettes are rural properties of 2 to 40 acres with a house and outbuildings, machinery and livestock devoted to part-time or hobby farming.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
Barndominiums
You weren't born in a barn but you can live in one.
Germania Insurance has unique coverage for the barndominiums that Texans love. Germania Insurance's barndominium insurance brings together the old and the new with available coverage for your barndominium, farm animals and farm machinery on multi-acre lots.
The term “barndominium,” is a combination of “barn” and “condominium.”  A barndominium is a metal, dual purpose building with roll-up doors that can hold large farm equipment, boats or recreational equipment as well as everything you need to call it home.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
Flood
Germania Insurance Offers Flood Insurance
Flooding is the most common natural disaster, but most property insurance companies don’t cover damage to your home or business caused by floods. Germania Insurance offers flood insurance, but don’t wait until the last minute! There’s a 30-day waiting period for flood insurance.
Why do you need flood insurance?
Just a few inches of water can cause tens of thousands of dollars in damages. Flood insurance may be mandatory in high-risk areas, but even if you don’t live in a designated floodplain, your property is at risk for flood damage.
A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and, unlike a federal disaster loan, money from a flood claim does not have to be repaid.
As long as your community participates in the National Flood Insurance Program, you can buy flood insurance. It doesn’t matter if you live in a high- or low-risk area. You can also get flood insurance if your house has been flooded before, even if your mortgage doesn’t require it.
If your property is located outside of the high-risk Special Flood Hazard Area, it could qualify for the lower-cost Preferred Risk Policy, which provides flood insurance at the best price.
If you have any flood questions, please email:  flood@germaniainsurance.com or select the “Get a Quote”.

Commercial

We want to insure your business with coverage that fits. With Germania Insurance, you can have a policy that is right for you.
Business Auto
Protection for single vehicles to entire fleets.
Each business is different and we can customize a Business Auto Policy that fits your specific business needs, whether you have a large fleet or just one vehicle.
You need a Business Auto Policy if your business:
Owns, rents or leases vehicles.
Has employees who drive their own vehicles to conduct your business.
Has employees who drive the vehicles you own, rent or lease.
Commercial Liability
Protect your business assets.
General Liability Coverage is critical to protecting your business assets.
From slips and falls to damage to a customer’s property, a liability policy will protect you from an incident that could result in a lawsuit.
Business Owner
Policies customized for your business needs.
A Business Owners Policy bundles the coverages in one package. The policy is customized depending on the business risk.
The Business Owners Policy may include:
General Liability, which covers your company’s legal responsibility for the harm to others such as slips and falls or damage to others property.
Property insurance for buildings and contents owned by the company.
Business interruption, which covers the loss of income resulting from a fire or other catastrophic event that disrupts the daily operation of the business. It can also include extra expense for operating from a temporary location.
Workers’ Compensation
Protect your employees and your business.
Workers’ Compensation protects your employees and your business.
Employees are one of a business’s most important assets and making sure employees are safe at work is key to success. Should an employee suffer a work-related injury or illness then Workers’ Compensation will cover medical treatment and lost wages. Workers’ Compensation can also protect your business from being sued by an employee.
Management and Professional
Policies dedicated to your organization.
Management and Professional Liability Insurance are policies dedicated for different types of organizations, such as non-profit, private and public companies, healthcare organizations, homeowners associations and managed care and financial institutions.
Coverages are available to protect the unique exposures of these industries.
The following are a few of the policy types:
  • Directors and Officers Liability
  • Employment Practices Liability
  • ERISA Fidelity Insurance
  • Errors and Omissions
  • Fidelity and Crime Insurance
  • Fiduciary Liability
  • Bonds
  • Kidnap and Ransom Insurance
  • Non-Profit Directors and Officers Liability
Property
Policies customized to fit your needs.
The Commercial Property Policy can be customized to fit your special needs.
Commercial Property Insurance is designed to cover your building, outdoor signage, furniture, equipment, inventory, fences, landscaping, and tools.
Data Breach
Protect your data.
If you maintain records of your customers’ personal information, you are at risk of data breach.
In the case of a data breach not only are your customers affected but also your reputation is at risk. Data Breach/Cyber Liability Insurance helps to cover the legal cost, public relations cost and cost of notifications.
Home-Based Business
Protect the assets that home insurance can't.
If you run a business out of your home, you may need commercial insurance to protect you from the things your home insurance policy does not cover.
Why do you need a commercial policy?
  • If customers or clients come into your home.
  • If you have inventory and supplies in your home or at other job sites or other locations.
  • If you have employees.
  • If you maintain client records.
  • If you lose income due to damage to your home.
Flood
Germania Insurance Offers Flood Insurance
Flooding is the most common natural disaster, but most property insurance companies don’t cover damage to your home or business caused by floods. Germania Insurance offers flood insurance, but don’t wait until the last minute! There’s a 30-day waiting period for flood insurance.
Why do you need flood insurance?
Just a few inches of water can cause tens of thousands of dollars in damages. Flood insurance may be mandatory in high-risk areas, but even if you don’t live in a designated floodplain, your property is at risk for flood damage.
A flood insurance policy compensates homeowners, renters, and business owners for all covered losses, and, unlike a federal disaster loan, money from a flood claim does not have to be repaid.
As long as your community participates in the National Flood Insurance Program, you can buy flood insurance. It doesn’t matter if you live in a high- or low-risk area. You can also get flood insurance if your house has been flooded before, even if your mortgage doesn’t require it.
If your property is located outside of the high-risk Special Flood Hazard Area, it could qualify for the lower-cost Preferred Risk Policy, which provides flood insurance at the best price.
If you have any flood questions, please email:  flood@germaniainsurance.com or select the “Get a Quote” button below:

Specialty

We want to insure your farm and ranch with coverage that’s right for you. You shouldn’t have to worry about whether you have enough insurance, whom to call or if help will be there soon. With Germania Insurance, you can have that security.
Farm Equipment
Protect all of your farm equipment.
Germania Insurance offers coverage for your tractors, combines, irrigation equipment, sprayers and other farm and ranch equipment.
Rural Property
We specialize in insuring your rural properties.
Germania Insurance was founded by small farmers and ranchers and still specializes in insuring rural properties and family farms.
We offer a policy specifically designed to meet the needs of rural property owners. Our unique policy can be written to cover your outbuildings and farm equipment, too.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%
Farm Liability
Protect your farm and ranch.
If you own or lease agricultural property used for farming, ranching or recreation, a Germania Insurance Farm Liability Policy will protect your assets from claims, bodily injury, and property damage to others.
It will also pay attorney’s fees and other legal expenses incurred in your defense.
Ranchette
A unique policy to protect your ranchette.
Germania Insurance specializes in insuring ranchettes and our unique, flexible policy gives everything on your ranchette, including livestock, equipment and your home, the protection you need.
Ranchettes are rural properties of 2 to 40 acres with a house and outbuildings, machinery and livestock devoted to part-time or hobby farming.
Depending on the property you wish to cover, you may be eligible for one or more of Germania Insurance's premium-reducing discounts:
  • Companion Policy Discount — 15%
  • Claims Free — Up to 10%
  • Alarms Credits — 5%

Liability

Germania Insurance offers Liability Insurance that will cover you in the case of damages for which you are legally liable. Find an agent near you.
Umbrella
Add an extra layer of protection.
If you are sued over an accident that causes injury to another beyond the limits of your liability coverage, you will be financially obligated for that loss.
Umbrella insurance is an extra layer of liability insurance protection that supplements your personal or farm liability insurance.
Farm Liability
Protect your farm and ranch.
If you own or lease agricultural property used for farming, ranching or recreation, a Germania Insurance Farm Liability Policy will protect your assets from claims, bodily injury, and property damage to others.
It will also pay attorney’s fees and other legal expenses incurred in your defense.
Personal Liability.
Protect your home, belongings and loved ones.
Anyone who has personal assets — a home, a vehicle, a savings account, a business — needs liability insurance. So do people who have kids, pets, boats or other watercraft or rental properties.
Conditions that exist at your residence and your actions on and off your premises can lead to injury or damages for which you could be held legally responsible. A liability insurance policy will pay attorney fees, investigative costs and other legal expenses required to defend you in the event you are sued. In addition, the policy will pay the damage award, up to the policy limits, if you are found legally liable.

Auto

We are here to help you determine the proper coverage limits that you need to protect your vehicle and provide you that coverage for reasonable rates.
Personal Auto
Protect your assets.
Germania Insurance is here to help you determine the proper coverage limits you need to protect your vehicle. In addition, Germania Insurance’s Premier Service offers convenient auto repair service with results we guarantee.
Germania Insurance provides the following special discounts that can reduce the cost of your auto insurance:
  • Academic Achievement Discount
  • Multi-Car
  • Defensive Driving
  • Driver Training
  • Passive Restraint
  • Anti-Theft
  • Companion Auto Policy
  • Mature Drivers
  • Roadside Assistance Coverage
Germania Insurance offers Roadside Assistance Coverage through a partnership with Nation Safe. By offering this coverage, we can help keep you safe mile after mile, 24 hours a day, and seven days a week.
Membership Benefits include:
  • 24-hour Emergency Towing Service
  • 24-hour Emergency Road Service
  • 24-hour Emergency Delivery
  • 24-hour Emergency Battery Service
  • Lockout Service
  • Map Routing Service
  • Theft and Hit-and-Run Protection
  • Travel and Automotive Discounts
  • If you have Roadside Assistance Coverage on your Germania Insurance Auto Policy and need to contact Nation Safe, please call 1-855-548-3455.
If you would like to add Roadside Assistance Coverage to your auto policy, please contact your local Germania Insurance agent.
Recreational Vehicle
Protect your recreational vehicles.
Germania Insurance offers coverage for your motorhome, travel trailer or horse trailer with living quarters when added to a Germania Insurance Personal Auto Policy.

Life

Since our beginning in 1983, Germania Insurance has focused on providing competitively priced life insurance products to our customers. Germania Life wants to be a part of helping you plan for your family’s future financial security and make your financial goals possible. Germania Life can do that by offering a wide range of insurance products that can be tailored specifically to your family’s needs. Find an agent near you.
Term Life
Protect your loved ones from financial burden.
Term Life policies provide greater coverage for a smaller premium and they insure you for a specific time. Term policies are great for debt or mortgage protection. The stress of financial burdens can be eased with a term product.
5-Year Renewable and Convertible Term
  • Five-Year initial insurance period, the policy is renewable and/or convertible.
  • Guaranteed level death benefit.
  • Guaranteed renewable every five years to age 65.
  • Guaranteed convertible to Whole Life until age 60.
  • Simplified underwriting application.
  • Usually, NO paramedical exam required.
10-Year, 20-Year, 30-Year Level Term
  • Guaranteed level death benefit.
  • Guaranteed renewable – No evidence of insurability required.
  • Guaranteed Convertible – No evidence of insurability required.
  • All Term Products are indeterminate-current rate guaranteed for One Year.
Whole Life 
Intro - Insure your whole life.
Whole life insures you for your whole life and pays a cash benefit to your designated beneficiaries.
Most of our whole life plans are available from birth to a maximum age of 85. One advantage of whole life coverage is that it gains cash value that accumulates on an annual basis. This cash value is available to the policyholder for a loan on the policy or if the policy is surrendered. Policy loans are currently available at 10% interest.
Participating Whole Life
Cash value growth.
Guaranteed level annual premium to age 121.
Death benefits generally pass on income tax-free to your beneficiaries.
Eligible to earn dividends; however, dividends are not guaranteed.
10-Pay and 20-Pay Whole Life
Cash value growth.
Guaranteed level annual premium to age 121.
Death benefits generally pass on income tax-free to your beneficiaries.
Eligible to earn dividends; however, dividends are not guaranteed.
Economy Whole Life
Limited payment period.
Paid-up cash value.
Death benefits generally pass on income tax-free to your beneficiaries.
Indeterminate Premium – Current Rate Guaranteed for One Year
Guaranteed level annual premium to age 121.
Death benefits generally pass on income tax-free to your beneficiaries.
Guaranteed level death benefit to Age 121.
Paid-up cash value.
Prime Life
Provides final expenses for ages 50+.
$3,000 to $25,000 face amount.
Simplified underwriting.
Usually, NO paramedical exam required.

Juvenile 10-Pay Life
10-Year Limited payment period.
Paid-up cash value.
$25,000 face amount.
Guaranteed insurability built in.
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Call Us Today At ♦ (806) 274-6697

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Address

Town and Country Insurance
1000 S Cedar St
Borger, TX 79007
Phone: (806) 274-6697
Email: 
Townandcountry3@yahoo.com

Business Hours

Mon - Fri: 08:00 AM - 05:30 PM
Sat - Sun: Closed
Appointments Available

In Business Since 1982

Payment Options