How will my home insurance policy help me?

One of the best long-term financial decisions that someone can make is to buy a home. If you are looking to buy a home in the Brownwood, TX area, it is important that you take the decision very seriously. One decision that you will have to make that goes along with buying a home is deciding whether or not you should get home insurance. Having home insurance is always a good idea as it can help you a number of different ways. 

Give Your Liability Protection

One benefit that comes with your home insurance policy is liability protection. Many property owners do not properly consider the liability that they are taking on whenever they have someone come to their property. If you have a guest or contractor over and they are hurt, you could be found liable for their injuries. Your home insurance policy will help to protect you against this financial risk. 

Protects Your Asset

Your home is the biggest and most expensive asset you will likely ever own. Because of this, you will want to make sure that you have home insurance in place to protect it. When you have home insurance in place, you will receive coverage if your home is damaged by a storm, fire, vandalism, or a variety of other casualties. 

Having a quality home insurance policy in place is very important for anyone in the Brownwood, TX area. Once you are ready to start shopping for home insurance in the area, you should contact Robnett Integra Insurance Services. The team at Robnett Integra Insurance Services can help you to learn more about the benefits of having home insurance. They can then help you to get into a great policy that provides you with the right type and level of coverage. 

Life Insurance Benefits Singles, Too

If you’re single and have no children, you may feel life insurance isn’t for you as no one is depending on you for financial support. A life policy from Robnett Integra Insurance Services in Brownwood, TX can come in handy for other reasons. Here are a few ways life insurance can benefit you as a single.

Pay for Funeral Costs

If you died unexpectedly, would your loved ones have to bear the burden of funeral costs? Most young singles don’t plan for their funeral in advance. If you take out a life policy, however, death benefits can cover these costs, freeing your loved ones from this responsibility.

Pay for Outstanding Debts

Federal student loans may be forgiven upon your demise, but private loans are not. If a family member co-signed on these loans, they would be responsible for paying them back after you’re gone. Any debts that you accrued with someone else – car loan, mortgage, etc. – would fall on your partner’s shoulders if you were to suddenly pass on. Benefits from a life insurance policy can be used to pay your outstanding debts so your family or friends don’t have to.

Security for Future Family

You may be single now, but what about the future? If you plan to marry and start a family one day, it’s to your advantage to get a life insurance policy when you’re younger as the cost is lower. The cost of life insurance increases as you grow older.

Support for Significant Other

If you’re single but living with a significant other, life insurance can help provide financial support for him or her if you were to suddenly pass on. Your significant other will appreciate your thoughtfulness in providing this financial support.

To learn more about life insurance options and costs, contact Robnett Integra Insurance Services, Brownwood, TX.

Is it time to add your teenager to your Texas auto insurance policy?

Getting a driver’s license is a rite of passage that makes many teens grown up while their parents reach for the antacid. If you have a teenager in your Brownwood, TX area house that is nearing driving age, you may be considering your options for car insurance. Adding your teenaged child to your auto insurance policy is not always as simple as adding their name. You may want to increase certain coverages and policy features. The team at Robnett Integra Insurance Services understands the complexities that can come with covering younger and less experienced drivers on your auto policy.

Are you ready to add your teenager to your auto insurance policy? 

In addition to increasing your coverage amounts when you add your teenager to an auto insurance policy, you may want to add additional benefits. One popular add-on for families with new drivers is roadside assistance. This benefit gives your family the added peace of mind that comes with knowing your child will not be stranded alone in the event of a breakdown or other issue that causes them to need assistance. When you are considering the appropriate policy for all of your drivers, it’s not just collision and damage coverage that you should consider. There are many auto insurance policies that provide services in addition to coverage, and these services may now be of more use to your family once you have a teenage driver.

Ready to learn more about your options for adding a teenage driver to your auto policy, give the team at Robnett Integra Insurance Services a call to set an appointment. If you are in the greater Brownwood, TX area, we would welcome the opportunity to work with you and your family.

What happens if your home insurance lapses?

You meant to send in the premium but were sidetracked by other things. Now, your home insurance has lapsed and you are wondering what will happen? Is there a grace period beyond the grace period? Can you get your policy back? The agents at Robnett Integra Insurance Services can help when you need to regain financial stability in terms of a home insurance plan in Brownwood, TX.

What does it mean to have a policy lapse?

Home insurance works like any other plan. You have to pay a premium to keep the policy instated and run the risk of losing coverage when you pay late. Insurance companies do not ordinarily drop you if your premium payment is a day or two late. In fact, most state law bars insurance providers from discontinuing service without offering a grace period and a written notice of plans to terminate a policy.

Grace periods range from 10 days to 45 days. Insurance companies are mandated to cover claims during this time even if you do not pay the outstanding balance later. Your insurance policy lapses if you fail to make your premium payment after the grace period ends. You are, technically, without home insurance during this time and, thus, solely responsible for any major damages to your home thereafter.

How can you get out of the lapse stage and back to being insured?

The easiest way to have a home insurance policy after your previous plan lapses is to reinstate your delinquent plan. This option, however, may come with extra expenses that penalize you for failing to keep up with the plan. Such is the reason why some homeowners choose to purchase a new plan when their old one falls into trouble.

The agents at Robnett Integra Insurance Services can help you find the home insurance policy that best fits your lifestyle in Brownwood, TX. Call us today for a quote!