Threats of Not Having Home Insurance

The state of Texas does not require homeowners to carry home insurance. However, most homeowners understand how important this type of insurance is. The purpose of home insurance is to protect you as the owner of your home and your property from different unexpected events. If you still decide to skip it, Robnett Integra Insurance Services serving  clients from Brownwood, TX, and other surrounding areas prepared a list of threats you may face: 

Threats of Not Carrying Home Insurance

Owning a home without proper home insurance is quite risky, and here is why:

  • Your property and personal belongings have no protection. Your home insurance does not only cover the structure of your home – it also provides coverage for your personal belongings. If they are stolen, broken, or damaged, and there is no home insurance, then you will have to cover their loss yourself. 
  • You will not have any liability protection. If a guest or visitor gets injured on the territory of your property, you will be responsible for their medical treatment. You will have to pay all medical bills plus any legal fees associated with the injury. 
  • You may not be approved for a mortgage. Many home lenders do not approve people for a mortgage if they do not have home insurance, For this reason, if you decided to purchase a home, one of the first things you need to consider is home insurance  

Robnett Integra Insurance Services in Brownwood, TX – Protection Of You And Your Home Is Our priority

Having home insurance is an additional type of expense that many people prefer not to have. Since it is not obligatory in Texas, there are many homeowners who decide to skip. However, it is important not to forget that having a property without home insurance is quite risky. Therefore, having home insurance is one of the best things you can do for yourself and your home. If you have any questions about it, feel free to contact Robnett Integra Insurance Services working with clients from Brownwood, TX  and other nearby areas.