4 Benefits of Auto Insurance

Since everyone is always looking to save every penny, it’s not unsurprising for you to ask why you should spend money on car insurance. With mortgages, college fees, and day to day bills competing for your dollar, you would want to spend your bucks where you are getting value. If you have been viewing investing in car insurance as just another expense, here are the benefits you accrue when you purchase coverage from Robnett Integra Insurance Services of Brownwood, TX.

Liability protection

With over 6 million reported accident cases in America, the likelihood of getting involved in a car accident is high. Unfortunately, when you are legally liable for an accident, you could face property damage and bodily injury claims from other people.

Depending on the accident’s severity, these claims can be costly, putting your assets at stake. The good news is that car insurance can bail you out from such mishaps. 

To protect your assets

Your car isn’t just a mode of transportation. It’s your pride and joy. As such, it makes sense to protect it with auto insurance from perils like accidents, fire, theft, and other risks. By paying now, car insurance saves you expensive losses in the future. 

Medical coverage

When you invest in MedPay or PIP coverage, it can help supplement your health insurance when auto accidents occur. A car insurance policy pays for the medical expenses for you and your passengers.

Peace of mind

Car insurance enables you to enjoy your ride without worrying about the actions of other drivers. While you may do everything within your reach to prevent accidents, this can only stretch as far. Sometimes, you can’t predict the actions of other motorists. As a result, you need auto insurance to enjoy your drive without worrying much about errors from other motorists.

Buy auto insurance in Brownwood, TX!

Would you like to enjoy the above auto insurance benefits? Please connect with Robnett Integra Insurance Services for an affordable auto insurance quote.  

A Guide To Help Southwest Texas Residents Find Flood Insurance

Robnett Integra Insurance Services offer coverage to the Brownwood, TX community. We recognize that each of our clients has unique individual needs. We strive to find custom policies for our clients to protect them in any situation. We believe in being transparent with our clients at all times.

Flood Insurance Guide For Southwest Texas Residents

The Southern part of the United States is prone to severe weather. Hurricanes and tornadoes come through the coast at multiple points during warm seasons. These heavy storms often leave flooded areas in their aftermath. As a Brownwood TX resident, you are likely aware of the dangers that a natural disaster may bring. You can protect your assets through flood insurance. Flood insurance covers you if your property and personal items are damaged due to a flood. Think about the potential losses: water heater damage, electronics, appliances, flooring. Replacing those personal items without coverage could put you in a difficult position. That’s why flood insurance is an asset. It alleviates a lot of stress as you figure out how to repair or replace these items.

Be mindful that flood insurance may be mandatory if you reside in a high-risk flood zone. It’s also important to remember that there are differences between flood damage and regular damage. Generally, flood damage covers a large acre of land. It may stretch through an entire street or neighborhood. If a pipe bursts in your home and damages your property, that is not considered flood damage. Make sure that you read over your policy carefully so that you’ll know the situations when you are and aren’t protected.

Robnett Integra Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information on flood insurance.  

Who should get life insurance in Brownwood?

When you are in the Brownwood, TX area, it would be a good idea to consider your life insurance needs. With a life insurance plan, you can offer some future financial protection to those that are named beneficiaries in your plan. There are several scenarios in which someone here should get one of these insurance plans. 

Those that Want to Protect Their Dependents

A situation when someone should get life insurance will come when they want to protect their dependents. If there are people in your life that need you as a source of income for living expenses, you should make sure that they are cared for if you were to pass away. With a full life insurance plan, you can build a policy that offers protection that could be used for living expenses, higher education costs or any other expenses that you see fit.

Those that are Looking for a Conservative Investment Option

A life insurance plan can also be a good option for people that would like to get a conservative investment tool. A whole life plan includes a provision where some of your monthly premium will go into an interest-bearing account. At some point, later on, you can close this account and use the cash for any purpose. This is a low-risk investment that will grow with interest accumulation as well.

You always need to make sure that you are evaluating your insurance needs in the Brownwood, TX area. If life insurance is right for you and your situation, calling Robnett Integra Insurance Services is a good idea. Those that want to call Robnett Integra Insurance Services can receive great support and guidance. This can help ensure you are able to choose a plan that is right for your situation. 

Who needs auto insurance in Texas?

When you are in the Brownwood, TX area, being able to get around the city and surrounding communities efficiently is very important. One of the best ways that you will be able to do this is by getting a car. Along with buying a car, you need to make sure that you get a proper auto insurance plan. There are several situations when you will need to get a full auto insurance plan when you are here. 

Insurance is Required for Those with Loans

A common situation when having auto insurance is going to be a necessity is when you take out an auto loan. If you have taken out a loan to purchase your vehicle, there is a very good chance that your auto loan provider will have insurance obligations that need to be met. To ensure their collateral is covered, this will usually include requiring an auto insurance plan with collision and comprehensive protection.

Insurance is a State Requirement in Texas

You will also need to get an auto insurance plan to comply with state law in Texas. If you would like to drive a car on a public road when you are in this state, it will be important to comply with all state rules and regulations. This state requires all drivers to carry at least a liability auto insurance plan. 

If you live in the Brownwood, TX area, it would be a good idea for you to speak with the team at Robnett Integra Insurance Services. The insurance professionals at Robnett Integra Insurance Services understand the value that comes with a quality auto insurance plan. They can help you assess your situation to figure out what your auto insurance needs are and then give the support that you need to build and choose a plan that is ideal for your situation. 

Do I need home insurance once my mortgage is paid off

The sad truth is home insurance is not required by any state in the union. The only requirement for home insurance is from a lender when they have a lien on your home for the balance of the mortgage you owe. When you pay off the mortgage it is up to you to decide what you want to do going forward. At Robnett Integra Insurance Services in Brownwood, TX, we understand the importance of having your home protected. As independent insurance agents, we have the tools needed to help our customers find insurance coverage for all their needs. 

The simple answer to do I need home insurance once my mortgage is paid off is yes. If you are very wealthy and could easily afford to pay for any repairs or the complete rebuilding of your home then you probably can survive without home insurance. For most other people, this would be a hardship. But property coverage is just one part of home insurance. 

Think about having to replace all your personal possessions. Would that be something you could do out of your savings? Even just replacing all your furniture and appliances would be a huge expense. 

Another coverage home insurance provides is liability coverage. This pays for legal expenses and action against you in the event someone is injured while visiting your home. You are responsible for medical expenses. If they decide to sue you, it could run into six figures. How would you be able to pay a judgment against you? 

When your mortgage is paid off it is tempting to let your home insurance lapse as well. For most people, this is not a good idea and could leave you vulnerable. 

If you have questions about the value of having home insurance contact Robnett Integra Insurance Services in Brownwood, TX. We will answer your questions and explain the many benefits of home insurance. 

Reasons You Need Boat Insurance

You have purchased a boat or other watercraft and you can’t wait to enjoy it. The best reasons to have boat insurance are the peace of mind, enjoyment, and relaxation on your boat it will bring since you will know it is fully protected by a boat insurance policy. Even though Texas law does not require you to have a boat insurance policy, it is still extremely important for you to obtain one. The boat insurance agents at Robnett Integra Insurance Services in Brownwood, TX understand the importance of having your boat covered.

Types of Boat Insurance Coverages Available

Liability Insurance

When it comes to boat insurance, there are several coverage options available, including liability insurance. A liability insurance policy will help pay the medical expenses and the lost wages of a person who is injured during an accident that is determined to be your fault while riding in your boat or in another boat that is involved in a crash. This also applies to any property damage that occurs in the event of an accident.

Collision Insurance

If you collide with another boat or an object while driving your boat, collision insurance will pay for any damages that you caused as a result of the crash.

Comprehensive Insurance

To fully protect your boat, you will need to have comprehensive boat insurance coverage. If you have a loan for your boat, your lender will more than likely require you to have a comprehensive insurance policy. This type of coverage will protect your investment in your boat if it is damaged or destroyed by a natural disaster, vandalism, or a fire. Comprehensive insurance will also help you to replace your boat if it is stolen.

In Brownwood, TX, the insurance agents at Robnett Integra Insurance Services can assist you will all of your insurance needs. Call for a quote today and get your policy started.

Why should someone get life insurance?

Those that are in the Brownwood, TX area are going to have plenty of specific insurance needs. One type of insurance that all people here should consider getting is life insurance. While this type of insurance does not directly protect your assets or give liability coverage, it still offers very valuable insurance protection. There are many reasons that the average consumer here should consider getting a life insurance policy when they are in this area of Texas.

Insurance Offers Protection to Dependents

The key advantage that comes with having this type of coverage is that can receive protection for your loved ones. If you have people in your life that rely on your income, you will want to ensure they are cared for if you were to pass away unexpectedly. A great way that you can do this is by building a life insurance policy that is curtailed to meet your needs. 

Insurance Can Have Investment Benefits

Another reason to consider getting life insurance is that it can have investment benefits. When you get a whole life insurance policy, a portion of your payment will go into an account that can grow with interest. In the future, you will be able to convert this account into cash. This can make it a good addition to your overall personal investment plan. 

Anyone that is looking for a new life insurance policy in the Brownwood, TX area should call Robnett Integra Insurance Services. When you reach out to the team at Robnett Integra Insurance Services you can learn a lot more about how life insurance can protect you. Based on this evaluation, you will be able to understand the benefits and also choose a policy that gives the right protection and continues to offer you peace of mind. 

What is a home inventory and why you need one

When you buy your home in Brownwood, TX and the surrounding area one of the first things you do is get home insurance. For many folks, it is the first time they have ever had to buy this type of insurance and it is a learning experience. Finding a locally owned independent agency you can trust makes the whole process a lot easier. At Robnett Integra Insurance Services we put the needs of our customers first and we will work tirelessly for you. 

A home inventory is a listing of the contents of your home. Sounds simple, doesn’t it? It is but doing a good one takes some time and effort. You have options, you can choose to do a video of each room. If you prefer a more simple approach you can write everything on a pad but also take pictures.  Both methods work but it is easier to get all the details of what you actually have with pad and pen. 

Whichever method you choose, supply as much backup as possible in the form of sales slips and receipts. Include manufacturers, models, and serial numbers for electronics in particular. When it comes to jewelry, have an appraisal attached.  

Now that you know what a home inventory is why should you have one? If you need to file a claim for the loss of your home contents, the home inventory will be a valuable tool. It is accepted as the record of items to be replaced and will save you a lot of stress at a time when you don’t need more stress. 

If you are looking for choices, Robnett Integra Insurance Services in Brownwood, TX works with top carriers in the business and will help you to find the insurance that fits your home and your wallet. We look forward to sitting down with you in our office or on the phone to discuss your home insurance and give you a no-obligation quote. 

Do I Really Need Comprehensive and Collision Coverage?

Buying auto insurance can sometimes be a little challenging if you aren’t familiar with the process. One common question our customers ask is whether they truly need comprehensive and collision coverage on their policy. Thankfully, our Robnett Integra Insurance Services team has everything you need to know. Keep reading to learn more.

What Are Comprehensive and Collision?

Before we can discuss whether you need them, let’s cover what they are. Collision coverage pays to fix your vehicle if it is in an accident where your car physically collides with something else, like another car or a mailbox. Comprehensive covers things that are out of your control, such as theft, fire, weather, animals, and more.

Comprehensive and Collision Coverage is Not Legally Required

Simply put, not having this option on your policy won’t get you a ticket. Here in Brownwood, TX, it is not a legal requirement to have comprehensive and collision coverage on your auto insurance policy. Comprehensive and collision insurance are considered first-party coverage, which means they pay to fix your vehicle and are optional. The government just wants to ensure you can take care of the other person if you’re involved in a serious accident, which is referred to as liability or third-party insurance coverage.

Have a Loan or Lease? You’ll Likely Need Full Coverage

While it isn’t legally required, there is a good chance your lender requires you to carry comprehensive and collision on your auto insurance policy. Failure to do so often leads to your lender forcing coverage on your behalf and adding the premium to your monthly payment, which can be incredibly expensive. Instead, it is better to seek out this coverage on your own. By working with a local agent, you can ensure you’re getting the best deal possible.

Ready to learn more about adding comprehensive and collision coverage to your Brownwood, TX auto insurance policy? Please contact our Robnett Integra Insurance Services team today for further details.

What Is Umbrella Insurance?

You may have heard the term "umbrella insurance" floating around from time to time, or maybe you have no idea what this term means. Umbrella insurance is essentially a way for you to get even more coverage on your policies. Learn the in’s and out’s of umbrella insurance with the experts from Robnett Integra Insurance Services to see how you can get covered in more ways than one!

What Does Umbrella Insurance Cover? 

First thing’s first, what is umbrella insurance? Umbrella insurance is a type of insurance coverage that provides you financial protection in areas where your other insurance policies may not provide protection. For example, maybe your home insurance, while providing protection, doesn’t offer coverage in certain areas. Umbrella insurance is designed to fill in the gaps your other policies leave open. Here are some areas in which umbrella insurance may provide coverage: 

  • Slander or libel
  • Mental trauma
  • Liability auto accident on the Brownwood, TX roads
  • Property damage
  • Injury

These are just some of the areas in which you can receive coverage from umbrella insurance. The specific amount and type of coverage you will receive will depend on the umbrella insurance policy you choose. To find out which policy is best for you, visit Robnett Integra Insurance Services for a consultation. 

Why Is Umbrella Insurance Important? 

Even if you have existing insurance policies like auto and home insurance, there may be gaps left in those policies that you are unaware of. Maybe your auto insurance will only pay a certain amount of financial coverage in the case of an accident. Think of it like this: would you rather have coverage that you never end up using or find yourself needing to be covered but armed with no financial protection?

Get Covered with Robnett Integra Insurance Services

To help you get the right amount of coverage and fill in those gaps, visit Robnett Integra Insurance Services. Our office serves the Brownwood, TX area.