How Does Umbrella Insurance Work?

Having enough insurance coverage for all of your assets is important. It’s vital to have liability coverage for them, so you aren’t stuck footing someone else’s enormous medical bills. You might believe you have enough liability coverage if you already have home and auto insurance. However, that might not be the case. Many insurance policies of these types come with very little liability coverage, which can leave you vulnerable. You can get rid of that vulnerability with umbrella insurance. Call us at Robnett Integra Insurance Services in Brownwood, TX if you want to be better covered.

Home, Auto, and Umbrella Insurance

If you currently carry a home and auto policies, you still may not have enough liability coverage to pay for a severe accident. To correct this, you can get an umbrella policy to give you more liability coverage. It adds liability protection to both insurance policies, giving you much more coverage. Umbrella insurance is low cost and comes with very high maximums. It’s always better to be well-protected than to come up short later after an accident. 

Using Umbrella Insurance

Your umbrella insurance comes in after your home or auto insurance has paid what it can toward an accident. Medical bills can be surprisingly high, and your home or auto coverage may leave some leftover once the policy’s maximum is reached. That’s why umbrella insurance is so handy- it pays what is left over after that first policy has maxed out. This leaves you well-protected against your liability. 

Get Better Protection

Umbrella insurance is often the best answer to get more liability protection for a reasonable price. Call us today at Robnett Integra Insurance Services in Brownwood, TX to get your own umbrella policy.

Reasons your life insurance may be canceled

Life insurance gives security to your loved ones if you are no longer there to provide for them. That makes it very important. Keeping it from getting canceled is vital to their financial security. At Robnett Integra Insurance Services in Brownwood, TX, we offer many affordable life insurance options that can provide the necessary safety net. 

The most common reason your life insurance may be canceled is the non-payment of the premium. Most life insurance policies offer a variety of payment options. You can pay yearly, monthly, or quarterly. If you have chosen annually and find that you can’t make that payment, you should be able to call your agent and request that you change to a monthly option. If you don’t have an agent, your insurance company website should allow you to make the change, or you can give them a call. 

Most insurance companies have options to help you to keep your policy. They don’t want to lose you as a customer, so don’t be afraid to call to negotiate with them.

Another reason your life insurance may be canceled is that the carrier discovers that you lied on your application. Not answering questions truthfully is a big issue. You may think that lying about a medical condition or whether or not you smoke is not a big deal, but it is, and it could cost you your policy. 

The good news is that your life insurance policy can’t be canceled because you get older or get sick. Even if you start to smoke late in life, you are safe. Buying other insurance won’t hurt you a bit.  

Contact Robnett Integra Insurance Services in Brownwood, TX to talk about your life insurance and what you need to ensure your family is provided for if you aren’t there. 

Four Situations When You May Need to Get Extra Home Insurance Coverage

No one ever plans on needing home insurance coverage, but sometimes life throws you a curveball and forces you to make a claim. That’s why it’s essential to know when you might need extra protection – just in case. Here are four situations when getting additional home insurance might be a good idea.

1. When You Renovate Your Home

Once you start making changes to your home, your insurance policy might not cover the total value of your property anymore. This is because most policies limit how much they will pay out for rebuilding costs. If you’re planning on doing any major renovations, getting extra coverage is a good idea to ensure you’re fully protected.

2. After Any Major Purchase

If you buy a new piece of furniture, appliance, or electronic worth more than a few hundred dollars, you should add it to your insurance policy. Most policies limit how much they will pay for personal belongings, so it’s essential to keep track of what you own and ensure it’s all adequately covered.

3. If You Experience a Major Life Change

Your insurance needs will change if you get married, have a baby, or move to a new home. Make sure you review your policy and make any necessary changes to remain adequately protected.

4. If You Discover You Are Under-insured

If you ever have to make a claim and find out that you’re under-insured, you’ll be responsible for paying the difference between what your policy covers and the actual cost of repairs. To avoid this, it’s a good idea to periodically review your coverage and ensure you have enough insurance to protect your home.

If you’re unsure whether you need extra home insurance coverage, it’s always a good idea to speak with your agent or insurer. They can help you assess your needs and ensure you have the proper protection. For those in Brownwood, TX, Robnett Integra Insurance Services can help you find the right coverage for your home. Give us a call today to get started.

How Do I Know If I Have The Right Amount of Auto Insurance?

If you are financing a car, signing up for a lease, or taking out a loan to purchase a vehicle, you will likely be required to provide proof of insurance before you drive the car away. Some car rental companies offer liability only, which may not be enough coverage for you and your family. Call Robnett Integra Insurance Services in Brownwood, TX for guidance. 

What You Should Know 

If you own a car, you should check the amount of your insurance to make sure it is the right amount. Most insurers require a minimum amount of liability coverage, but you may have more than you need. The best way to determine the amount of insurance coverage you need is to calculate how much it would cost to cover the cost of a new car if the car were destroyed in a collision or stolen. 

You can do this by taking your car’s current value and multiplying it by the length of time it would take you to save up enough money for a new car. If your vehicle is worth $15,000 and it would take five years to save for a new car, the coverage amount would be $75,000. 

It’s essential to have enough auto insurance to protect you in case of an accident, but not so much that it puts a strain on your budget. The recommended amount of insurance varies depending on your situation. If you have a new car, you will likely have a higher deductible than if you have an older car. 

The best way to figure out how much insurance you need is to look at your current policy and make a list of everything that it doesn’t cover. Now go through that list and find out what the required minimum coverage is, and if you’re not covered, how much it would cost to buy the additional coverage.

Bottomline 

Find different quotes that fit your desired level of coverage. Once you have these quotes, you can use an online calculator to find out how much coverage you need. Most of these calculators will ask you a few simple questions, then give you a recommended amount of coverage. Most importantly, ensure the right amount of insurance covers you. For specialist help in Brownwood, TX, call Robnett Integra Insurance Services.

How to Determine if a Property Lies within a Flood Zone

When house hunting in Brownwood, TX, you’ll find it helpful to know if a property lies within a flood zone. If it does, the home will cost you more each month because you’ll need to purchase flood insurance for it to comply with federal law.

Robnett Integra Insurance Services can help you comply with the law. We also want to help you understand how to tell if a home you’re considering purchasing will require this extra policy.

Check the Realtor’s Website

The listing agent or real estate agent handling the home for its owners should list any unusual or unique features of the house, both good and bad, in its description. Typically, the only time you’ll see a mention of a flood zone means it requires insurance. That’s part of what falls under legal disclosure requirements when selling a property.

Check the FEMA Website

The Federal Emergency Management Agency (FEMA) maps the US for flood zones. It conducts studies of each locality to determine flood risk at the home level. That massive undertaking began in the 1970s and continues today. The Agency makes these maps available on its website.

Choose to view your potential homes in the FEMA viewer or National Flood Hazard Layer (NFHL). You can choose either from the main page we link to above. These satellite views of the local areas can also help you see the neighborhood and its layout. If you zoom in, it provides a fine enough view to determine which homes have solar panels on the roof, which ones have a swimming pool, and what types of vehicles were parked in the driveway when the satellite took its photo.

The maps tell you where the flood zone lies and which zone the address falls within. If FEMA zoned the neighborhood A or D or something else, it will appear on this map. If the property falls within a zone marked A, AE, AR, A1-A30, A99, AH, AO, V, VE, or V1-V30, it requires flood insurance.

Contact Us

Contact Robnett Integra Insurance Services to protect your Brownwood, TX with flood insurance. Let us help you protect your financial security.

Life insurance FAQs

Having questions about life insurance is not something unusual. Most people are not experts on the subject. That’s why having an expert on your side in the form of your local independent insurance agent is so important. In Brownwood, TX, that is Robnett Integra Insurance Services. We are dedicated to providing the highest possible level of service and getting to know the needs of our customers. This allows us to customize your insurance. 

Do I need life insurance if I am young and single?

If you have no dependents and no significant debt, and have enough money to pay for your final expenses, then no, you don’t. But, the prices will never be better, so it is an excellent time to acquire your first insurance policy as a plan for your future. 

Can I borrow money from my life insurance policy?

A whole life insurance policy earns dividends and is not just about the death benefit. Yes, you will be able to borrow from a whole life policy, but keep in mind this needs to be repaid, or it will affect your death benefit. 

How do I file for the death benefit?

Filing for the death benefit is a relatively painless experience in most cases. Have the necessary information at hand when you contact the insurance company. You can contact them on the phone or the internet. Have the policy number available, and know the deceased’s social security number and birthday. Have the death certificate at hand to answer any questions. 

You will need to send the insurance company a completed form requesting the death benefit and a copy of the death certificate. Using registered mail is always a good idea. 

Contact Robnett Integra Insurance Services in Brownwood, TX to answer any questions you may have about life insurance coverage. 

Teen Drivers and Your Auto Insurance

If you are getting ready to add teen drivers to your auto insurance policy, you should keep a few things in mind. At Robnett Integra Insurance Services, serving Brownwood, TX, and surrounding areas, we can help you navigate these changes. Keep reading to learn more. 

When To Add Teen Drivers

It is crucial to understand when you should add your teen drivers. This will vary from state to state. To be safe, you should add a teen driver when they first get their learner’s permit. This will ensure that your vehicle is fully covered if something happens while your child is learning to drive. 

Drivers’ Education Counts

It is vitally important to remember that your teen will need all of the driving instructions they can get. Putting your child through an approved driver’s ed program is a great way to make sure they are ready to handle driving independently when the time is right. In some cases, completing a driver’s ed program can also help you find good deals on car insurance. 

Zero Tolerance Policy for Phone Use

You will need to enforce a zero-tolerance policy for phone use while driving. Using a phone while driving is a huge contributing factor to teen car accidents and fatalities. Set ground rules early and enforce them vigorously. It is also vital that you lead by example when it comes to phone use in the car. If your teen sees you using your phone while driving, they will not take your rules seriously. This could result in your child being in an accident. 

If you would like to learn more about our insurance services and products, don’t hesitate to contact us at Robnett Integra Insurance Services, serving Brownwood, TX, and the surrounding areas. 

How Do Pets Affect My Home Insurance?

Owning a pet is one of the greatest joys that most people have ever known. Whether you have a cat, a dog, or some other pet, it is important to understand how your home insurance will be affected.

How Pets Affect Home Insurance Rates

To put it simply, pets can be dangerous. If a pet that you own causes harm to a person in your home, you will be held responsible. For example, dog bites are a common cause of home insurance claims every year. If your pet harms someone on your property, you are liable and your insurance company will have to pay. Because of this having a pet can increase the cost of your home insurance. Contact Robnett Integra Insurance Services of Brownwood, TX to compare quotes today.

Does Home Insurance Cover Pets?

Home insurance does cover pets in the sense that it will pay for liability and medical expenses related to injuries or damages that your pet causes. However, if you are interested in coverage that will pay for your pet specifically, then you will need to shop for pet insurance coverage as a separate policy.

Are Some Pets Excluded from Coverage?

While it will vary from one insurance company to the next, some pets are considered too much of a risk. This means that certain pets will only be covered by limited coverage or not covered at all.

If you are a current pet owner or planning to add a pet to your home, contact Robnett Integra Insurance Services of Brownwood, TX to find out how your home insurance will be affected. Give us a call today! We are more than happy to address any concerns that you may have about getting a pet or making changes to your current policy.

Who needs to get boat insurance?

Those that live in the Brownwood, TX area are well aware of how long and hot the summers can be. As you are looking for a way to enjoy the hot months of the year, investing in your own boat is a great option. Those that would like to buy a boat will want to know that their investment and purchase are protected. A great way to do this is by getting boat insurance, which offers various forms of coverage and protection. There are various situations when someone will need to have this coverage.

Those with a Loan Need Coverage

A situation when people will need to have boat insurance will come when someone has a loan outstanding. If you have taken out a boat loan, you need to comply with any lender standards. In most cases, this will include carrying a full insurance plan. Lenders require this coverage as it will offer protection for their loan collateral. 

Those that Want to Protect their Boat

A primary reason that anyone will want to have coverage is that it is the best way to protect their boat. When you are going to own a boat, you will want to enjoy it for a long time. Unfortunately, the risks of theft, vandalism, or accident damage can impact your ability to use your boat. With insurance coverage, you will get to protect your boat and will have the support to repair or replace it in the future.  

As you are looking for insurance support in the Brownwood, TX area for your boat, it would be a good idea for you to call Robnett Integra Insurance Services. Those that are going to call Robnett Integra Insurance Services will get the support that they need to choose a proper plan. This will help ensure you get the right coverage to protect yourself and your boat. 

When is the Best Time to Buy Life Insurance?

A life insurance plan ensures that your loved ones and other financial interests are protected when you die. But is there such a thing as an ideal time to buy life insurance? The answer might seem complicated, but it’s simple. Are you in a situation where your death could burden others financially? If the answer is yes, you need a life insurance policy from Robnett Integra Insurance Services in Brownwood, TX.

The reality is that we are all in different situations in life. But the good thing is that you can start with coverage that you are comfortable with and adjust as your lifestyle changes. Generally, here are examples of situations that may signal it’s time to buy life insurance.

You are young

Unlike the popular misconception that life insurance is for the old, the opposite is true. You should invest in life insurance when you are young and healthy. At this stage, you are deemed less risky, making your premiums affordable.

You are about to get married

Now that you are about to welcome another person into your life, it’s best to plan your long-term financial security. Being married means that you depend on one another financially. As such, you need life insurance to plug the hole left should one of the spouses die.  

You have kids or are about to start a family

Welcoming a child in your life is a cause for jubilation but also comes with financial responsibilities. With a child in the picture, you need to ensure that their expenses, including education and day-to-day expenses, are catered to even when you die. Life insurance is that safety net to ensure the surviving parent isn’t financially burdened when trying to make ends meet.

Buy life insurance today!

If there is ever a good time to buy life insurance is now. With twists and turns in life, you may never know what tomorrow brings. Ready for a life insurance policy? Would you please get in touch with Robnett Integra Insurance Services in Brownwood, TX?