What should I think about when getting life insurance?

Those that are in the Brownwood, TX area will need to have many different forms of insurance. One important form of insurance to consider is life insurance. There are a variety of factors to think about when you are shopping for this type of insurance. 

Amount of Coverage Needed

Determining the amount of coverage that you need in life insurance is very important. There are a lot of things to consider, most of which will be the future expenses that you would expect your dependants to incur. Some of these expenses to factor into your assessment include basic living and housing costs, retirement expenses, and costs for higher education. 

Type of Insurance Plan

You should also carefully consider the type of insurance that you should obtain. The most common options type of insurance to consider is term life. With this option, you are able to build a flexible plan that meets your needs in terms of coverage and policy duration and premiums tend to be more affordable. Another option is whole life insurance, which will give you coverage for the rest of your life if you want it. While premiums are higher, you can also use it as a way to invest as the money you pay will accumulate in an account that can be liquidated. 

When you are ready to start looking for life insurance in Brownwood, TX, you will want to make sure that you work with a professional that can provide you with proper guidance. As you are shopping for your next policy, you should call the team at Robnett Integra Insurance Services. When you call Robnett Integra Insurance Services you can learn far more about the different options that you have. They can also assess your personal situation to make sure you get coverage that is appropriate. 

Three types of damage a standard home insurance policy covers

When you take out a home insurance policy, it’s vital that you understand exactly what’s going to be covered under your policy. At Robnett Integra Insurance Services, we offer home insurance for homeowners residing in the Brownwood, TX area.

The following are three things that you can expect a standard home insurance policy to provide coverage for.

Damage to the interior or exterior of the home structure

The interior or exterior of your home could get damaged in a variety of ways. Your home could be severely damaged by a natural disaster, for example. If this happens, your home insurance will cover you for the resulting expenses. 

Liability coverage for accidents that occur within the insured home

If someone gets injured in your home, you could be held liable for covering the expenses. That’s why home insurance includes liability coverage. 

Lawsuit or medical bill costs from an injury in your home could add up to a great deal of money and damage you financially. If you have home insurance, you don’t have to worry about a liability issue within your home, causing you to lose your assets. 

Loss of possessions through theft of the insured property

If your home is burglarized, you could lose a lot of your most valuable possessions. When you have home insurance, you are reimbursed for the value of any belongings lost in a burglary. 

When you take out a home insurance policy, it’s a good idea to have your possessions evaluated so that you know how much insurance you need to cover the full value of your possessions. 

It’s crucial that you learn as much as possible about how home insurance works and what your options are before you purchase a policy. Get in touch with us at Robnett Integra Insurance Services, and we’ll help you learn about home insurance options in Brownwood, TX.

Your Auto Insurance Policy in Brownwood

For Texas drivers looking to update their automobile policies, Robnett Integra Insurance Services has an array of policy choices, coverage amounts, and protective policies that are designed to repair damages and get your vehicle back on the road. More important, an auto insurance policy will help cover any medical expenses incurred as a result of an accident. If you are not sure whether your existing policy continues to offer the correct coverage at the best price, we invite you to come in and discuss how our service can ensure that you enjoy adequate protection, coverage, and peace of mind.

Texas Auto Insurance Requirements

Throughout the Lone Star State, our drivers are required by law to have valid auto insurance before hitting the roads and highways of our community. Under existing law, Texas drivers must show financial coverage, typically through an insurance policy, to have $60,000 of insurance coverage per accident against bodily injury and a further $25,000 in damage protection.

Additionally, the law calls for a further $2,500 in personal injury protection, another $60,000 for uninsured motorist bodily protection coverage, and a further $25,000 in policy coverage to ward against uninsured motorist property damage.

Sculpting an ideal insurance coverage plan is what we do at Robnett Integra Insurance Services, and we would like the opportunity to discuss your insurance needs with an eye towards protecting that which is most important to you and your family.

Robnett Integra Insurance Services Serving

When it comes time to look over your Brownwood, TX auto insurance policy, you can rely on the fact that the trusted agents here at Robnett Integra Insurance Services will painstakingly go over your insurance needs and craft a policy that meets your family’s unique driving experience here in Brownwood, TX.

Should I get flood insurance for my property?

Anyone that lives in the Brownwood, TX area should consider owning their own home. When you are a property owner in this area of the state, you need to make sure that you are correctly insuring your property. One way that you can do this is by getting flood insurance. There are several situations when getting flood insurance coverage is right for you and your property. 

Located in Flood Zone

One situation when you may need to get flood insurance coverage is if you are located in a flood zone. Those that are in certain areas of Brownsville could be in a FEMA flood zone. If this is the case for you, any mortgage lender will want to make sure that you have the right insurance coverage in place to protect your home and their collateral. In these situations, it is very common for a lender to also escrow for your payments every month. 

Additional Coverage

Even if you are not obligated to carry this insurance, you may still want to have it if you are concerned about flood risk. If you are concerned about the risk of flood damage, you should look into the additional protection provided by flood insurance coverage. This will give you coverage to repair your property following flood damage if it is not included in your base policy. 

There are many situations when getting flood insurance for your property would be a good idea. If you are trying to determine whether you should get this coverage, you should contact the professionals at Robnett Integra Insurance Services. When speaking with the team at Robnett Integra Insurance Services, Brownwood, TX property owners will learn a lot more about their insurance options. They can then figure out if getting flood insurance is right for their situation. 

Three Reasons to get Life Insurance

No one wants to think about life insurance because that means we are accepting the fact that someday we are going to die. As morbid and disturbing as it may be to some, there is no way around it. So, whether you are a 20-year-old college student, a 35-year-old soccer mom, or a 63-year-old man waiting to retire, you need life insurance. As difficult as it can be, Robnett Integra Insurance Services in Brownwood, TX can help you through the process.

  1. Wakes & Funerals are Expensive – When a loved one dies, closure is essential, especially if they died young or suddenly. Your family and friends need to be able to say goodbye. The average cost of a wake and funeral is $10,000, a celebration of life or a gathering after the funeral can cost a few additional hundred dollars. If you don’t already have a plot in the cemetery or a headstone, you’re looking on at an additional, few thousand dollars. If you do not have life insurance, who is going to pay for your wake and funeral?
  2. Take Care of Those You’re Leaving Behind – This is especially true if you are the main breadwinner. Your spouse and children will have to continue living after you’re gone, but it may take your spouse a few weeks or months to get back on their feet. The bills still have to be paid, so income is a necessity. Therefore, it’s important to figure out how much your family will need to get by until they can get back on their feet.
  3. Peace of Mind – Who wants to worry about how their wake and funeral will be paid for or how their family will get by when they are gone, not to mention any debt you may leave behind that needs to be paid. Ironically, once you get the life insurance policy, you will feel at peace with it and eventually forget about what your life insurance policy even represents.

Don’t put it off any longer. Call Robnett Integra Insurance Services in Brownwood, TX today!

  

Should Teens Have Their Own Auto Insurance?

When considering whether or not to purchase an insurance policy for a teen, or put them on an existing policy, there are a few things to consider. Anyone who has a teen living in the home will notice changes to the policy if they are added. In contrast, a teen who has a policy of their own will need to be able to meet the responsibility of making the premium payments regularly or having a backup plan.

Teen Drivers

Teen drivers are much more likely to file a claim than older drivers, which is why their policy premiums are much different than an experienced adult driver. If the teen lives in the home and doesn’t own the vehicle in question, they can be added to a parent or guardian’s policy in most cases. It is important to ask an insurance agent how this addition will change the policy before making that decision. If the teen owns the vehicle, they will likely need to have their own policy. In this situation, an experienced auto insurance agent can help weigh the options to make a decision that works best for the situation. 

An Agent is a Resource

Using an experienced agent working for an insurance agency that is established with a solid reputation in the community is a valuable resource. They can walk clients through the process of selecting insurance policies and answering questions to help find options that fit best. Those who live near the Brownwood, TX area should consult with Robnett Integra Insurance Services to get the assistance they need deciding on insurance for teen drivers.

Protect teen drivers with top quality insurance products that meet their current needs. Call or stop by Robnett Integra Insurance Services, serving Brownwood, TX. 

Will Installing Solar Panels Affect My Insurance Coverage?

Solar panels are fast becoming one of the best ways for homeowners to reduce their energy costs. The question that many people have is, "How will the solar panels affect their insurance coverage?" In Brownwood, TX, the agents at Robnett Integra Insurance Services have the answers to those questions and many more.

Covered by Your Standard Homeowner’s Insurance

Once solar panels have been properly installed, they are considered part of the structure of your home. As part of your home, they will be covered under your existing homeowner’s policy. If they are damaged or stolen, you will be able to file a claim against your policy.

Increase Your Coverage Amount

To make sure the solar panels are sufficiently covered, you will need to report their installation to your insurance agent as soon as possible. Solar panels are an investment and must be treated as such. This could mean increasing the amount of your coverage to ensure you are properly reimbursed if your home is lost in a fire or other devastating event.

Lower Your Energy Costs

It’s important to remember that the energy provided by your solar panels will lower your utility costs and, over time, pay for themselves. Adding a few dollars to your premium is well worth the long-term benefits.

At Robnett Integra Insurance Services, agents serve several communities near Brownwood, TX. Call the office today if you are purchasing solar panels or have already had them installed. The agents can offer you sound advice on how to effectively manage your energy costs using your new solar panels. They can also let you know if any rebates or discounts are available.

Why do I need boat insurance in Brownwood, TX

Owning a boat in Brownwood, TX is a dream come true. Texas has a lot of registered boats. Only five states in the United States have more boats. With almost 600,000, you are not going to be alone on the seas, lakes, rivers, and ponds in Texas. Boat insurance is not required by law, and you may think that your homeowners or auto insurance will cover you, but it is not guaranteed. It is something that you need to discuss with the professionals at Robnett Integra Insurance Services. 

According to the Texas Department of Insurance, your homeowner’s insurance will offer minimal coverage of damage to your boat. You need to check what that amount is and measure it to the value of your boat. If you don’t own a home and have home insurance, then it is necessary to consider purchasing boat insurance, and even if you do have limited coverage, you need to upgrade to full boat coverage for several reasons. 

Boat insurance covers most of the things that auto insurance covers. To protect you and your assets, you need liability coverage. This will pay for damage to another boat, a dock, or other items that may be damaged by your boat. It will pay for medical expenses if someone is injured. It can also help in the event that legal action is taken against you because of the accident. 

Collision and comprehensive coverage will pay for damage to your boat by covered hazards. You need to decide if you want to have agreed value, the actual value, or replacement cost. All of these are different amounts. 

Having a boat can offer hours of enjoyment. In Brownwood, TX, Robnett Integra Insurance Services can help you to protect your boat and yourself in the event something goes wrong. Stop by our office or give us a call for a no-obligation quote. 

 

 

Choosing a Life Insurance Beneficiary

Once you’ve decided to purchase life insurance, the next step is choosing a beneficiary. Your beneficiary is the individual(s) who will receive the benefits of your policy upon your demise. At Robnett Integra Insurance Services in Brownwood, TX, we’re more than happy to help you select one or more beneficiaries for your life policy. Here are a few factors to consider when making this decision.

Spouse and Children

If you’re married with children, you’ll undoubtedly want to name your spouse as your beneficiary to ensure your family has the financial support they need after your demise. Life benefits can help replace the loss of your income so your family can continue the lifestyle they’re used to after you’re gone. Life benefits can be used to pay your mortgage, buy food and clothing, pay for school or medical needs, or be put in a trust for your children’s college.

Aging Parents

Singles may want to name their parents as beneficiaries to provide financial support in their golden years. If you’re helping your parents now, life benefits will continue providing financial support after you’re gone. In like manner, you can name younger siblings as beneficiaries to provide them with financial support or help put them through college.

Business Partner

If you’re the co-owner of a business, you could name your business partner as a beneficiary so that they can continue the venture after your demise. Life benefits can replace your financial input to keep the business running until your partner can make the proper adjustments after you’re gone.

Charity

You can also name your favorite charity as the beneficiary of your life insurance policy to help those in need in your local community.  

For more information about life insurance options, benefits, and costs, call or visit Robnett Integra Insurance Services in Brownwood, TX.

Protect Your Brownwood Area Home With a Comprehensive Home Insurance Policy

Robnett Integra Insurance Services is here to provide the comprehensive home insurance policies that Brownwood, TX residents need to keep their houses protected. A comprehensive home policy can make the difference between complete coverage and having some expenses coming out of your own pocket. Let our helpful and knowledgeable agents work with you to determine which policy is right for your situation.

Benefits of Comprehensive Home Policies

With a comprehensive policy, you can select coverage options for situations such as reimbursement for alternative living costs if your home were to become uninhabitable. There are options and features available that provide this extra layer of protection that can make it easier to deal with a covered event. Protecting your family home is very important, and it’s vital that your policy meets your needs in the event that a disaster happens. 

Imagine if the unthinkable happened to your family home, the amount of stress could become unbearable, but with a solid policy, you will have the peace of mind that comes with knowing that you and your family have the coverage you need. Our agents will also be able to help you navigate the often confusing claim process. A local agent is going to be there for you if a covered event should occur, this is much better than the 800 number that you will receive from an online insurer. We are here to serve.

Are you in the greater Brownwood, TX area? Call or stop by Robnett Integra Insurance Services today to learn more about the homeowner’s policy options that are available in Texas. We look forward to working with you soon! We want you and your family to be protected and have the coverage you need for your family home.