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. 

How Can Texans Protect Themselves Against Uninsured Drivers?

Uninsured drivers are everywhere, in spite of the fact that Texas has strict requirements for those behind the wheel. Unfortunately, some drivers fall into the cracks. When you are involved in an accident with somebody who does not have insurance, it may feel as if your life is in total disarray.

The good news is that life does not have to be that way, especially when you protect yourself with uninsured motorist coverage. Robnett Integra Insurance Services helps many Brownwood, TX drivers find the right uninsured motorist coverage for them.

Uninsured Motorist Coverage Helps You

When you are the victim of an accident in which another driver is to blame, you might count on his or her liability coverage to take care of you. What if the other driver does not have insurance coverage at all? Your policy may help you. Uninsured motorist coverage may be the key to preventing serious financial loss to medical bills and property damage.

Consider Underinsured Motorist Coverage

Perhaps the driver at fault for an accident does have some liability coverage, but it is not enough to cover all your financial damages. They may have the minimum insurance, but that does not mean it is adequate. You may be able to rely on your underinsured motorist coverage to fill in the gaps.

How Do You Know If Uninsured Motorist Coverage Is Right for You?

It is always a good idea to have uninsured motorist coverage protect you on the road. If you are unsure about the benefits of this kind of policy, Robnett Integra Insurance Services, which serves Brownwood, TX, may be able to help you determine your optimal insurance plan.

4 Benefits of Umbrella Insurance

As the name suggests, umbrella insurance can save you during a rainy day. This coverage protects you when your typical liability coverages run out, leaving your assets on the line. Unfortunately, most people think that umbrella insurance is for the super-rich. This notion can’t be further from the truth. Umbrella insurance befits anyone earning a livelihood. 

Still not convinced that umbrella insurance is a worthy investment? Here are the advantages you enjoy when you purchase umbrella insurance from Robnett Integra Insurance Services.

It protects your assets

Assume you have been involved in a severe boating accident, injuring multiple persons. Having been deemed liable for the accident, you are expected to pay the ensuing medical and property damage costs amounting to $50,000. Unfortunately, your boat liability insurance limit is $10,000. 

If you cannot cover the difference of $40,000, your assets, including your boat and home, could be at stake. However, if you have umbrella insurance, it takes over where your boat insurance leaves off, protecting your assets. 

It protects you from liabilities not covered by other insurance coverages

The good thing about umbrella insurance is that it saves you against personal liabilities like libel, slander, false arrest, and malicious prosecution that aren’t covered by conventional insurance coverages. Besides, umbrella insurance covers legal costs, including attorney fees and settlement claims.

Provides peace of mind

Since we live in a litigious society, it may cause you sleepless nights, wondering who may be coming for your hard-earned assets. Thankfully, with umbrella insurance, you can rest easy, knowing that your assets are safe from all litigations.

It’s affordable

A popular myth is that umbrella insurance is damn expensive. However, umbrella insurance is quite affordable since it rides on other coverages. And the additional advantage is that it protects you against personal liability wherever you are in the world.

Umbrella insurance in Brownwood, TX

Umbrella insurance comes with the above advantages and many others. Would you like to get umbrella insurance coverage in Brownwood, TX? Please get in touch with Robnett Integra Insurance Services.

Who Needs Life Insurance?

No one wants to imagine that their life will come to an abrupt end someday. However, when your demise strikes unexpectedly, you want peace of mind knowing that your family and loved ones will get cushioned financially. To get this protection for your beneficiaries, speak to our agents at Robnett Integra Insurance Services, serving the region of Brownwood, TX and its environs. Acquiring spectacular life insurance will provide funds for your loved ones after your demise to help them settle funeral expenses, living expenses and education costs.

Who needs life insurance?

It’s a challenging question that befalls many Brownwood, TX residents. For you to get a comprehensive answer to this particular question, you need to carry out an assessment of your financial status. Do you have people you cherish in your life, and you have enormous savings to leave to them upon your demise? If not, you need life insurance. Other categories that need life insurance include:

People with dependents

The main role in procuring life insurance is to safeguard your dependents from loss of income after your demise. If you have a spouse, children and other dependents, the death benefits can help your family to survive financial hurdles after you die.

You are a business owner.

If you have established a business entity, you may need life insurance to keep your business thriving. It will also provide your beneficiaries with funding to disband or sell the business, and it could protect another worker who is crucial to the business’s success.


Have you invested sufficiently to ensure that you will relax stress-free with your family after your retirement? Acquiring life insurance is vital because it can free retirees from spending their savings knowing that their dependents will receive the death benefit upon their death. The income accrued can be utilized to settle estate taxes and other prevailing expenses like funeral bills upon their death.

You carry a huge debt.

Your estate will clear most debts you own in your name upon your demise. If you die, bearing debts may throw all the proceeds from your estate into jeopardy. Life insurance can assist you in clearing your debts to avert leaving your beneficiaries with a financial burden.

Do you want to get life insurance that works for you and your loved ones in Brownwood, TX? Contact our agents at Robnett Integra Insurance Services to get your policy started as soon as possible.

How Much Homeowners Insurance Do I Need?

Holding enough homeowners’ insurance coverage to protect you, your belongings, property, and fellow occupants can make you feel secure. But how much homeowners’ insurance should you get? A homeowners’ insurance cover has several basic coverages, and some ‘add-on’ covers that better the protection provided.

To know how much homeowners’ insurance cover you’ll need, you’ve got to consider all the basic coverages and extras that you’ll need to cover any deficiencies in coverage. Read on to learn the step-by-step considerations that you’ll need to make to determine the amount of homeowners’ insurance coverage you’ll need.

Choosing the Amount of Dwelling Coverage

The dwelling coverage element of the homeowners’ insurance cover funds the rebuilding of your house after it gets damaged by a covered loss. The amount of standard dwelling coverage you’ll need depends on the approximate cost of rebuilding your home in your locality. But sometimes, widespread catastrophes may increase rebuilding material costs. 

In such cases, you may need extended replacement coverage that offers more coverage. Or you may need the guaranteed replacement cost, which assures you that your home will get replaced regardless of the severity of the catastrophe or the rise in material and labor costs.

Covers for Other Structures

Detached structures such as sheds and garages often get at least 10% cover under the homeowners’ insurance cover. But if you deem them to be crucial, then you should think about increasing the coverage percentage.

Personal Property Coverage

The personal property coverage protects household items, including clothing, electronics, and furniture. You may choose to get the household replacement option or a cash value refund for the damaged items. But both options get determined by applicable deductibles and policy limits, and most companies give a 50% to 70% limit of the dwelling cover. To determine whether the default amount is enough, you have to first do an inventory check on all your belongings before asking for an adjustment from your insurer. 

Apart from considering the dwelling, adjunct structures, and personal belonging coverage, you’ll also need to consider elements such as personal liability, loss of use, and medical payments that may come after a covered disaster. Evaluating all these elements and your situation will help you determine how much homeowners’ insurance cover you’ll need. 

Get Enough Homeowners Insurance Policy Today

If you’re in Brownwood, TX, you should visit the Robnett Integra Insurance Services to get your homeowners’ insurance cover. At Robnett Integra Insurance Services, we provide updated homeowners’ insurance policies to all Brownwood, TX, residents. Check out our website to learn more.

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.