Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. Why buy home insurance?
  2. What affects home insurance prices?
  3. How much home insurance do I need?
  4. What is actual cash value?
  5. What is replacement cost?
  6. What deductible should I choose?
  7. How can I get a lower premium?
  8. What type of insurance do I need, in order to insure my vehicle for damages & repair if in a auto accident?
  9. What is the coverage the lien holder requires if the vehicle is being financed?
  10. What is the coverage required by the State of Texas?
  11. What is the cost associated to get a policy with Robinson Insurance Agency?
  12. What does my Liability insurance cover?
  13. Is there a way to pay my insurance online?
  14. Is there a grace period on my policy?
  15. If I lend my car to a friend and they cause an accident, will the insurance pay on the accident?
  16. I want to cancel my policy. What do I need to do?
  17. Can I change personal information on the web site? Example... address, phone, etc...
  18. Do you use my credit information to give me a rate?
  19. Can you get insurance if you don't have a drivers license?
  20. What do I need to bring when I go into the office to purchase my policy?
Why buy home insurance?
  • Owners: To protect both your house and personal property.
  • Tenants: To protect your personal property.
  • Everyone: Protection against liability for accidents that injure other     people or damage their property.


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    What affects home insurance prices?
  • Type of Construction: Frame houses usually cost more to insure than brick.
  • Age of House: New homes may qualify for discounts. Some insurance companies offer limited coverage or may not insure older homes.
  • Local Fire Protection: The number of fire hydrants and fire departments and the availability of water are some factors that determine your area's fire protection class. If you reside in an area without fire protection, you will pay more for fire insurance


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    How much home insurance do I need?
  • Asset Protection: More coverage generally means you will have less to pay out of your own pocket if disaster strikes. You must determine the amount you can financially afford to lose. Depending upon your determination, more insurance may be the answer.  You need enough liability coverage to protect yourself from lawsuits resulting from your possible negligence.
  • Lender Requirements: Your lender may require you to cover the house for at least the amount of the mortgage. You are not required to purchase insurance from the insurer recommended by your lender.
  • Policy Requirements: Insurers may impose some conditions for replacement cost protection, including insurance of the property to value.


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    What is actual cash value?
    Actual cash value usually means amount needed at the time of the loss to repair or replace the property destroyed, less depreciation. Most standard home insurance policies cover the contents of your home (i.e., personal belongings) on an actual cash value basis, but it is possible to purchase replacement cost coverage.

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    What is replacement cost?
    Replacement cost is the amount necessary to replace or rebuild your home or repair damages with materials of similar kind and quality without deducting for depreciation.

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    What deductible should I choose?
    The deductible applies only to the coverages on your house and personal property. It is the amount you have to pay out of your pocket on each claim. You can collect on your insurance policy once the deductible amount is exceeded. A policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles also will result generally in fewer claims, at a time when insurers are nonrenewing if the number of claims is considered "excessive."

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    How can I get a lower premium?
    Strongly consider a higher deductible so you can cut your premium. In the current insurance market, don't tempt yourself with the possibility of a small claim, considering that many insurers now refuse to renew polices with a claim history and refuse to accept new customers with prior claims. View your homeowners insurance as catastrophic coverage only, and set aside your premium savings to cover minor repairs.

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    What type of insurance do I need, in order to insure my vehicle for damages & repair if in a auto accident?
    You would actually need the complete coverage which would be comprehensive and collision, this would basically cover your vehicle if in the event of a accident, but to get this type of coverage your vehicle would have to be damage free. To get a estimate please contact our customer service dept. at 281.239.8469.

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    What is the coverage the lien holder requires if the vehicle is being financed?
    The coverage that is required by the lien holder is Physical Damage. Physical Damage covers the vehicle from sand, hail, flood, vandalism and collision regardless of fault. The insured will pay the deductible then the policy will pay the rest of the damages.

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    What is the coverage required by the State of Texas?
    The State of Texas requires liability, uninsured/underinsured motorist and personal injury protection. The uninsured/underinsured motorist and personal injury protection can be rejected off the policy with the customers' signature.

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    What is the cost associated to get a policy with Robinson Insurance Agency?
    Policy premiums vary depending on coverage been sought. Please contact our Customer Service Center at (281) 239-8469 for further assistance and the best possible rate.

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    What does my Liability insurance cover?
    Liability coverage is the coverage the State of Texas requires you to have in order to drive your car. If you are involved in an accident that is your fault and you hurt someone in the other car, your policy will pay up to $20,000 for one person's medical bills. If you hurt more than one person in the other car, your policy will pay up to $40,000 for all the people you hurt. Your policy will also pay up to $15,000 for damage you cause to the other car or any other property.

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    Is there a way to pay my insurance online?
    Yes, we are currently taking payment's online. Click here Make a Payment.  But you could call 281-239-8469 and pay with a credit/debit card over the phone.

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    Is there a grace period on my policy?
    No, your payment is due on the date that it is due. If payment is late, a late fee might be assessed or subject to cancellation.

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    If I lend my car to a friend and they cause an accident, will the insurance pay on the accident?
    If you lend your car to a friend, the driver will only be covered if the individual is not legally excluded off the policy.

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    I want to cancel my policy. What do I need to do?
    For your protection cancellation requests require a written request which may be executed at any local branch.

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    Can I change personal information on the web site? Example... address, phone, etc...
    We are not currently able to process policy changes online . Contact our Customer Service Center at 281-239-8469 in order to assist you; some changes may be processed over the phone while others require a signature and must be done in person at your local branch.

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    Do you use my credit information to give me a rate?
    At Robinson Insurance Agency your Credit Score is never used to formulate your rate with most companies.

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    Can you get insurance if you don't have a drivers license?
    Yes you can please contact our Customer Service Rep at our office at 281-239-8469.

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    What do I need to bring when I go into the office to purchase my policy?
    It really depends on the type of coverage that you are purchasing, if it is the minimum coverage which would be liability you would only need to bring the title or registration as well as the driver license of any driver who is going to be on the policy. Now if its for the complete coverage you would need the vehicle, title or registration, driver license, and proof of homeowner, prior insurance, to receive your discounts only if this applies to you and a copy of a voided check.

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