Will Your Auto Insurance Policy Cover You if You Are Injured in a Rideshare Accident?

Posted on January 30, 2026January 13, 2026 by admin

Even if you own a vehicle in Friendswood, TX, you may take a rideshare occasionally under certain circumstances. However, who is responsible if you sustain injuries in a rideshare accident? In most cases, other insurance will cover liability, but your auto insurance policy may help with some costs. The professionals at Roberts Family Insurance can help you understand who may be responsible for paying for your injuries.

Why Your Auto Insurance Isn’t Responsible in a Rideshare Mishap

When you enter a rideshare vehicle, the company sponsoring the ride, such as Uber, Lyft or another local organization, is providing you with a commercial service. That represents the primary reason why your personal auto insurance policy won’t cover any injuries. The rideshare company’s commercial policy or the at-fault driver’s policy typically steps in to cover any costs resulting from an injury-causing accident. The rideshare company is liable if the driver is on the app at the time of the accident. Rideshare companies typically have high liability limits to protect against accidents. If the driver has signed off the app or if the accident occurs after you leave the vehicle, then the driver’s auto insurance policy will cover injuries.

When Your Personal Auto Coverage May Apply

Personal bodily injury liability usually won’t apply in a rideshare mishap, but another part of your policy may help. If you have medical payments or personal injury protection (PIP), this portion of your policy can kick in to provide you with payments for immediate medical expenses while you pursue your claim with the at-fault driver. This portion of your personal policy pays no matter who is at fault.

Get comprehensive auto insurance protection to meet your needs by working with Roberts Family Insurance, serving the Friendswood, TX area. Contact our professionals today to get started on coverage.

Should You Get Full Coverage for Your Brand-New Car?

Posted on December 31, 2025December 8, 2025 by admin

If you’re shopping for a new vehicle, it’s important to have a plan for getting it insured. Often, car drivers choose to get full coverage for their brand-new vehicles. Understanding the benefits of full coverage can help you decide if this type of insurance is right for your car. At Roberts Family Insurance, servicing Friendswood, TX, we can help you find the right level of insurance for your vehicle.

Whether you need full coverage, collision coverage, or liability-only coverage, we can help. Our experienced insurance professionals can answer your questions and provide you with the information you need to make an informed decision. Here’s what you need to know.

What Is a Full Coverage Auto Policy?

There are many types of car insurance, including liability, collision, and comprehensive. Full coverage is an insurance option that combines all auto insurance types into one policy. When you have full coverage for your vehicle, you have the maximum amount of coverage there is. Full coverage will pay to repair or replace your vehicle in the event of a collision or non-collision event, such as theft or flooding. Full coverage also provides financial protection against damage and injury you cause to others.

Is Full Coverage Better for a New Car?

Many people who have new vehicles choose full coverage for their cars. Full coverage helps pay for damages to your vehicle, as well as non-collision damage like hitting an animal or vandalism. Unless you have enough money to repair or replace your new vehicle, you may want full coverage for your car as well.

Is Full Coverage Required?

Full coverage auto insurance may be required if you have an auto loan. Your auto lender will let you know if this is a requirement for getting a loan. To learn more about full coverage insurance and other types of auto coverage, contact the insurance professionals at Roberts Family Insurance, servicing Friendswood, TX.

Bundling Home Insurance With Auto and RV Insurance in Friendswood, TX

Posted on November 26, 2025November 7, 2025 by admin

Managing multiple insurance policies simultaneously can be tricky, overwhelming, and downright confusing. If you’re a homeowner, and you also have auto insurance and RV insurance, bundling may be the best path for you to consider. At Roberts Family Insurance, serving Friendswood, TX and surrounding areas, we work with clients who are interested in consolidating and combining insurance policies. Understanding your options can help you feel more in control over your insurance options year-round.

Why Bundling is a Good Idea

Bundling is a way for individuals to receive discounts, depending on the number of policies you’re planning to bundle and current coverage options. Homeowners who own vehicles and recreational vehicles, or RVs, can save every year on insurance with the right bundling solution.

Local Benefits

With unexpected weather risks and storms just outside Friendswood, TX, bundling your insurance may be best for the ultimate protection. Bundling your home and auto (or RV) insurance together is a way to coordinate deductibles and limits on policies. This can help significantly reduce coverage gaps, especially when it comes to weather-related claims.

Convenience

Bundling your policies makes handling your insurance premiums and claims much easier. One renewal date, one payment, and one agent makes managing your insurance much easier. Simplifying record-keeping is one of the biggest advantages of bundling insurance. Adding roadside assistance, accident forgiveness, or replacement costs for both vehicles and homes is much easier to do once your insurance has been consolidated into one premium.

Knowing your options when it comes to bundling home insurance with auto and RV insurance is key for residents of Friendswood, TX. If you’re considering the option of bundling, but you’re unsure of where to get started, we can help. For your quote and consultation, get in touch with Roberts Family Insurance in Friendswood, TX to learn mroe about your potential bundling solutions today.

What To Do When You’re in an Accident That Wasn’t Your Fault

Posted on October 31, 2025October 24, 2025 by admin

If you are a Texas driver, getting into a car accident is always a possibility. If you’re hit by another driver, what should you do? Our insurance agents at Roberts Family Insurance, serving Friendswood, TX, explain.

What To Do If You’re in an Accident That Wasn’t Your Fault

If you’re involved in an auto accident, you’ll probably feel overwhelmed. Remember to contact the police before leaving the site of the accident, as they must complete an accident report. You’ll need a copy of the accident report to send to your insurance company. If the accident is determined to be the other driver’s fault, you may wonder about how you will get the money to repair your car.

According to the Texas Department of Insurance, if your auto insurance policy has collision coverage, your insurance company will pay for your repairs (minus your deductible). It is your insurance company’s responsibility to deal with the other driver’s insurance. If they get enough money from the other driver, your deductible might be refunded. If the other driver doesn’t have auto insurance, the uninsured motorist coverage on your insurance policy will pay for your repairs or medical bills (if you have this coverage).

Call Us for an Appointment

Don’t take a chance by driving without auto insurance. Our team at Roberts Family Insurance will help you find a policy that suits your needs and budget. Call us for an appointment and let us help you get safely on the road.

Homeowners Insurance and AirBnB: What Hosts Need to Know

Posted on September 30, 2025September 25, 2025 by admin

Renting out your home or spare room through Airbnb can be a great source of income, but it also introduces new risks. Understanding how homeowners’ insurance applies and where it may fall short is key to protecting yourself and your property.

Standard Homeowners Insurance Limitations

Traditional homeowners’ insurance is designed to cover personal use, not business activity. When you host paying guests, many insurers may view it as a commercial endeavor. This could leave gaps in coverage if a guest is injured or causes damage during their stay.

Liability Concerns for Hosts

Accidents can happen, from a guest slipping on the stairs to a kitchen mishap. If you’re found responsible, liability costs can quickly add up. Relying solely on a standard policy may not provide adequate protection, leaving you vulnerable to legal and medical expenses.

Property Damage Risks

While homeowners’ insurance typically covers accidental damage, it may exclude losses caused by paying guests. Airbnb offers Host Protection and Host Guarantee programs, but these have limitations and may not fully replace or repair your property in every situation.

Specialized Coverage Options

Many insurance companies now offer endorsements or short-term rental policies explicitly designed for hosts. These plans can extend liability and property coverage to fill the gaps left by standard homeowners policies.

Why Work with a Local Insurance Expert

An experienced insurance agency can review your current policy, explain where coverage may be insufficient, and recommend tailored options to keep your home, income, and guests protected while you host through Airbnb.

Visit Roberts Family Insurance in Friendswood, TX

At Roberts Family Insurance, we’re proud to provide Friendswood homeowners with the coverage they need. Contact our team today to schedule a consultation and learn more.

When should I reduce or adjust my auto insurance for my older vehicle?

Posted on August 29, 2025August 25, 2025 by admin

Car insurance is an expense that all drivers must pay, but it comes with many benefits. Once you own your car outright, you may no longer be required to carry as much insurance. There are also other circumstances that may lead car owners to consider reducing their coverage. Our Friendswood, TX, team at Roberts Family Insurance is dedicated to helping Texas drivers find the best auto insurance coverage for their unique situations. We understand that determining how much insurance to invest in can be confusing, depending on your circumstances.

When Should I Reduce or Adjust My Auto Insurance for My Older Vehicle?

It may still be a good idea to maintain full insurance coverage if paying for car repairs or other unexpected incidents out of pocket would be financially challenging. Insurance provides many benefits. However, if your car is older and its value is less than the cost of your insurance premiums, reducing your coverage might be a practical option. Discussing your situation with an insurance agent is the best way to determine whether reducing coverage is the right move for you.

We take pride in providing thoughtful answers to drivers in Friendswood, TX. Our team at Roberts Family Insurance understands how confusing navigating auto insurance can be. That is why we are committed to answering all of your questions and meeting your needs. As your insurance needs change, adjustments may be necessary. It is our job to help you make the right changes or maintain your current level of coverage if it is in your best interest. Call us today to discuss your options. We’re here to help.

When Do I Need to Tell My Home Insurance Agent About Pets?

Posted on July 31, 2025July 24, 2025 by admin

Welcoming a new pet into your home can bring joy and add value to your life in many ways. However, this change may require updating your home insurance policy to reflect the new addition to your household. This is especially important if your pet could be considered a risk to others.

At Roberts Family Insurance, our team can help you select home insurance in Friendswood, TX that fits your needs, even when you’re welcoming a furry family member.

Why Inform Your Home Insurance Agent About Your Pets?

It’s essential to inform your insurance agent about any changes in your household, including the addition of pets. This is particularly important if you have a dog, as dogs can pose bite risks to visitors, even if they are smaller or non-aggressive breeds.

Additionally, you should notify your homeowners insurance company about other pets, such as cats, reptiles, or exotic animals. These animals can present unique risks. For example, a reptile enclosure may be valuable, and if it’s damaged due to a covered claim, you’ll want its value documented in your policy. Your insurance company also needs to be aware of potential risks, such as the possibility that the enclosure’s heating element could pose a fire hazard if improperly installed.

How Your Agent Can Help

At Roberts Family Insurance, our home insurance agent in Friendswood, TX can help you determine the type of insurance necessary for your home and lifestyle. We’ll help you select a policy that offers the ideal level of liability and property coverage to meet your specific needs.

Buyers vs. Sellers Market in Auto Insurance: The Key Insights

Posted on June 30, 2025June 24, 2025 by admin

The terms "buyers’ market" and "sellers’ market" are commonly used in real estate, but they also apply to the auto insurance industry. In this context, the phrases "soft market" and "hard market" are used. Roberts Family Insurance explains how each market affects the industry and your insurance policy.

What Is a Soft Market?

A soft market in the auto insurance industry is similar to a buyer’s market in the real estate industry. Customers in Friendswood, TX hold the power, leading to increased competition among carriers to attract their attention. To do so, insurance companies offer reasonable premiums, fewer underwriting criteria, and generous coverage options. The goal is to expand their business by attracting more customers. However, the downside is that intense competition can lead to lost revenue or even business closures.

What Is a Hard Market?

A hard market typically follows a soft market to balance the industry. It is equivalent to a seller’s market in the real estate industry. In a challenging market, auto insurance companies hold significant power due to the limited number of competitors in Friendswood, TX. This results in higher premiums, fewer coverage options, and stricter underwriting criteria for customers. Insurance companies may issue non-renewal notices, discontinue underperforming insurance types, and exit high-risk locations.

What Market Is the Auto Industry in Right Now?

As of this writing, the auto insurance industry is entering a soft market. After exiting high-risk and unprofitable markets, insurance companies are now focused on generating revenue and attracting frustrated customers with competitive offerings. They aim to appeal to the 38% of people dissatisfied with their current policies and the 51% of high-value customers who are unlikely to renew.

With buyers holding more power during this time, it’s an excellent opportunity to purchase auto insurance or switch providers. An agent at Roberts Family Insurance can review your policy, address your concerns, and connect you with carriers that meet your needs. Contact us today for more information on auto insurance.

Are Other Structures on Your Property Covered by Home Insurance?

Posted on May 30, 2025May 28, 2025 by admin

If you own your own home, it’s wise to have it insured. But your home isn’t limited to just the house you live in. You may have a fence to mark the edge of your property. Perhaps you have a shed, workshop, stable, cabana, barn, or gazebo on your property. Maybe you’ve had a well on the property for centuries, or you’ve installed a decorative fountain or birdbath. Perhaps you built a small house for Fido or an even smaller one for wild birds or bats. Will your insurance cover them, too?

Coverage B

Check out your home insurance policy. It should have Coverage B, also known as other structures insurance coverage. This should protect structures on your property that are not physically connected to your home. Generally, the coverage limit is set at ten percent of the dwelling coverage of your policy, but you should check to be certain. Attached decks and garages that are connected to your house are covered under dwelling coverage. Anything that is detached from the house proper or only connected by a fence falls under other structures coverage. If you have a pool, it may also be covered by Coverage B, although many companies may require you to put a fence around it, as pools tend to be considered attractive nuisances. If you have one or more large structures on your property, it would be beneficial to research their replacement costs. Structures used for business purposes may not be covered. Check your policy to find out what precisely you are covered against.

Contact Roberts Family Insurance in Friendswood

If you are in the Friendswood, TX area and need homeowners insurance, don’t hesitate to get in touch with Roberts Family Insurance. We’re here to help.

Does my auto insurance policy in Texas cover theft?

Posted on April 30, 2025April 23, 2025 by admin

Owning and maintaining your vehicle is crucial for long-term use, whether you have a new car or an older truck. If you’re located in Friendswood, TX, ensuring your automobile is covered for theft and break-ins is essential to prevent unexpected losses or damage. At Roberts Family Insurance, we’ll work with you to find coverage that’s optimized for your commuting needs and/or travel plans.

Is Theft Covered with Standard Auto Insurance in Friendswood?

It’s important to note that theft is only covered for those who have comprehensive coverage in Friendswood. Traditional, liability-only policies do not cover weather damage, vandalism, or theft incidents. Comprehensive insurance, on the other hand, is ideal for new or financed vehicles, areas prone to weather, and urban or densely populated regions with high theft risks.

What Does Comprehensive Insurance Cover?

Comprehensive insurance covers vandalism, theft of an entire vehicle, and stolen parts, including items such as tires, batteries, and catalytic converters. Weather damage, including hail, floods, or falling objects, may also be covered. Animal damage may be covered, depending on the details of your policy.

What is Not Covered by Standard Auto Insurance?

Standard auto insurance in Friendswood does not cover the following:

Personal items that are found in your vehicle. These items may be covered by a renter’s or homeowner’s insurance policy instead.

However, standard policies do cover theft due to negligence, such as leaving keys in your car, as well as aftermarket modifications.

Understanding what your auto insurance covers is essential anytime you drive regularly, whether for work or pleasure. If you live and drive in Friendswood, TX, obtaining the right auto insurance policy is essential for protection and peace of mind. To learn more about your options when it comes to protecting your vehicle from theft, contact Roberts Family Insurance today.

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