Frequently Asked Questions About Insurance

Navigating the world of insurance can be complex. At Glenn-Bivins Insurance, we are dedicated to providing clear, straightforward answers to help you make informed decisions about your coverage. Since 1922, we have been a trusted, independent agency serving clients across Bronte, TX. Below, you will find answers to some of the most common questions we receive about auto, home, farm, and business insurance. If you need more information, please contact our specialists today.

What factors influence my auto insurance premium?
Several factors determine your auto insurance rate, including your driving record, the type of vehicle you drive, your age, your location, your credit history, and the coverage limits and deductibles you select.

What is the difference between liability coverage and full coverage for auto insurance?
Liability coverage is the minimum required by law and pays for bodily injury and property damage you cause to others in an accident. Full coverage typically includes liability, plus collision and comprehensive coverage. Collision covers damage to your vehicle from an accident, and comprehensive covers non-accident-related damage, such as theft, vandalism, or weather events.

What does a standard homeowners insurance policy cover?
A standard homeowners insurance policy typically covers four main areas: the structure of your home (dwelling), your personal belongings, liability protection against accidents on your property, and additional living expenses if your home becomes temporarily uninhabitable due to a covered loss.

Why do I need renters insurance?
Your landlord's insurance policy covers the building itself, but not your personal property. Renters insurance is essential for protecting your belongings, such as furniture, electronics, and clothing, from theft, fire, or other covered disasters. It also provides liability coverage if someone is injured in your rental unit.



What is covered under mobile home insurance?
Mobile home insurance, or manufactured home insurance, is a specialized policy that provides coverage similar to a homeowners policy. It can cover the physical structure of your mobile home, your personal possessions, and liability. Policies can be tailored to protect against risks specific to mobile homes.

What makes farm and ranch insurance different from homeowners insurance?
Farm and ranch insurance is a hybrid policy that combines standard home insurance with business liability coverage. It is designed to protect both your personal residence and your agricultural operations. This can include coverage for your home, barns, outbuildings, farm equipment, livestock, and liability related to your farming business.

Is my boat covered under my homeowners insurance policy?
Most homeowners policies offer very limited coverage for boats, usually only for small watercraft like canoes and for a low value (e.g., $1,000). For larger or more valuable boats, a separate boat insurance policy is necessary to adequately cover physical damage, liability, and medical payments.

What type of insurance does my small business need?
The insurance needs of a small business vary by industry. However, most businesses start with a Business Owner's Policy (BOP), which combines general liability insurance and commercial property insurance. Depending on your operations, you may also need commercial auto, workers' compensation, or professional liability insurance.

What is general liability insurance?
General liability insurance protects your business from financial loss should you be liable for property damage or personal injury caused by your services, business operations, or employees. It is a fundamental policy for any small business.

Can you help with hard-to-place business insurance or bonds?
Yes. At Glenn-Bivins Insurance, we write several surplus lines for hard-to-place businesses that may not qualify for standard insurance. We can also write bonds through providers like CNA Surety to meet your business's contractual or legal obligations.