Auto insurance coverage options

Are you confused by what is covered in an auto insurance coverage? Unsure of whether to take this cover or not? Integra Insurance Services is here to help you understand car insurance and why it is so important.

If you are in Huntington, TX, or whichever part of the world, you probably know that car insurance is a requirement by law. It is essential that you have this cover lest you attract penalties or even lose your driving license. At Integra Insurance Services, we have a team of well-trained employees who make sure you understand all the terms of insurance as well as all the coverage options before you sign any legal contract.

Every state has its auto insurance requirements. As for Huntington, TX, it is a must for you to have a liability coverage. Let’s look at it in detail.

Liability Coverage

However experienced you are in driving, once in a while you might find yourself involved in an accident. In such a case, if you cause injury to another driver and their passengers or if you cause damage to another person’s vehicle, you are held liable for all the damages. The state requires that you pay for all the medical expenses as well as cater for the car repairs. A liability coverage helps you cater for all the costs incurred.

In addition to Liability Coverage, we also offer collision coverage, comprehensive coverage and personal injury protection. A collision coverage helps you pay for damages caused to your car as a result of a collision with another vehicle or object whereas a comprehensive coverage caters for any damage caused to your vehicle by anything other than collision.

As for personal injury protection, we cover all your medical expenses if you were the driver as well as that of your passengers. Also, depending on your policy, we also cover funeral costs.

Integra Insurance Services is here because of you. Feel free to contact us through our website or call us for more information.

 

What Is Commercial Insurance?

Do you own your own business? If so, you may be thinking about insuring your company. An agent at Integra Insurance Services serving Huntington, TX can help you not only find the right policy for your business, but show you what commercial insurance is all about. Commercial insurance is what makes the difference when your business makes a mistake or suffers physical damage.

Liability and Worker’s Compensation Insurance

Categories of commercial insurance include liability insurance, worker’s compensation insurance, and property insurance. As far as liability insurance goes, it covers your business in case someone outside your business gets injured or third party property is damaged. There are sometimes different subcategories under liability insurance that allow you get more specific coverage, such as malpractice or errors and omissions. Worker’s compensation insurance takes care of injuries suffered by employees while they are working. 

Types of Policies for Commercial Property Insurance

Within the category of commercial property insurance lie three different policy forms: basic form, broad form, and special form. All of these serve to protect a business against different types of damage.

  • Basic Form: covers perils that are common, such as some natural disasters.
  • Broad Form: usually covers what the basic form does, plus damage like the collapse of a structure or what can be caused by internal malfunctions, like leaking water systems.
  • Special Form: usually includes every peril that might occur, minus exclusions that are specifically described. Exclusions might include damage from war or vermin.

Get a Commercial Insurance Quote

Whether you are a new business in search of commercial insurance for the first time or an established business looking for a good quote, Integra Insurance Services serving Huntington, TX is a great place to start. You can contact them today to get a quote started.

Business Security Systems And How It Affects Your Commercial Insurance Policy

The integrity of the agents and staffer at Integra Insurance Services is a bedrock of how we do business and how we treat your business. We hope that your business located in Huntington, TX or wherever it is in the greater Texas area has a slew of employees and clients that are filled with respect and integrity. While we are certain that we share this hope, we both know that unfortunately that is not always the case.

The Right Security System is Everything

False Claims

The amount of fraudulent claims against insurance companies continues to be on the rise. Amounts soar into the millions concerning false claims of slip and falls on business property. Having a security system in place that includes cameras can easily identify the fraudulent claims against your business.

Theft of Services or Products

Appropriately placed cameras can be a major deterrent against crime on your business property. In additions security systems can sound silent alerts to you when a theft has been initiated that could possibly prevent the full commission of the crime. There are a multitude of savvy systems on the market to help ensure you are able to keep your business safe and retain your profit margin.

Insurance Discounts

Speaking with an agent today regarding insurance rate discounts your company may be eligible for if you have a security system in place at your business is a worthwhile pursuit. Not only can you save against fraudulent claims and theft your policy rate may be lower because you have preventative measures in place for protection. 

Stop by our offices at Integra Insurance Services located in Huntington, TX to further discuss how we can work together to ensure that your business has the best insurance protection.  

Choosing Homeowners Insurance in Huntington, TX from Integra Insurance Services

A homeowner’s insurance policy will provide funds to repair or replace your home and personal property, if they are damaged in an unforeseen event. If you are looking for homeowners insurance in Huntington, TX, there is a lot to consider. Besides basic coverage, you will want to consider optional coverage for unanticipated losses. Your Integra Insurance Services agent can help provide information or quotes on the best options for your policy.

Texas Homeowners Insurance

Most homeowner’s policies in Huntington, TX contain one or more of these coverages:

  • Dwelling covers your home in case of damage.
  • Personal property pays for household good, such as furniture, appliances, clothes, that are stolen or damaged. 
  • Other structures pay to repair or rebuild detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses while your home is being repaired. (Usually less than 24 months of coverage.)
  • Personal liability pays court costs and damages (if you are found legally responsible) for someone else’s personal injury of property damage that took place on your property.
  • Medical payments pay the medical costs if someone is hurt on your property. 

Types of Policies

The two types of policies sold in Texas are all-risk policies and named perils policies. All-risk policies (comprehensive coverage) give you broad coverage for any and all causes of loss, with specific exemptions. Named perils policies are narrower and more cost effective. They offer protection on named perils based on the policyholder’s elections. This gives you more control over your coverage but is less comprehensive than all-risk policies.

Talk to your Integra Insurance Services agent for more information on how to get the coverage you need for your home.

Contact Us

Call us today at 800-655-2159 for more information on your Huntington, TX home insurance needs.

 

3 Features About Your Teen’s First Car That Can Mean Higher Insurance Rates

It is only logical that adding a new teen driver to your auto insurance in Huntington, TX will mean a slight rate increase because new drivers are more of a risk. However, did you know that the type of car your teen drives can also affect your premium price? Take a look at a few features of your teen’s first car that can mean a slightly higher car insurance premium. 

The Car Has a Powerful Engine 

That sports car may not be higher to insure simply because of its name; cars with more powerful engines tend to be a bit higher to insure, however. This is because a car with a more powerful engine may also have a driver who insists on traveling at a higher rate of speed, which can be a risk if you have a teen driver on your policy. So instead of opting for a V8, try picking a smaller car with a less powerful engine for your teen driver. 

The Car Is On the DMV’s Top Stolen Vehicle List 

Did you know there are cars and trucks that are more likely to be stolen than others? In fact, the DMV has a list of top stolen vehicles. If the car you buy for your teen is on this list, you could see a higher premium cost because of it. 

The Car is an Unusual Color 

Even though all insurance companies do not follow the same rules, most of the time, a car that is painted an unusual aftermarket color will be a little higher to insure. This is because if the car is involved in an accident, the paint would be more expensive to replace. To find out what car paint colors could be higher to insure, contact an Integra Insurance Services agent. 

 

Insurance for Recreational Vehicles

You work hard. You deserve to play hard. Your motorized recreational vehicles take your outdoor leisure time to another level. A comprehensive insurance policy will protect your investment. But what insurance coverage do you need for your recreational vehicles in the Huntington, TX area?

Off-Highway Vehicles and Texas Law

The Texas Department of Motor Vehicles defines off-highway vehicles as motorized vehicles that do not exceed 45 mph. These can be separated into more specific categories.

  • Low-speed (LSVs) and Neighborhood Electric Vehicles (NEVs)

These small passenger vehicles are equipped with mirrors, seat belts, and head and tail lights, similar to cars and trucks. These smaller machines, however, are only capable of reaching speeds between 20-35 mph. They can be driven on public roads, but are not safe for highway use. These vehicles must be registered with the Texas DMV, and covered by an active insurance policy.

  • Golf Carts

A golf cart has no less than 3 wheels and reaches speeds between 15-25 mph. Designed for use only on golf courses, these vehicles are generally not allowed on public roads. However, there are limited exceptions to that rule. Golf carts may be driven on the private roads of master planned communities, beaches, on roads within 2 miles of where the cart is normally parked, and on roads with posted speed limits of 35 mph or less. State law does not require golf cart owners to insure or register their vehicles.

  • All-Terrain Vehicles (ATVs)

An ATV is equipped with seats for the driver and passenger, has three or more wheels, measures less than 50 inches in width, and is not designed for highway, farm, or landscaping use. Only law enforcement, utility workers, and certain farmers may drive them on public roads. Insurance is not required to operate these vehicles, but you may need motorcycle training to ride them on public lands.

Protect Your Toys

Many recreational vehicles are not required to be insured under Texas law. However, a comprehensive insurance policy protects your toys from theft, damage, and helps pay medical bills when accidents occur.

Integra Insurance Services can customize a policy to protect all of your property, including your motorized big kid toys. If you store your recreational vehicles in the Huntington, TX area, give Integra Insurance Services a call.

Recreational Boating: 5 Tips for Staying Safe on the Water

Now that is is Summer, you may be looking forward to boating season. Safe boating is key to enjoying your time out on the water. Updating your boating insurance with Integra Insurance Services in Huntington, TX will ensure you are protected against any eventuality. The following tips will help you stay safe on the water.

Navigate Safely       

If you’re new to boating, you may want to take a boating safety course to learn safety procedures for recreational boating before taking your vessel out on the water. The more knowledgeable you are about boating, the better. Safe boating habits such as navigating at safe speeds and staying alert at all times can reduce the risk of accidents.  

Wear a Life Jacket

As the captain of your ship, you’re responsible for the safety of your passengers. Make sure everyone wears a life jacket when going out on the water. Children should have jackets that fit properly for their age and size.

Maintain a Safe Vessel

Check your boat periodically to ensure it’s in good condition and safe for traveling. An unsafe vessel will not only endanger your safety but could pose a threat to other boaters. Don’t forget to check your life raft(s) as well, especially before taking any long distance trips.

Stay Abreast of Weather Conditions

Check the weather forecast to make sure weather conditions are appropriate for boating. Take note of storm advisories and return to port if adverse weather threatens your safety.  

File a Float Plan

If you’re planning an all-day boat trip, tell someone of your plans to include where you’re headed and when you’ll return. If something happens, that individual can tell authorities where to conduct a search.

To learn more about boating insurance options to protect your family and vessel, see an Integra Insurance Services agent in Huntington, TX.     

The Basics of Business Owner Policies

Business owners need to make sure their investment is covered from all angles. A Business Owner Policy (BOP) combines the most popular commercial insurance coverage options into one convenient package. Integra Insurance Services in Huntington, TX can help customize a policy for your business. 

Commercial Property

These policies protect your real estate, buildings, and equipment. There are 3 types of commercial property policies offered in the state of Texas.

  • Basic. Covers common perils, like damage from violent weather or fire.
  • Broad. Covers damage from water, structural collapse, sprinkler malfunction, and weather related damage, in addition to common perils.
  • Special Form. Covers damage from most sources. Anything not covered is spelled out in the policy.

Business Interruption

These policies pay when you need to close due to unforeseen circumstances. Different policies may cover:

  • Business income (pre-tax net profit)
  • Extra expenses involved in resuming operations after a catastrophe
  • Lost income due to temporary government restrictions, such as during a police incident

Commercial Vehicle

Protects your fleet and service vehicles.

Liability

General liability policies cover costs associated with injury or damage your business is legally found liable for. Per state law, all businesses in the Huntington TX area must have general liability coverage.

What Might Not Be Covered

Floods, earthquakes, acts of war or terrorism, nuclear disaster, insect or vermin infestations, and deterioration are not included in commercial property coverage. The insurance experts at Integra Insurance Services can help you customize a package that addresses any potential hazards based on your location and industry.

Crime coverage pays damages in the event of theft, robbery, forgery, and related acts that result in loss of profit. An additional policy, or endorsement, is usually needed.

Are you sure your business has all the coverage it needs? The experts at Integra Insurance Services can help you customize the perfect package for your business in the Huntington, TX area. Contact us today for a policy review.

Spring Clean Your Home

Before the job becomes too tuff to handle, you should get started on your spring-cleaning projects now. The Huntington, TX insurance agents at Integra Insurance Services would like to reveal a few helpful tips to make your cleaning experience less stressful.

Start with the Kitchen

There’s a thin layer of buildup that covers the outside of your kitchen cabinets. When you cook, specks of grease can leave residue on the cabinet doors. Depending on the material your cabinets, you can use soapy water to remove the stains. Afterward, dry them with a clean microfiber cloth.

While you are in the kitchen, tackle the range hood over the stove. The outside may just need a quick wipe down, but underneath, you should consider using a degreaser or an all-purpose cleaner. There is probably a great deal of baked-on grease, so you could spray the inside of the hood and let it settle for a few minutes before wiping it down.

Inside and Outside Windows

Go around each of the windows with a bucket of soapy water. This will release any dirt or grime that has congregated in the corners over the past year. Outside, you can rinse the windows with a garden hose. When you’re finished, you may want to use window cleaner to give the glass a healthy-looking shine.

Give Your Mattress a Fresh Start

While you are washing your bedding, you can refresh your mattress. Vacuum the service of your mattress with your vacuum attachment then spot clean any visible stains with upholstery stain remover. You can keep it fresh by sprinkling a small amount of baking soda over the surface.

Integra Insurance Services services the Huntington, TX area. Their independent agents can help you with adjustments on your new or current homeowners insurance policy.

Top Auto Insurance Myths

Auto insurance is something that you simply cannot live without in Huntington, TX if you own a operate a vehicle. However, it is something that many people do not fully understand. There are a lot of myths that people have in their mind about auto insurance and it can distort the truth for them. To help you better be able to determine what is true and what is false, take a look at these common myths from Integra Insurance Services and the truth behind them.

Your Credit Score Doesn’t Impact Your Rate

Many people think that their credit score does not play a role in determining their insurance cost but it does play a factor. In fact, many insurance companies use this as a way to determine your ability to pay the insurance premium and the lower your credit score, the higher your cost tends to be.

Your Rates Will Increase With Age

As people get older, many people think that rates increase because the individuals may have poorer vision and lower reflexes. However, many people actually see their rates go down because insurance companies see them as more mature drivers than younger individuals.

If you Don’t Report An Accident, Your Rates Will Stay The Same

It is common to try to avoid a rate increase after an accident but if you were involved in an accident with another person, their insurance will report it to yours anyway. Also, as soon as you get a ticket, that will go on your driving record and you will not be able to hide it from your insurance.

If you are looking for a great auto insurance policy, look no further than Integra Insurance Services serving Huntington, TX. They can help you take a look at your options and find the perfect auto insurance policy to meet your needs and budget.