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.

Texas climate and your home

Huntington, TX has to be one of the most beautiful places in Texas, which makes it one of the most beautiful places in the world. However, the price you pay for owning a home here is some pretty severe natural damage to your house. Integra Insurance Services can help you out when it comes to storms and fires and so on, but the normal day-to-day wear and tear on a home is generally the owner’s responsibility.

The main thing to look out for is simply the Huntington TX heat. Heat alone can really do a number on your Texas home. Heat causes the material that your home is comprised of to expand, it can wear through roof tiles very quickly, and it can shorten your A/C’s lifespan.

The way heat hits your home starts on the roof. Heat rises, but if it’s not allowed to escape, it will find its way back down. So when the sun beats down on your roof and heats up your attic, it’s going to start collecting in there and finding its way through the rest of your home.

The best way to address this heat is to make sure that your attic is well-ventilated. A couple of attic fans won’t cost you much in electricity, but they’ll save you a small fortune in air conditioning and repairs.

Integra Insurance Services has you covered should something go wrong all of a sudden, but if you want your home to look like it does today ten years from now, you have to stay on the ball when it comes to how the climate affects the building. Beating the heat is the first step in doing that.

What Is Classified as an Antique Car for Auto Insurance Coverage?

At Integra Insurance Services, we know how valuable your vehicle is both to you and to the open market. If you own an antique vehicle, you need a special type of auto insurance plan for it. It’s always an important decision to have the right type of coverage for the specific type of vehicle you have. We also can help you to have a policy that meets your specific needs in terms of how you use your car. With the help of our team, we can help you have an auto insurance plan that’s competitively priced, too.

What Is an Antique Car?

The big question many people ask is what type of auto insurance policy is right for their older vehicle. The answer isn’t always simple. To be considered a classic vehicle, your car must be at least 15 years old. However, if your car is over 25 years old, then it is typically classified as an antique vehicle. If your vehicle meets these requirements, talk to our team about potentially saving on your auto insurance through a customized policy.

However, other factors play a role in what you will pay and the auto insurance you need. If you do not drive your vehicle, you may need less coverage than someone that drives it every day. At the same time, the policy should reflect the vehicle’s actual worth based on appraisals. That’s important for our agents to help you with.

Contact Us for a Quote

Integra Insurance Services provides auto insurance for Huntington, TX residents and those in the surrounding area. If you need classic or antique vehicle coverage or other auto insurance, let our team know. We’re happy to help you to get into a plan that meets your needs.

 

How To Get the Best Deal on Home Insurance

Home insurance is a necessary expense for any homeowner. You are legally obligated to have it, but it is a good idea regardless. It is what protects your home in the event of a natural disaster, robbery, fire, or flood. Of course, you don’t want to pay too much for your insurance, so here are a few tips to help you get the best deal. 

Bundle It – If possible, purchase your homeowner’s insurance from the same company that provides your auto insurance. You are more likely to get a solid discount if you purchase them both from the same company. Be sure that the coverage provides everything you need, and they are taking anything out with the discount. Also, be sure that the bundle price is less than buying them separately. 

Get a Quality Home Security System – A security system is a good idea for a couple of reasons. First, it makes you and your family safer. A security system can also help you get a discount on your home insurance. The risk of insuring a secure home is lower. Therefore the cost of insuring it is reduced. It’s as simple as that. 

Higher Deductible – Consider raising your deductible, the out of pocket cost to the homeowner during a claim. A lower deductible is built into the monthly premium of the insured home. This cost can add up over time to give you some steep savings, especially if you never have to make a claim. 

Huntington, TX agents at Integra Insurance Services is a provider of home insurance in the Huntington, Texas area. They will be able to provide you with an insurance quote. Contact them today if you are buying a new home and need insurance or are shopping for a new company. 

3 Things to Know Before Buying Auto Insurance in Texas

Technology has made it easier for drivers to connect with different auto insurance companies. Gone are the days of picking up a phone book to look for an agent that matches your needs. Companies like Integra Insurance Services represent drivers in and around Huntington, TX. Before picking out a policy, there are a few things to consider.

Ask Questions

Make sure you are prepared when you talk to an insurance agent. Your agent will be more than happy to address any questions you may have. Consider questions regarding your particular vehicle For example, should you find additional insurance if you have a larger vehicle? How will the history of your automobile affect your premium? Knowing what to ask ahead of time can save you time and money, especially when looking for auto insurance for the Huntington TX area. 

Medical Payments 

You will also want to consider what medical services will be covered in case you have to file a claim with Integra Insurance Services or any other company. In the state of Texas, coverage for medical services usually includes funeral and medical bills. It may also apply to passengers in your car or anyone injured in the accident. Talking to an insurance representative about these payments is important before you decide on your policy. 

Driving History

Another factor that will impact the cost of your auto insurance is your driving history. Every driver has a driving record that’s filed with the state. If you have collisions or tickets, this may cause a rise in your premium as the insurance company might see you as a risk. 

Consider these factors before deciding on a policy that’s right for you. 

 

 

When to Consider a New Auto Insurance Policy

If you’re like many people in Huntington, TX, your insurance policy probably doesn’t cross your mind. However, neglecting your needs will only come back to haunt you if you give it enough time. The time to find out more about your policy is not when a huge storm is coming or after you hear the break of your car window. Find out more about when to consider getting more coverage.

When You Buy a New Car 

Integra Insurance Services knows that even a new car doesn’t necessarily persuade people to switch coverage, unless they’re required to do so by the company that’s financing the vehicle. It’s often just easier to roll over your current policy then to consider adding more coverage. You may need more though — especially if the new car is more expensive or you plan to drive it more.

When You Decide to Use Your Car for Commercial Purposes 

If you start using your car more for business, then you’ll need to consider adding different coverage. This is not only good for company funds, but also for taxes as well. 

When You Have Liability Only 

Having liability only is not recommended for the majority of drivers in Huntington, TX, and it can be necessary to get better coverage so you can keep your funds intact and your life in order. 

When You’re Not Sure About Your Policy 

If you don’t know what your policy covers, then it’s the perfect time to consider getting new insurance. Unfortunately, most people aren’t sure of what they’ll get financial help for, which puts them in a position of panic at the worst times. Integra Insurance Services can change that. If you have questions about your policy, then give us a call today for more information. 

Household Maintenance “To Do” Items in Preparation for Spring

You have weathered the winter, and now it is time to enjoy the approach of springtime weather and cheer. As you get ready, remember to do some key home maintenance tasks. With that in mind, here is a "to do" list for your reference, courtesy of Integra Insurance Services serving Huntington, TX.

Wind down winter

As winter winds down, make sure you help your home wind down too. If you have a fireplace, get it professionally cleaned and inspected. Also have an inspection done of your heating system and make sure it does not need any routine maintenance.

Indoor "to do" items

After being closed up for the winter, it is time to bring some fresh air into your house. Open as many doors and windows as possible to air out and provide circulation throughout. While you do that, also complete some thorough cleaning, including vacuuming, dusting, cleaning bathrooms, and wiping down all surfaces and floors. Also complete professional maintenance of appliances and equipment you will use during summer, such as air conditioning systems.

Outdoor tasks

The outside of your home and yard need some tender loving care as spring approaches. Sweep all walkways, complete yard work, and inspect the entire house exterior and yard. If you have a swimming pool or other specialized equipment, line up professionals to do maintenance on that.

There are many home maintenance tasks to do in preparation for spring. It can get overwhelming, so split up the work into smaller tasks that you do over a series of days or weekends. Before you know it, you will be ready to enjoy the upcoming seasons. If you need more tips about how to protect and preserve your home investment, please contact Integra Insurance Services serving Huntington, TX.