Why Do I Need the Protection of a Homeowners Insurance Policy?

Your home is a major investment.  Homeowners insurance protects that investment should events occur that damage or destroy the home or the owner’s personal property.  Typically, homeowners policies that are purchased in Texas cover damages to the house.  They will also cover personal property and other structures, such as sheds or fences, that are located on the property.   Should your home become inhabitable due to damage, the policy will cover the additional living expenses such as hotels and food that will be incurred.  Homeowners policies also protect the homeowner from personal liability in the event the are responsible for someone’s injury on their property.  In some cases, the policy will also cover any medical expenses related to an injury on the property. 

There are two primary types of homeowners insurance policies available in Texas:  all risk and named perils.  All risk policies, also called comprehensive coverage, cover all risks unless specifically stated.  Named perils policies provide coverage only for specifically defined threats.  The policy will outline whether is provides for replacement cost or actual cash value.  The replacement cost is the cost to rebuild or repair the home if it is damaged or destroyed.  This figure will be based on current construction costs and does not include the land’s value.  Actual cash value represents the cost to rebuild or repair the home less the depreciation due to age.  Homeowners should talk with their agent to determine the most appropriate type and level of coverage for their individual situation. 

The agents at Integra Insurance Services serve homeowners in the Huntington, TX area.  They are able to discuss the available homeowners insurance options.  Contact them at 800-655-2159 to protect your home today!

Full Coverage or State Minimum?

Do you know if you want full coverage or just the minimum required by your state when it comes to auto insurance?  People use the term full coverage pretty loosely.  That being said, do you have a complete understanding of what full coverage actually means?  It might not be exactly what you think.

Full coverage isn’t actually a certain type of coverage that is offered to customers by insurance carriers.  There is no full coverage box for your agent to check on your policy.  This is a term that has evolved when it comes to the industry of insurance but there isn’t a set of rules for carriers to follow for it and as such, it can be interpreted in a variety of ways.

Basic Full Coverage

Every state in the US has laws regarding auto insurance.  The core of it is that you must have at least some.  The requirements as to how much and what type will vary from state to state. Typically, though, most states will require liability for property damage and personal injury.

Full coverage insurance will typically enhance that coverage by adding comprehensive coverage to it.  This can be used to cover things that can occur with your vehicle that don’t necessarily involve a collision. Most of the time, you cannot have what is deemed to be full coverage without this type of coverage.

If you are in the Huntington, TX area and have questions about auto insurance, call or come by Integra Insurance Services today.  We are staffed with friendly and knowledgeable agents who can help you gain a better understanding of the types of coverages that are required in Texas as well as what types of coverage you will need beyond that.  They are ready and waiting to help you as soon as you contact them.

5 Ways Commercial Insurance Can Keep Your Business Alive

Your business should be able to handle whatever may come its way, but unfortunately many owners don’t realize that they may be going the repair process alone if certain events occur. Depending on your plan, you may face more difficulty than you could have potentially imagined if you haven’t purchased the right policy. Here are 5 ways commercial insurance can keep your business alive. 

1. Setting You Up 

Along with the major scenarios, buying comprehensive coverage sets you up for success. You won’t have to check the weather in fear every morning if you aren’t covered for specific phenomena. 

2. Serving Your Customers 

Your customers will certainly understand if your business befalls an unfortunate event outside your control, but they may not understand if you have to be out for months due to it. Commercial insurance gives you the means to put everything right quickly. 

3. Focusing You on What’s Important 

Commercial insurance means you keep track of your equipment and inventory, and can ensure you don’t make an investment that ends up going to waste. 

4. Saving You Money At the Right Time

If you do need to make a claim, that’s the worst time to see your money start to fly out the door. It’s not just financially hard, but emotionally hard to bear that burden. Having a partner to call means you’ll have more motivation to do what needs to be done to get your business running again. 

5. Giving You Piece of Mind 

Being prepared gives you confidence, which is definitely needed to keep a business alive. Integra Insurance Services serves Huntington, TX, so you can get the policy that best meets your needs. Give us a call today for more information or for a quote. 

 

Bringing Your Boat Out Of Winter Storage

It’s been pretty cold, and your boat has been in winter storage for months. With spring here, the temptation to just pull it out and take off the cover is strong.

Unfortunately, there’s more to bringing your boat out of winter storage than that. There are a few things you need to do before taking to the water.

First of all, check the electrics. Make sure any batteries are charged fully. Clean and tighten all of your electrical connections and protect your battery terminals with grease or spray. Make sure that electrical systems start up. Bear in mind that rechargeable batteries are most likely to fail after a period of non-use. Check internal lights, running lights, GPS systems and, of course, the bilge pump if you have one.

Then, check the engine. You should check oil and coolant levels, power steering fluid and transmission oil. Look for fluid leaks in the bilge area, and inspect all fuel lines. Check fuel and air filters.  If you are a sail type, inspect all swage fittings, rigging, and run a rag over stays and shrouds – this will help you find fishhooks which indicate wire wear. Run a hose over chain plates to check for leaks, recaulk if necessary.

Water systems should be checked. If you put antifreeze in the fresh water tank, make sure you flush it out completely before connecting the pump, or toxic antifreeze may end up in your drinking water. Make sure the raw-water intake strainer is clean, fits correctly, and undamaged.

Finally, be sure to check all of your safety gear including flares, fire extinguishers, life jackets, etc. And, of course, make sure your marine insurance is up to date and sufficient for your needs. Contact Integra Insurance Services for a quote today.

 

Life in the Fast Lane: Knowing How to Avoid a Fender Bender

There’s no denying that life itself would be much different if there was no form of vehicular transportation. It is thanks to cars and trucks and SUVs that we are able to get our kids to and from school as well as ourselves to and from work. We also use vehicular transportation to travel back and forth from activities we enjoy. No matter your reason for traveling, please keep in mind that road rage and fender benders can greatly hinder your ability to make it your destination safely. In fact, here are a few tips you should follow to make sure you get to and from your destinations in the safest manner possible. 

Turn up the music

When is the last time you heard someone tell you to turn up the music in order to avoid a fender bender? It’s probably been a while, but still yet, it’s imperative that you know that listening to the right type of music can help you avoid road rage and stay in a good mood. In turn, this results in a less of a chance that you will avoid a fender bender. 

Always buckle up

Did you know that when you buckle up it helps you feel like a safer driver? And when you do this, you are more likely to abide by safe driving practices? So, next time you hop behind the wheel of a car, make sure to buckle up and also make sure that everyone else is buckled up safely. 

To stay safe and avoid fender benders, make sure to contact a reputable agent working at Integra Insurance Services today. 

 

Why You Need Home Insurance

Like most types of insurance, home insurance is a widely misunderstood type of insurance. Many people think that all types of homeowner’s insurance are created equal, but that’s simply false. The best way to determine the value of your home insurance is to understand why you need the policy in the first place.

Home Insurance Helps You Cover Repairs from Weather-Related Damage

In Texas, you can experience severe weather, including hurricanes, that damage your home. From siding replacement to repairs resulting from a fallen tree, the costs of repairing your home can add up quickly. Fortunately, Integra Insurance Services’ home insurance helps you cover some of the costs, preventing you from breaking the bank when it comes to repairing or rebuilding your home.

Home Insurance Protects Your Family’s Lifestyle

Without home insurance, it’s likely you don’t have the means to immediately provide your family a place to stay. In fact, with most people have small savings, many families would be hard-pressed to make small repairs on their home. At Integra Insurance Services, we arm you with the ability to start rebuilding or repairing your home immediately. As a result of this, your family is able to maintain the same standard of living that they’ve grown accustomed to over the years.

Home Insurance Helps You Financially Following a Pet Bite

Most families have furry family members. Pets are great for families. However, dogs and other pets are a liability. They can bite your guests or neighbors. If this happens, you will likely be responsible for their medical bills and more. With homeowner’s insurance, you don’t have to worry about the financial aspect of a pet bit. We help you cover the costs after your deductible.

At Integra Insurance Services, our home insurance gives you peace of mind when it comes to your home. If you don’t have home insurance allow us to give you a quote.

Recycling Household Items

Living green is becoming the goal of people around the globe.  People have embraced reusing some of the more common household items because they realize that recycling in Huntington, TX isn’t quite as difficult as they thought.  There are an endless amount of creative ideas to reuse and recycle items.  Here is a quick look at some of them.

  • Empty egg cartons – sure, you can toss these into the recycling bin, but they can also be reused.  One cool thing to do is to fill each cup with cookie dough, meatballs or even individual servings of any other type of food items in order to keep them from turning into a frozen solid mass.  You can also start spring seedlings in an old egg carton before planting the seedlings outside.  You might also use them as molds for jello.
  • Mismatched socks – Mismatched and/or old socks are very easy to reuse.  You can use them as a way to keep a child’s smaller toys organized.  You can also use them as dust rags or to polish silver.  What other uses can you think of?
  • Paper towel roll tubes – Stuff your plastic bags inside one to keep them organized and out of the way.  Use it to control annoying extension cords by wrapping the cords around one.  Organize your daughter’s hair bows, clips and ties.  And of course, there is the ever famous do-to-do horn for kids.
  • Corks – olive oil and wine corks can be reused as multiple things.  You can make a floating keychain for when you are participating in water activities.  You can also save them until you have enough to make a corkboard from them.  

When you begin thinking about recycling things, you might also want to take a look at your homeowner’s policy and make sure that you are covered for every eventuality.  Review your current policy or start a new one with Integra Insurance Services.

Premium Vs Regular Gas: How to Save Money in the Long-Run

We know that a few cents at the pump can make a big difference to your wallet. Most of the time the smart choice at the gas pump is the cheaper regular option. But there are times when choosing the more expensive premium gas can save you in the long run. Let’s take a look at those instances where a few extra cents at the pump can save you thousands of dollars in the long-run.

High Compression Engines

High compression engines are usually associated with high-performance vehicles. These high compression engines need premium fuels that can handle the higher compression levels in the engine. Without premium fuel these engines will start to knock. Overtime severe engine knocking can punch holes clean through your cylinder head or piston and can even rupture the combustion chamber. These catastrophic engine failures can mean thousands of dollars for a brand new engine.

Direct Injection Engines

A lot of fuel-efficient cars that don’t sacrifice performance standards use direct injection engines. However these engines are prone to carbon buildups that can lead to engine knocking and severely reduced performance. Lower-grade regular gas is known to create more carbon buildup than premium gas in direct injection engines. Cleaning the carbon buildup can cost you hundreds of dollars at your mechanic’s shop.

If your vehicle has a high compression or direct injection engine, then the it’s worth the few extra cents for premium gas.

Similarly, depending on your car you it might be worth paying a little extra for more auto insurance coverage. Here at Integra Insurance Services of Huntington, Texas we can help you decide what type of auto insurance coverage is right for you and your vehicle.

Tips to Help Avoid Fender Bender Fraud

One of the most unfortunate aspects of the driving world, unfortunately, accidents happen. Indeed, no matter how good of a driver one may be, the unpredictability of the road can shatter your driving record, and possibly, even your vehicle, in an instant. Are you concerned about encountering fender bender fraud? Use the following tips to help you minimize your risk level. 

3. Speak to the Witnesses 

Did anyone witness the accident? If so, you will definitely want to get their contact information while you’re on the scene. Just in case there is any discrepancy later, you will have the advantage of having an eyewitness validate your story. 

2. Never Leave the Scene

Next, be sure to stay on the scene until the police arrive. While leaving the scene may be tempting in the case where there is no apparent damage, by not calling the police and having the accident documented, it will be your word against the other driver’s if you discover damages at a later time. 

1. Always Tell the Truth

Lastly, be sure to tell the whole truth and nothing but the truth. One of the main ways judges and law enforcement officials decide which person is telling the truth is by the general consistency of your story. The truth does not change. However, lies typically do, many times. Just don’t do it!

Overall, the best way to ensure your car is protected is by purchasing the proper insurance coverage. For instance, Integra Insurance Services provides service to the Huntington, Texas area. No matter what type of vehicle you own or coverage you may be seeking, contact them today and escape the antics those dishonest drivers indefinitely.  

Save Money At The Pump With These Gas Saving Tips

Everyone wants to save money on gas but not everything thinks about ways to make each tank of gas go further. Since gas prices fluctuate very often, it is best to incorporate some daily practices so that you can get the most out of your money when filling up at the pump. Follow these tips to save money and gas while driving. 

  1. Get a new car. If you are driving a car that is more than 10 years old, it is time to upgrade. This isn’t because a newer care is nicer, although that is a plus. This is because newer cars are more fuel efficient so you can get more mileage out of each gallon. You would not be doing yourself a favor financially to get a new car every year but upgrading your vehicle every few years is good practice for getting fuel efficiency. 
  2. Drive with more care. If you like to drive fast and accelerate quickly, you are also burning up your gas quickly. This way of driving can use up to 33 percent more gas on the highway and 5 percent more gas in the city. Slow it down some and take more time while driving and you will be amazed at the amount of gas you save!
  3. Clean out your car. Every bit of excess weight you drive around causes you to use more gas. Save some gas easily by taking out unnecessary items from your vehicle and your trunk. Even doing this a little bit will help with fuel efficiency.

Even if you are saving more money on gas, make sure that you are not spending too much on auto insurance. Contact Integra Insurance Services serving Huntington, TX for a quote and to see if you can save some more money.