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.

3 Reasons You Should Purchase a Home Insurance Policy Today

It’s no secret, owning a home is a huge responsibility. Not only are you tasked with finding a good location as well as size for your home, but you must also be sure to purchase a quality home insurance policy as well. That said, if you live in Huntington, TX the following is a closer look at three reasons you should purchase a home insurance policy today! 

Lawsuit Protection

First and foremost, purchasing a home insurance policy can protect you from highly costly lawsuits. Without coverage, if someone injures themselves on your property you may be on the hook for thousands or even millions. However, by purchasing a quality home insurance policy, you will be protected in case of an unfortunate accident. 

Natural Disaster Protection

In addition to that, natural disaster protection is also an important feature to any home insurance policy. Especially for those who live in Huntington, TX, being that this area is no stranger to natural disasters, ensuring that your home has coverage us of the utmost importance. 

Possession Protection

In addition to that, home insurance policies help to protect your possessions. In addition to natural disasters, burglaries, thefts, fires, and many other issues can cause serious damage to your things. That said, by purchasing a home insurance policy, you are ensuring that you are able to replace your belongings in the event of a worst-case scenario.

Overall, if you are looking for quality home insurance coverage in the state of Texas, Integra Insurance Services is here to serve you! Simply call in, email, or stop by to speak to our highly qualified independent representatives and find out how to begin your policy today and save. Don’t delay, contact Integra Insurance Services today!

Mid-Winter Vehicle Inspection

Do you want to make your vehicle last a lot longer? Then add a Mid-Winter Vehicle Inspection to your list of to-dos and make sure you power wash the undercarriage to remove any grime and especially road salt from the bottom of the vehicle. 

Winters in Texas are sometimes a bit severe. The good folks at Integra Insurance Services in Huntington TX know this too. We live here in the same community and we go through the same things as you do. What we LOVE to do is to make sure our clients are well protected and that we give them tips to help them avoid troubles in their lives.

This is why we recommend a mid-winter inspection. This is a good time to make sure your vehicle is maintained properly in order to avoid damage from winter weather.

Here are some things to check.

  • Are you using the correct oil viscosity? Viscosity is the thickness of the oil and how easily it flows. In the winter time, the oil gets thicker naturally by the colder temperature, so you need to change the type of oil grade that you use to make sure the oil can flow through the engine properly. Notice we said the type of oil grade and not the brand. It is better to stay with a particular brand when changing oil. If you use synthetic oil for example, do not attempt to replace it with regular oil. That can cause a disaster. If you like a particular brand, simply choose the correct viscosity for winter weather.
  • The viscosity ratings are two numbers and they might be 10/40. This means the viscosity for this brand is 10 in the wintertime and 40 in the summer time
  • Change the oil filter, air filter, and the gas filter.
  • Check and change spark plugs if needed.

Besides doing a mid-winter vehicle inspection, be sure to consult with your agent at Integra Insurance Services in Huntington, TX to make sure your auto insurance coverage is adequate.

3 Reasons You Should Shop For A New Home Insurance Policy

Shopping for homeowners insurance can be an overwhelming task. It was stressful enough to find an affordable plan when you purchased your home. In fact, there were a ton of details to focus on when you purchased your home. You might not have had the time that you would have wanted to really shop around and compare insurance policies during that process.

It’s tempting to just let your current plan renew year over year and not think about it. But, you could be overpaying or possibly have outgrown your current plan. Whether you have made improvements to your home or experienced any number of other changes, your current plan might not be best suited for you now. It’s necessary to evaluate your current insurance needs now that you have been in your current home for some time.

Looking for a replacement insurance plan for current homeowners in the Huntington, TX area doesn’t have to be overwhelming. In fact, Integra Insurance Services knows how to make changing your insurance a smooth transition. Your home is a special place and should have a solid insurance plan protecting yourself and your family from anything that might come your way.

It would be ideal to have a local expert to assist you in your search and Integra can do just that. There could be a number of factors that are specific to your area that only a local agency would know the most about. You want someone who knows the specific demands of your area to align you with the best insurance plan. In Huntington, TX, Integra Insurance Services has the experience required to help you transition into the best insurance plan for your specific needs.

How Are Auto Insurance Rates Determined?

Shopping for auto insurance in Huntington, TX can be a challenge. There are so many companies and it seems as though they all have different rates. How do you determine who has the best rate and the best coverage? It starts with knowing how the insurance rates are determined and calling Integra Insurance Services. 

Your Car

The car you drive will determine some of what the insurance companies charge for coverage. For example, a sedan will be cheaper to insure than a convertible because of the likelihood of damage and personal injury. The VIN number is requested when you get rates. It allows the insurance company to look at what safety features are present. The more features there are, the more it shows that your car is able to keep you safe. In turn, you are often rewarded with more affordable insurance rates.

Driving History

Your driving history is critical. If you have had a lot of accidents in the past, it sets a precedent. You could be identified as a high-risk driver and therefore rates will be higher. Similarly, if you are a safe driver with no prior accidents, it can help you get lower rates.

Other Factors

A variety of other factors can be used to determine insurance rates in Huntington, TX as well. For example, insurance companies want to know your zip code. This is to determine where you live and look at just how safe the area is. If there are a lot of accidents or car break-ins, it could end up costing you more for coverage.

Discounts may be available from some insurance companies as well. When you work with an independent agent, you can learn more about what’s available. If you’re a homeowner or you have multiple cars to insure, it may save you money.

You don’t have to go through the process of finding insurance on your own. Contact your Integra Insurance Services agent today and let us help you find quotes.

 

 

How to Prepare Your Furnace for Winter

Although the temperature in Huntington, TX has been relatively warm so far this season, cool weather will eventually arrive.  At some point, it will be time to turn the heater on. However, if you simply switch it on at the first sign of cold weather, you may be doing  your home more harm than good. By following a few simple steps before you heat your home, your furnace will remain in good shape and your home will be warm and cozy all winter long.

Step 1: Change Out the Air Filter

Air filters should be changed regularly throughout the year.  Changing out the air filter improves the air quality and your furnace does not have to work as hard.

Step 2: Clean Both the Furnace and Chimney

Clean your furnace by wiping dust and debris that has settled on it. While cleaning it, examine it for signs of rust.  To clean out the chimney, remove debris and soot buildup and make sure there are no birds’ nests inside. 

Step 3: Make Sure the Thermostat is Working Properly

In the fall, before temperatures drop, turn up the furnace to high heat to ensure the thermostat works properly.  Make sure to do this early on so that if there is a problem, you have time to correct it before it gets too cold.

Step 4:  Check That None of the Heating Vents are Blocked

Vents that are covered or blocked can’t warm the home.  Plus, they can cause your furnace to overheat and even increase heating bills. So make sure no furniture or other items are covering them up.

Cold weather will find its way to Huntington, TX eventually. When it does, your home will be comfortable all winter long by following these simple steps. Contact Integra Insurance Services to learn more about homeowners insurance in Texas.

What Happens When You Are In An Accident With Someone Without Auto Insurance?

Even if you have the legally required amount of auto insurance in Texas, there is no guarantee that you will not get into an accident with someone who does not. Accidents happen but if you are in one with an uninsured or underinsured driver who is at fault, you may be covered with certain policies and you do have options. These tips from Integra Insurance Services serving Huntington, TX to better protect yourself before an accident. 

Collision Insurance May Pay for Repairs

Collision coverage is something you can add to your existing auto policy. It will pay for the repairs to your vehicle if you are hit by someone without insurance. It will only apply to the repairs and not any injury, though. 

Consider Uninsured and Underinsured Motorist Coverage

Uninsured motorist insurance is an addition to your auto policy that can help pay for damages in an accident with another driver at fault and no insurance. The coverage can only be as much as your liability coverage in the policy. Underinsured motorist insurance can help pay for damages, injuries, and more if you are in an accident with someone who does have insurance but not enough to pay for your damages and injuries. Both policies are only able to be used when the other driver is found to be at fault.

File a Lawsuit

If you have already been in an accident with someone who does not have insurance or enough insurance and you do not have these types of coverage, there is still something you can do. You can file a lawsuit against them and get a judgment. One thing to keep in mind is that you may not ever get any money from the other driver but you can try with this method. 

Integra Insurance Services serving Huntington, TX, is here to help you in these types of situations as well as ensure you are properly insured. 

Home-Insurance: Confusing Terms

Anyone with a home in Huntington, TX knows that home insurance is a must for protecting the property against catastrophic loss. Unfortunately, home insurance premiums can vary wildly, surprising homeowners everywhere. What are some of the factors that home insurance companies consider when calculating the rate?

First, many people don’t realize that pets can impact a home insurance rate. While dogs are a man’s best friend, insurance companies don’t look kindly on all dog breeds. Some dog breeds, such as Dobermans and Rottweilers, are aggressive dog breeds by nature. This leads to an increased chance that these dogs will potentially bite a family member of neighbor. This can lead to insurance claims that the company needs to pay out. To leverage this risk, home insurance companies will increase premiums.

Next, the potential for fire damage plays a major role when insurance companies decide premiums. If a home is close to a fire station, the owner will be rewarded with a lower premium. Furthermore, if a fire hydrant is nearby, this could also lead to a lower home insurance rate. This is because fire damage can lead to an insurance company paying substantial financial claims to replace lost or damaged property. If a fire station or fire hydrant is close to the property, the fire will be handled sooner and result in a lower financial cost to the owner and the insurance company.

Finally, home maintenance costs are a major factor in home insurance costs. Out of date water heaters, pipes that drip, inadequate water seals, and leaking roofs are all aspects that insurance companies frown upon. This is because poor maintenance can lead to major home damage that can cause insurance companies to pay out substantial claims. Keep homes in good repair to minimize home insurance premiums.

There are common factors that insurance companies in Huntington, TX take into account when deciding on home insurance premiums. Rely on the tips above to keep home insurance costs to a minimum.

 

 

Your Huntington, TX auto insurance agent can give you great policy advice

When you get an insurance policy, there is more to the issue than just picking one from the first Huntington, TX company you talk to. You may not even want to pick the policy that is least expensive. Instead, you can talk with independent agents like the ones at Integra Insurance Services, so you can find what works for your budget and your auto insurance needs. You want to protect your car, truck, or SUV, but you also want to make sure you’re paying a fair price and that you’ll have good coverage if something goes wrong or you get into an accident.

Choosing to work with an independent agent means seeing quotes from several companies. That could mean insurance that is a lot cheaper, and that still provides you with the level of coverage you really want. That way you won’t have to spend too much in order to be financially protected when you’re behind the wheel, or when your car is unattended and at risk for things like theft and vandalism. There are plenty of companies that service the Huntington, TX area, and your insurance agent can give you good advice about which of their policies may be right for you.

Getting a policy through Integra Insurance Services means you will get plenty of information from your agent. That can include pricing, but also the types of coverage offered to you and what they mean for your financial protection. You may want only the state minimum coverage, but if you have a newer car that is more expensive it may be better to have more coverage. It could also be required if you finance or lease your vehicle. With the right agent on your side, you’ll feel confident that you got good advice and chose the right policy for your auto insurance needs.