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.

 

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.

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.

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. 

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!

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 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.

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.

 

 

Taking Care of the Great Outdoors – Fall Maintenance for Your Outdoor Spaces

A Fresh Look At Your Outdoor Space

With the changing of the season’s it is a perfect time to reimagine your outdoor space and make it everything you want it to be. the professional employees of Integra Insurance Services recognize that your home is important to you  as well as your outdoor spaces. Here is a short list of different things you can do to make your outdoor space a beautiful and safe one.

Do It Big!

If Texas is known for doing everything big we want Huntington, TX to be known for doing everything big and doing everything right.

In Huntington, TX we have the luxury of leaving all of our outdoor furniture out for the colder seasons. As long as you secure items that tend to move with a strong wind, you are rest assured to enjoy the space year around.

  • decorate with earth colors,
  • add a different set of throw pillows to patio furniture.
  • set up a low-cost, do-it-yourself scarecrow to make the season cozy while adding the right amount of warmth.
  • a firepit is just the thing for those colder days. Making one is easy and tutorials abound on the internet. If you have a couple of hours you can be enjoying your firepit in time for the weekend.
  • make certain all debris and leaves are cleaned regularly and lawns are maintained. This is the best way to be picture perfect ready for Spring and to enjoy your outdoor space safely without the threat of  a slip and fall.

An integral part of enjoying your home is having peace of mind. Let Integra Insurance Services help you handle the responsibility of all of your insurance needs, Contact us today to schedule an appointment.