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.

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. 

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.

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.

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.

Is It Ever Safe To Drive Without Insurance?

So your insurance has lapped or you can’t afford it this month or maybe it’s a new car and you’ll get around to insuring it when you’re up to the task, and you’re wondering: Is it ever safe to drive without insurance?

If you’re talking about getting around town in an uninsured vehicle, then no, it’s never safe to drive without insurance. If you’re driving on your own property, if you’re taking a car for a test drive around a parking lot before you buy, then maybe you don’t need to worry about insurance too much, but if you’re using your car as, well, a car, if you’re getting to and from work in it, picking up groceries, getting out on the highway, then there are simply too many risks.

You can take those risks into your own hands if you like. We’d advise against it, but maybe you can get away with driving uninsured. Maybe you’re a tremendously talented driver and you’ll never be found at fault in any accident ever. Maybe all the other drivers where you live are just as talented, and they’ll never come out of nowhere and t-bone you. Maybe the police in your town are friendly and helpful and they’ll never pull you over at a random checkpoint, and when they stop you to tell you you have a tail light out, they won’t even ask to see your proof of insurance. Maybe nobody will ever vandalize your car.

But… that’s a whole lot of maybes to rely on just because you didn’t feel like giving Integra Insurance Services a call, isn’t it?

Preparing Your Home for Fall

According to the calendar, fall has officially arrived.  Whether or not that means much in East Texas is debatable.  We may experience another month or two of warm weather, or get hit with a “cold” front soon.  The one thing we do know here at Integra Insurance Services of Huntington, TX is that is no matter how unpredictable the weather might be, it is always a good idea to be prepared.  Is your home ready for fall?  If not, here are some tips to help you prepare.

Clear Debris from Roofs and Gutters

Roofs and gutters tend to collect leaves, branches, and other debris.  Clear these items out regularly throughout the fall. Debris can build up and clog gutters and drains causing drainage and water issues if left unattended.

Tackle Large Outdoor Projects

Does your garage need cleaning out or flowerbeds cleared?  Yes, Texas can be unpredictable, but it is likely that we will have  pleasant weather ahead.  And while this is a great time to enjoy outdoor activities, it is also a good time to tackle a project that it was too hot to do over the summer.

Fire and Safety Checks

Is your fireplace clean and ready for a fire?  Are your smoke detectors working?  Or should you be concerned about the levels of carbon monoxide from your furnace?  Now is the time to prepare for when it does begin to get cold.

Seasonal preparation is just one of the ways to keep your home in shape throughout the year.  At Integra Insurance Services of Huntington, TX, we believe that preventative measures help to ensure your home is protected.  The right home insurance plan also protects your investment.  Contact us today to learn more about the home insurance plans we offer.

The Key To Protecting Your Business is Commercial Insurance

As a small business owner, you know that everything you do has a monetary value: from the time you spend talking to customers and clients, from turning your office lights on and off. One of the important things to fully understand when owning a business is risk management. This is where a solid commercial insurance package can help you out.

Risk happens every time you open your front doors in your business. A customer could slip and fall on your premises. A fire could break out in your break room. Accidents can and do happened. The time you spend having to deal with these kinds of issues is the time you are not making money for your company.

Commercial insurance has several different levels of coverage depending on what you need for your particular type of business. Coverage that a storefront business would need is much different than what an office-based business needs. If you run a home-based business, but use a company vehicle, you will need different coverage than if you ran a restaurant.

No matter what kind of insurance needs you have, insurance coverage is designed to protect you and your assets in times of trouble. 

Contact your local Integra Insurance Services agent today if you are a small business owner. They can help you understand the different types of policies and options available for your business. They can give you quotes and help you figure out what kind of policy will fit your budget. 

Integra Insurance Services is just an email or phone call away. You can contact them toll-free at 1-800-655-2159 and get the most up to date information on commercial insurance at competitive rates.