How to Get the Best out of Your Home Insurance Policy

Whether it’s shopping, healthcare, education, or insurance, when you pay money, you expect value for it. And now that you pay your home insurance every year, how can you get the best out of your home insurance plan? Harnessing the power of your homeowner’s insurance policy ensures that it’s worth every penny. Besides, it helps you steer clear of surprises when filing a claim.

Ready to get the best out of your home insurance in Huntington, TX? Here is what Integra Insurance Services has to say.

Understand your insurance needs

Before buying or renewing your insurance, understand your risk profile. This way, you will avoid purchasing excess coverages that you don’t need. Plus, it becomes easier when explaining to your insurer the coverages you need in your home insurance policy.

Understand your policy

Your policy document is the bible of your insurance plan. As such, you need to understand every clause. Get to know what’s covered and what risks are excluded from your policy. This gives you clarity in case you need to add endorsements to boost your home insurance plan.

Update your policy regularly

If you buy and keep renewing your home insurance policy without updating it, the chances are that your current insurance needs aren’t taken care of. We advise our clients to review their insurance policy every year, but if the following happens before a year lapses, inform your insurance agent:

• You add a pet that can cause injury, for example, certain breeds of dogs.

• You start a home-based business.

• You undertake significant renovations.

• You include amenities like a swimming pool that can cause injury.

Choose a reliable insurance agent

Picking a partner that you can trust is essential. A knowledgeable and trustworthy agent assesses your insurance needs and advises you on coverages to purchase. They also help you take advantage of the best deals in the market.

Looking for a dependable insurance agent in Huntington, TX? Look no further than Integra Insurance Services for all your home insurance needs.

Required Auto Insurance in Texas

In Texas, the state has its own laws regarding what kind of auto insurance drivers have to have and how much of it. If you own a vehicle in the state, you have to have at least the minimum amounts mandated by the state, though you can add more coverage to your policies than is required. To find out more, call us at Integra Insurance Services in Huntington, TX.

Liability Insurance in Texas

There are three separate amounts of liability insurance that are required in Texas. These include bodily injury liability. There is one amount required for the injuries to one person and another amount for everyone who had injuries from the accident. There is a third minimum amount required for property damage liability. All of these amounts are for liability, so they all pay out to third parties rather than paying for your own bodily injury and damage to your own vehicle. Even if you have the required amount of liability insurance, that may not be enough to pay for a serious accident. It’s generally recommended that you increase these amounts so that you are better covered. 

Additional Auto Insurance Types

While liability is important, it isn’t the only important type of coverage. There is also collision insurance, which pays for the damages that are done to your own vehicle. This is very important for getting auto repairs or for buying a new vehicle to replace a totaled one. With the high cost of vehicles and their repairs, this is smart insurance to have. It’s also a good idea to get insurance that will cover your accident if it was caused by an uninsured or underinsured driver. 

Get Your Auto Coverage

If you own a vehicle, don’t let even one day go by without insuring it. If you need insurance, give us a call now at Integra Insurance Services in Huntington, TX.

What to Consider when Buying Toy Insurance in TX?

There are many things to consider when buying toy or recreational insurance, and if you live in the Huntington TX area, then Integra Insurance Services can assist you.

Huntington is a gateway to Lake Sam Rayburn, which boasts phenomenal fishing and is located near two magnificent National Forests. With this kind of natural beauty, it is only normal that you would consider purchasing additional insurance for your adult toys that may include such things as boats, off-road vehicles, and RVs.

One of the first considerations is the repair or replacement cost of your toy. Adult toys are usually pricey, so you want to know that you have ample coverage if your toy is lost, stolen, or damaged for any reason. Although you are likely in possession of home and auto insurance, it may not be enough to cover your toys adequately, especially if your toy is not kept on your personal property 100% of the time.

Additionally, toys like boats and off-road vehicles often lead to a more relaxed attitude, so no matter how careful you are, the possibility of liability is there. It is always important to be aware of the possibility of liability, particularly if you are sharing toys with friends. Certain toy insurance policies will be able to provide you with liability cover, so it is a good idea to evaluate all your toy insurance options to meet your needs.

A final consideration is the state laws surrounding the insurance of these types of vehicles. Your insurance agent will be able to assist you in navigating this. Do not hesitate! If you want to enjoy your summer worry-free, then contact Integra Insurance Services serving the Huntington, TX area today!

Common Types of Boat Insurance

From undertaking fishing on one of its several lakes to exploring its rivers, boating episodes are massive in Texas. It’s vital to ensure that your boating activities in Huntington, TX are protected with prolific boat insurance from Integra Insurance Services, regardless if you are a seasoned boater or recently bought a boat and are still learning to navigate Huntington, TX waters. You will have stress-free, breathtaking episodes in water without being worried about the safety of yourself, passengers, or your precious investment through contacting our extensive industry expertise at Integra Insurance Services. We will educate you more about boat insurance and begin comparing customized quotes for various coverages.

Is boat insurance mandatory in Texas?

Unlike car insurance, watercraft insurance isn’t legally required in Texas. Nevertheless, if you need to register your watercraft with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to maintain boat insurance until you clear your outstanding arrears. Optional boat insurance coverage includes:

Collision coverage: It caters to repairing or replacing your watercraft if it is physically damaged by colliding with another boater or other stationary objects.

Uninsured or Underinsured boater coverage: Boat liability in Texas is not legally required, and many boaters go in waters without any coverage. This policy is designed to pay for injuries you suffer while boarding your boat after engaging in a crash with another boater who is insufficiently covered or has no liability insurance.

Medical Payments Coverage: It reimburses costs that cater to reasonable medical bills such as x-rays and other hospital prevailing bills if someone gets injured while boarding your boat.

Comprehensive coverage: It pays for repairing or replacing your vessel after physical damage emanating from non-collision incidents in water such as hail, falling objects, and fire. 

Boating is truly a breathtaking and rewarding episode in Huntington, TX regardless of salt or freshwater. Contact us today at Integra Insurance Services and ensure that you acquire formidable boat insurance coverage that protects you and your family.

What You Need To Know About Specialty Property Insurance

Specialty properties have unique insurance needs. If you own a specialty property, the experts at Integra Insurance Services, serving Huntington, TX, can help you find the insurance products you need to keep your property safe and your investment secured. Keep reading to find out more. 

What are Specialty Properties?

Specialty properties are properties that have unique characteristics and therefore require unique insurance coverages. These types of properties can include but are not limited to:

  • Manufactured homes
  • Multi-unit rental properties 
  • Seasonal properties

If you are not sure if your property falls under this category, you should speak with an insurance representative to find out. 

What Does Specialty Property Insurance Cover?

In many cases, a specialty property is used for the purpose of a business or for making a profit. Protecting this property could be vital to your business endeavors. Specialty property insurance can be customized to suit your particular needs. In many cases, specialty property insurance will cover the following areas:

  • Property damage- This type of coverage will kick in if there is damage to your property due to natural disaster, fire, or burglary. 
  • Liability coverage- This type of coverage is essential if someone is injured on your property. If someone is injured on your property, you could be held liable for their medical expenses and other costs. Having sufficient liability insurance in place can protect your assets from these expenses. 

If you would like more information concerning our insurance services and products, please contact us at Integra Insurance Services, serving Huntington, TX. We will be very happy to answer your insurance questions and help you choose the best products for your needs. 

Do I Need Commercial Auto Insurance?

Every country issues a driving license to drivers who show competence. Licensing ensures that drivers are knowledgeable on road safety practices hence minimizes accidents that may cause loss of life. Buying insurance for your vehicle is a worthwhile investment. It gives you an easy time in case an accident occurs. Integra Insurance Services in Huntington, TX, provides its clients with insurance that covers their personal and commercial auto insurance at friendly costs. Here is what to know about your commercial auto insurance.

Personal Versus Commercial Auto Insurance 

The main difference between personal and commercial auto insurance is who owns the car. If your business owns a vehicle, it is mandatory to insure it with commercial auto insurance. Personal auto insurance only covers accidents that may occur while one is using their vehicle on private activities. Its policy entails less coverage making it cheaper than commercial auto insurance.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers accidents that occur when you or your employees are driving a company-owned vehicle. While both personal and commercial auto insurance policies cater for legal and medical costs associated with vehicle accidents, commercial auto insurance covers higher claims, different vehicle types, and more advanced legal matters.

Covering Business Vehicles

Business owners who possess a vehicle used majorly for business are the immediate targets for commercial auto insurance. It has a higher liability limit compared to personal auto insurance. Typically, it covers vehicles used in transportation, carrying clients or employees, towing alongside other services that earn income.

Acquiring a Commercial Auto Insurance Cover

In most states, purchasing car insurance is a federal requirement. Managing, repairing, and potential court sessions are costly and time-consuming. Integra insurance services offer professional insurance covers based on your preference at friendly rates. Visit them today for details on your preferred insurance package if you live around Huntington, TX.

4 Car Insurance Add-ons to Consider

Insuring your vehicle is a worthwhile investment because it lessens your financial burden when accidents happen. However, depending on where you live and your driving style, you need to consider other insurance add-ons to get the best out of your car insurance coverage. While there are numerous add-ons to consider, Integra Insurance Services of Huntington, TX, shares four vital add-ons worth the extra bucks. 

Zero depreciation cover

This add-on is one of the most popular since it cushions policyholders against depreciation when making claims. Without this coverage, you will get your claim amount less the depreciation amount. If you own a car that is less than three years old or a luxury vehicle with expensive spare parts, you need zero depreciation cover to avoid you incurring out-of-pocket expenses when repairing your car.

Roadside assistance coverage

Has your car ever stalled away from home? It can be a frustrating ordeal. Thankfully, if you have roadside assistance coverage, you enjoy the below services when your car breaks down:

  • Gas delivery
  • Towing
  • Puncture repair
  • Battery jumpstarting
  • Other minor repairs

If you drive your car for long distances or your car is prone to breakdowns, it’s vital to consider this coverage.

Engine protect

In a typical accident, comprehensive and collision coverages pay for the damages of your engine up to your coverage limit. Otherwise, where your engine is damaged because of oil leakage and water damage, your typical auto insurance won’t help. Here is where the engine protect coverage comes in handy.

Consumables cover

When you consider this add-on, your insurance takes care of consumables like fluids, nuts, washers, and other consumables in case of damage or loss. While these consumables might appear as of low value, they can quickly stack up for high-end vehicles. 

Are you looking to boost your car insurance coverage with the above add-ons? Please contact Integra Insurance Services. Besides, you can visit our Huntington, TX offices to help you choose add-ons suitable for you. 

How Much Home Insurance Should I Have?

When you invest in a home, for many people it is the largest investment they ever make. Protecting that investment requires having the right home insurance. How much home insurance you should have is determined by several factors. At Integra Insurance Services in Huntington, TX our passion lies in serving and protecting our clients from many things that can affect their financial stability. We aim to create a long-term relationship by giving you the customer service you deserve. 

If you have a mortgage your lender will require you to have liability and building coverage, these may be very minimum requirements.  The sad fact is that 60% of homeowners are underinsured by as much as 20%. 20% may not sound like much but when you think hundreds of thousands of dollars; it is a lot of money. If you file a claim and your limit is too low, you won’t get enough to replace what needs replacing. You need:

  • Enough money to rebuild your house
  • Replace your stuff
  • Cover damage or injuries that happen on your property
  • Pay your living expenses if you can’t stay at home

The rebuilding cost of your home is just that, not the value of your home. These two figures are not the same, and you don’t want to have to settle for less than you already have. You need to know your square footage and the average building cost per square foot in your area. 

Do any inventory to get a better idea of how much stuff you have and how much it will take to replace it. Keep in mind your policy limit on certain items like jewelry and electronics. 

With liability coverage, get as much as you can afford. 

Additional living expenses should be between 10%-30% of your property coverage. 

In Huntington, TX, contact Integra Insurance Services for all your home insurance needs. 

What coverage comes with toy insurance in Texas?

Anyone that is in the Huntington, TX area and would like to enjoy the area as much as they can look into getting a recreational toy. With a recreational toy, you are going to be able to enjoy all of the local outdoor parks and trails in the area. When you get one of these toys, you also need to consider getting toy insurance as it offers a few forms of coverage that are important to have. 

Liability Protection

A form of coverage that will be helpful with your toy insurance plan is liability insurance. When you are the owner of a recreational toy, there is a chance that you could be at fault in a collision when operating it. When this occurs, you will be obligated to cover damages that are caused. With a proper toy insurance policy, you are going to have the proper coverage you need to offset this risk and cover the cost of the damages.

Protect Your Asset

While a recreational toy is something that you can have a lot of fun with, it is also something that will require an investment to purchase. The best way that you can protect his asset and investment is by getting a toy insurance plan. With this coverage, you are going to have the financial support needed to replace the asset or cover damages if it is stolen or damaged in an accident. 

As you are looking to insure your recreational toy in the Huntington, TX area, it would be wise for you to call Integra Insurance Services. There are a lot of important factors to consider when you are looking for a new insurance plan. Integra Insurance Services can help ensure that you are able to take all of these factors into consideration when picking out a new plan. 

Who needs boat insurance in Texas?

The summer months in Huntington, TX tend to be quite long and warm. Due to this, finding a great way to escape the heat is quite important. As you are looking for ways to stay cool, you may find that buying your own boat is an ideal option. If you choose to buy a boat when you are in Texas, you should consider your insurance needs. There are a few scenarios when having boat insurance will be necessary. 

Those that Have a Loan

A common situation when someone will need boat insurance is when they have taken out a loan. Buying a boat can cost a lot of money up front and a great way to bridge the gap is with a loan. However, until the loan is paid off, you need to comply with the loan agreements. For most lenders, this will include requiring you to maintain a full boat insurance plan.

Those that Want Liability Mitigation

Even if you are very safe and careful, boat accidents do happen from time to time. A great way to offset any potential liability claims is by getting boat insurance. A full plan will offer you ample liability insurance that can provide you with the support needed. This can help ensure that you are covered if you do cause an accident. 

When you do decide to buy a boat in the Huntington, TX area, it will be very important to get proper insurance for it. The team with Integra Insurance Services can offer you all the support that is needed to build and choose a plan that is right for your situation. When you call Integra Insurance Services you can learn more about this type of coverage and how you can protect yourself and your boat with a quality plan.