3 things you should know about boat insurance

Your boat is a testament to your hard work. It would be tragic if your watercraft were damaged beyond repair and you lacked the insurance needed to replace it. The agents at Integra Insurance Services can help you find the boat insurance plan to meet your needs. Here are a few things to consider when asking for a quote.

1. Boat insurance is not required

There is no state rule that mandates you to purchase boat insurance if you own a watercraft. It is, however, in the best interest of your finances to buy a policy that protects you from a significant loss in the instance of your boat being destroyed by a natural disaster or an accident on the water. 

In cases where an accident is your fault, boat insurance works to shield your personal finances. You may not have to come up with so much money out-of-pocket for medical bills and repairs if your policy limits are enough to cover the damages. 

In some cases, boat owners report not having to pay anything more than a deductible to rectify financial losses caused by an at-fault accident. It is, of course, imperative that you speak with an agent at Integra Insurance Services to establish premium costs and policy limits for your plan. 

2. How much insurance you need depends on how often you use the vessel

There are a number of factors that determine how much you will pay every month for boat insurance. One main factor, though, is how often you use your watercraft. Boat owners who only use their vessel once per year may find that their premium is much lower than the individual who drives every weekend. You may also want to consider where your boat is docked when trying to get the best insurance premium rates. 

3. It is best to be over-insured

There are few instances where a person in Huntington, TX complains about having too much insurance when tragedy strikes. There are, however, plenty of cases where boat owners express regret in not having enough insurance to pay for losses. 

You should err on the side of preparedness. Call Integra Insurance Services today to get set up with the right insurance policy for your boat in Huntington, TX.

3 Reasons Real Estate Agents Need a BOP

Selling homes is both an exciting and rewarding career. However, most realtors don’t think about needing appropriate business insurance coverage. At Integra Insurance Services, we feel this is something worth talking about. Here are three reasons Huntington, TX real estate agents need a business owner’s package policy (BOP).

#1: General Liability Coverage

Perhaps the most important reason for a real estate agent to have a BOP is for the part of the policy that includes general liability coverage. Accidents can happen at open house events and if someone is injured, the real estate agent might be sued. Or what if there’s an incident and a home you are showing is damaged accidentally? Instead, it’s better to have adequate business insurance coverage ahead of time.

#2: Business Interruption Insurance

What would you do if you weren’t able to continue to operate your real estate business due to a catastrophic event? In many cases, a BOP offers a limited about of business interruption coverage. This allows you to make arrangements to keep your real estate office going even when disaster strikes.

#3: Coverage for Business Property

Life as a real estate agent means you’re constantly on the go. Since many agents likely don’t have a stationary office, it is important to have coverage for business property. This includes items such as a laptop computer, signage, marketing swag, office supplies, and more. This type of coverage could help you replace these essential items in the event of theft, fire, and more.

Are you ready to take a look at your business insurance coverage? Please contact our team at Integra Insurance Services. We proudly serve those who live in Huntington, TX and surrounding areas.

Can Specialty Property Insurance Cover My AirBnB?

Texas is a hotspot for visitors. People from all over the country travel to the Lone Star state for business and recreation and those of us who already live here do a fair bit of traveling around our large state as well! It’s no surprise then that AirBnB has blown up here over the past several years. Hosting your Huntington, TX home (or a room within it) on AirBnB can be a lucrative way to make some extra cash, but it’s important to make sure that your property is protected.

But here’s the catch — that insurance that AirBnB offers? It’s more of a low-claims reimbursement program that doesn’t actually cover much. And if you have homeowners insurance, chances are your policy doesn’t cover AirBnB scenarios either. 

So, what can you do? 

At Integra Insurance Services, we’re here to help you find a coverage solution for everything that comes your way in life. And yes, that includes AirBnBs. For example, we offer specialty property insurance, which is actually exactly what it sounds like. It’s meant for properties that are special and unique!

Because specialty property insurance can often be written for rentals and vacant properties (when between tenants), this may be a good option for coverage. This kind of insurance may also be used for properties that are in non-traditional locations (like a forest or waterfront), as has become increasingly common with AirBnB properties. After all, specialty property insurance is intended for, well, special scenarios.

The exact kind of coverage you need may depend largely on factors like how often you list/rent out your AirBnB and whether or not you live on the property yourself. 

Have more questions about how specialty property insurance may be able to protect your AirBnB? Call us at Integra Insurance Services or come stop by our offices in the Huntington, TX area at your nearest convenience. 

Homeowner’s Insurance Helps Protect Your Home

Accidents happen at home and they can be expensive. If you injure someone or damage their property by accident, it can have serious financial repercussions. This is especially true if the person gets a lawyer and decides to sue you. Protect the equity that you’ve built in your home with a homeowners insurance policy, which can pay for slips and falls and other covered events on your property and away from home.

What’s Covered?

Your home insurance policy won’t cover auto accidents, but it does cover events away from home. Maybe you wipe out on the slopes and take another skier down in the process, or perhaps you take a hot casserole over to the new neighbors and they get burnt while grabbing the dish. These events may be covered under your Huntington, TX insurance policy.

What If It’s My Fault?

The expectation under the law is that you act reasonably. If you react and behave unreasonably, and someone gets hurt, you can be held negligent. For example, if you accidentally knock someone down because you’re looking at your cell phone, you might be accused of negligence because a reasonable person looks ahead while walking.

Your homeowner’s policy typically covers the negligent behavior of you and your family. For example, if your kids hit a baseball through your neighbor’s window while practicing for the big game, your home liability insurance will probably cover the damage. Ask you Integra Insurance Services agent what coverage is available to protect your family.

Lawsuits

Your homeowner’s insurance may pay for a lawyer in case of a lawsuit. Depending on your coverage options, it may cover court fees as well. This is a huge relief when you are undergoing the stress and expense of a lawsuit for an unintentional event.

Come by Integra Insurance Services or make an appointment to receive a quote to protect your Huntington, TX home.

 

 

 

How Auto Insurance Can Protect You in Huntington, TX

Driving a car on a daily basis in the Huntington, TX area is very common. Those that need to drive a car may take for granted how important this asset is. While it is easy to forget how valuable and necessary your car is, you need to make sure that it is properly covered by insurance. For those that are in Huntington, having a quality auto insurance policy in place can provide many different types of protection.

Gives Necessary Liability Protection

All drivers take on a lot of responsibility whenever they get behind the wheel. If you happen to cause an accident that leads to damage or an injury, you could be found liable. Due to this risk, you need to make sure that you are properly covered with a quality liability insurance policy. This is a state requirement to drive legally and could prove to be very helpful if you ever are found to be at fault. 

Protects Your Car

Beyond the liability coverage, you will also want to make sure that your car is fully protected. If you drive regularly or have a loan payment, you need to make sure that you have financial coverage if your car is damaged during an accident, stolen, or vandalized. A full collision and comprehensive policy will give you this coverage and peace of mind. 

The next time you are looking to protect your car and reduce your liability risk, you should speak with the professionals at Integra Insurance Services. The insurance team at Integra Insurance Services knows all about the risks that come every day you get behind the wheel of your car. They can then help you to build an auto insurance policy that will allow you to mitigate some of these risks. 

How to Find Toy Insurance

Toy insurance is needed for your hobby vehicles, including boats, RVs, and ATVs. Having insurance is part of being a responsible recreational vehicle owner and you want to make sure you protect these items. You can find toy insurance in Huntington TX, just like you can find any other insurance policy.

Basic Types of Coverage

Liability coverage will pay for any third-party damage or personal injury that occurs due to an accident with your recreational toy. Liability coverage can be required for certain toy vehicles, such as RVs, if you driving on a state road. Collision insurance can pay for your toy after an accident. Insurance may be required if you have a loan against the RV or boat. Comprehensive insurance can pay for any damages that are the result of vandalism, fire, water, or theft.

Finding an Agent

In order to find toy insurance, it helps to work with an agent so you can secure adequate coverage. Ask for referrals since word of mouth can be a great way to find an agent. Having a local agent in Huntington TX can be helpful since many people prefer in-person appointments. Be sure to interview prospective agents and talk to them about your exact situation and what kind of insurance you need. It helps if your agent is a true expert in toy insurance. An experienced agent can make your case to a claims department and keep an eye on any insurance requirements that can change over the years.

Bundling Coverage

If you own multiple recreation toys then you may be able to save money on your policies by bundling coverage at Integra Insurance Services. Start with current insurance agents to get a quote. You can also have added convenience since all of your policies will be in one place.

Contact Integra Insurance Services to get a quote on toy insurance. 

When is it a good idea to get boat insurance in Texas

Due to the hot summers, investing in a boat in the Huntington, TX area can be a great option. When you have a boat, you will have a great option for spending a hot summer day. While a boat can provide you with a lot of great memories and fun days, it is also a valuable investment. There are several situations in which it would be a good idea to get boat insurance to properly protect your asset.

When You Need Liability Protection

The first situation in which you should have boat insurance is when you need liability protection. Those that operate a boat are taking on a lot of liability risk whenever they use their boat. Not only can you be found liable for boat damage that occurs in an accident, but you could also be liable for any injuries sustained by passengers or anyone else in the water. When you have boat insurance, you will receive protection for this.

When You Invested Your Money

A boat is also a big investment that you need to protect. Since boats can be very expensive, you should make sure that you have money in place to repair or replace it if you suffer a loss. When you have boat insurance, you will receive coverage for a variety of situations that could result in a loss. 

When you are looking for boat insurance in Texas, you should reach out to the team at Integra Insurance Services. The professionals at the Integra Insurance Services know very well what the needs are of Huntington, TX boat owners. They will be able to get you into a policy that will provide you with ample liability protection while also ensuring your boat is properly covered. 

How Workers Compensation Protects Workers and Businesses

The Texas Department of Insurance sets the rules on worker’s compensation in the state.  However, these regulations are more than legal requirements. Businesses and their workers both benefit from a comprehensive worker’s compensation package. How can a customized worker’s compensation package from Integra Insurance Services help your Huntington, TX business thrive?

How Worker’s Compensation Benefits Employees

Worker’s compensation insurance was created as a way to help workers recover from injuries sustained while they’re on the job. In order to ensure each injured worker has the best chance of a full recovery, worker’s compensation provides funds for essential services and treatments, like:

  • Care from primary physicians and specialists
  • Surgeries
  • Physical rehabilitation
  • Drug therapies, including pain relief

Many plans also provide workers with a portion of their regular income. This allows them to live a comparatively comfortable life while healing.

How Worker’s Compensation Benefits Employers

While worker’s compensation is meant to benefit injured workers, their employers also benefit from this unique coverage.

  • Employers can retain excellent workers. Rather than lose your best employees, worker’s compensation allows them to heal and return to the job quickly.
  • Employers can better manage healthcare costs. For employers who offer healthcare packages to their employees, having a worker’s compensation plan helps them cut down on chronic pain and lingering issues related to workplace accidents. This leads to lower healthcare costs for your entire staff.
  • Employers make a more attractive option. In high-competition trades, a well-planned benefits package could make the difference between hiring the best and taking what’s left. Include worker’s compensation in your benefits to woo in-demand workers.

Worker’s compensation is an excellent value for employers and their employees. Contact the representatives at Integra Insurance Services to learn how our worker’s compensation plans can improve your Huntington, TX area business.

What Is A Specialty Property Insurance Policy?

When you’re in Huntington, TX, it’s important to look at how insurance products can provide protection for the things that you own. There may be unique situations where you have property that needs to be covered. While you may live in one home and have a homeowner’s insurance policy, specialty property insurance can be used for other scenarios.

When to Have Specialty Property Insurance

At Integra Insurance Services, we can help you to determine when it’s best to explore specialty property insurance. This can be used in scenarios when you have a vacation home, a rental property, or even a vacant home that’s been on the market for a while.

Since it’s not your primary home, there’s no need to have homeowners insurance on it. However, you don’t want to leave it without any insurance in case something happens to it. Whether it gets damaged in a storm or someone vandalizes it, you want to be able to file a claim with the insurance company. It offers you the financial protection needed so that you can enjoy greater peace of mind.

Choosing the Right Coverage

It can be overwhelming to decide exactly what kind of coverage you need for a property. By working with an independent insurance agent, you can get recommendations. We’ll need to know things like how much the property is worth, how often it is occupied, and how long you plan on maintaining ownership of it.

Once we know more about your property, we can help you to get the coverage needed. This way, you won’t be out of pocket for all of the damage in the event that something does happen.

We’re here to help you with your property insurance needs in Huntington, TX. Call us at Integra Insurance Services to talk to an agent and learn more about how we can assist you with a policy.

 

Does Home Insurance Cover Pest Control?

When it comes to owning a home you may come up against repairs that you are simply not ready for. Pest control and repairs of damages from your pest control are likely something you are going to have to deal with at some point during the time you own your home. For those that live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the home policy that covers what you need it to cover.

In terms of pest control and pest repairs, most insurance policies are not going to pay out. The reason being that most home policies view pest control as a matter of home maintenance which means you should be keeping up with it on your own through the course of owning your home. You are not allowed to claim matters of maintenance on your home policy and making sure you are taking care of your home is the best way to prevent damage from pests.

Since home insurance does not generally cover the cost of pest control or repairs due to pests, you should take the time to make sure you are controlling pests as they appear rather than waiting until they cause major damage that is going to have to be repaired. Pests are just that, they are pests and they do cause damage. If you notice that you have an infestation of any sort you should take steps to rid your home of the infestation before it causes major damage to the home.

For those that live in the Huntington, TX area, the agents with Integra Insurance Services can help you to find the home policy that covers what you need it to cover so that you can be sure your home is fully protected.