What kinds of items are covered by special property insurance?

You probably expect that your homeowner’s policy in Huntington, TX will protect you against loss for anything that you have in your home. Unfortunately, that is not always true.

Standard homeowner’s insurance will cover the property itself, large and small appliances, window treatments and rugs, clothing, dishes, televisions and other electronics, movies, books, and many other kinds of items. If you read your policy, carefully, though, there are limits on how much can be covered in each category. Your policy is basically the contract between you and the insurance company, so it will determine what is and is not covered.

At Integra Insurance Services, we can help you understand your policy and work with you to figure out if your most important valuables are protected. Many of your valuables may not be covered because they are simply too valuable. Others may not be covered because of what kind of property they are.

Here are the most common kinds of items that may need special coverage:

  • Jewelry
  • Furs
  • Paintings and other works of art
  • Valuable equipment, such as cameras, computers, or other electronics
  • Equipment you use in a business
  • Coin or stamp collections
  • Musical instruments
  • Guns
  • Boats or other recreational items
  • Recreational vehicles stored on your property
  • Anything else that may fall outside the limits. 

You expect to be safe in Huntington, TX, but sometimes things happen. When they do, you need to be protected. You don’t want to be surprised by finding out that your most valuable possessions aren’t covered under your insurance policy.

If you have any questions or would like to talk about getting a special policy for yourself, please don’t hesitate to call Integra Insurance Services so we can show you how easy it is to add a policy onto your existing one.

What are the Main Advantages of Getting Commercial Insurance?

Starting a business and being their own boss is a common career goal shared by a lot of people. When you do start your own business, finding the right place to do so is a good idea. The city of Huntington, TX can be a great option as it has a good economy and population trends. Those that are in this area of the state and own a business still need to consider all of their insurance needs. There are many advantages that come when you get commercial insurance. 

General Liability Insurance 

One of the benefits of getting commercial insurance is that it can provide you with general liability insurance. There is always a risk that you will be sued for liability, no matter how safe and efficient your business is. Due to this risk, you are going to want to have commercial insurance at all times as it will provide you with the general liability coverage that you need to have peace of mind and be properly protected.

Business Asset Protection

One of the most devastating things that could happen to a business owner would be if their core assets or inventory is damaged, stolen, or vandalized. When this occurs, it can be a very serious and dramatic cash outlay to replace it. When you have a good commercial insurance policy in place, it will give you the coverage that you need to ensure you can replace these assets.

Those that are in the Huntington, TX area should call Integra Insurance Services when they need commercial insurance. Choosing the right commercial insurance policy can be a complicated and confusing process. To make this easier, you should contact Integra Insurance Services to better understand the benefits that this insurance can provide. 

Understanding the Basics of Auto Insurance

Auto liability insurance coverage is required in most every state. Legally, you have to have it, but do you understand what it is and how it works? Here at Integra Insurance Services in Huntington, TX want to help you understand just what insurance does for you.

There are many insured motorists that pay their premiums because they have to but many are unsure of what exactly they are paying for. While auto insurance coverage varies, there are some basics that are involved in nearly all policies. However, the amount of coverage also varies according to the policy you choose. 

Basics of Auto Insurance

When shopping for auto insurance, you will likely hear of these six different kinds of coverage:

1. Collision

Typically, collision coverage covers damage to your vehicle that is caused by a collision with another vehicle and things such as potholes whether you are at fault or not. If someone else causes the collision, your insurer will generally reimburse you for the damage caused, then try to recover that amount from the at-fault party’s insurer.

2. Uninsured and Underinsured Motorist

Sadly, not everyone covers insurance. Even worse, not everyone sticks around at the scene of a collision. Uninsured and underinsured motorist coverage is an insurance option you have to protect you during this time.

3. Medical Payments or Personal Injury Protection (PIP)

If people in the policyholder’s car are injured, this coverage should take care of the medical payments. It will also likely take care of lost wages and funeral costs associated with the collision, though you should always double-check with your agent on this.

4. Bodily Injury

Bodily injury is intended to cover injuries sustained by parties outside of the policyholder’s vehicle. There are usually state minimums, but many motorists opt for a higher amount of coverage in case of serious injury.

5. Property Damage

Similar to bodily injury coverage, property damage covers the damage done to other people’s property. In addition to vehicles, it may also cover damage to structures, lampposts, fences, telephone poles, and more.

6. Comprehensive

Comprehensive coverage is typically not a requirement, but it is popular. It is intended to cover events such as fire, vandalism, contact with animals such as deer, storm damage, and more.

If you are in the Huntington, TX area, Integra Insurance Services wants to make sure you get the coverage you need. Stop by or give us a call to get you covered today!

Tips for Making Your Home More Secure

Everyone wants to be sure that they and their family stays safe and secure in their home at all times. And there are definitely ways to better ensure that, so here are some tips, courtesy of Integra Insurance Services serving the Huntington, TX area.

Security cameras

You cannot have your eyes on every inch of your property at all times, but that is where the security camera helps you. It monitors your home and surrounding area and helps you stay on top of any potential problems.

Security lights

Lights that are specifically for security purposes are great at making your home more secure. There are lights available for both indoor and outdoor use. Before installing them, consider the best places and uses for them.

Burglar alarms

The age-old devices known as burglar alarms have never gone out of style and for good reason. They work hard to effectively repel potential intruders and thieves.

Outdoor lights

Make sure you have plenty of outdoor lights, especially in strategic locations such as near doors, along walkways and by the driveway. A well-lit property is a deterrent for would-be intruders.

Motion sensors

Another piece of equipment that can help with security is the motion sensor that for example causes lights to come on when they detect any motion outside around the house.

Windows and doors

Of course, windows and doors provide an excellent barrier between a resident and the outside world, so they are built-in security features. But it is important to keep windows and doors locked at all times, whether you are at home or not.

If you are looking for home insurance locally, consider Integra Insurance Services serving the Huntington, TX area. We can help you figure out ways to make your property secure while providing added peace of mind.

Understanding toy insurance

The words “toy insurance” can be misleading, but the fact of the matter is as one gets older, you still have toys; they just become larger and more expensive and as a result, need insurance coverage. If you live in the Huntington, TX area and are interested in learning more about insuring your recreational toys, reach out to a specialist at  Integra Insurance Services today. 

Toy insurance can cover a wide variety of vehicles both on the water and on the roads. Below is a shortlist of some of the types of toys that you should consider covering. 

  • ATVs
  • Campers 
  • RV’s
  • Golf Carts
  • Dune Buggies
  • Jet Ski 
  • Snowmobile

Although many policies will need to be customized, depending on how often and in which manner you use the vehicle, for most policies, you will want to ensure you have the following basic coverages. 

Bodily Injury and Property damage: By nature of these toys, you will often be using them around large groups of people. Bodily injury coverage will shield you from liability in the event you are at fault and cause a third party injury with the toy. Property coverage will help pay for damages in the event your vehicle damages a third parties property. 

Collision Coverage: Your toy is an asset and can be expensive to repair or replace. Collision coverage will help you repair your toy in the event it is damaged in an accident. You will want to be sure your insurance is for replacement coverage of the toy. 

Comprehensive coverage: This coverage will protect your toy in the event something occurs not related to a crash. The type of events included under comprehensive coverage are fire, theft, and vandalism.

If you are interested in learning more about toy insurance, reach out to Integra Insurance Services. We proudly serve the Huntington, TX area. 

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.