What does standard homeowners policy mean?

Researching home insurance, you probably came across a few references to a standard homeowners policy. Integra Insurance Services serving Huntington, TX gets a lot of questions about insurance, but one of the most frequent is “What does standard homeowners’ policy mean?”

The insurance industry provides eight levels of coverage for homeowners’ insurance, from dwelling insurance (H0-1) to historical home insurance (HO-8). The insurance industry refers to HO-3 as standard home insurance. It covers the structure of the home under open peril coverage, also called all-peril coverage.

Although many insurance agencies refer to condo insurance as its own type of policy, it actually falls into the category of home insurance, as an HO-6 policy. That policy protects only your condominium interior and personal property, plus provides liability coverage, medical payments, additional living expenses, and loss assessment. Although you read the term renters’ insurance, this, too, is a type of home insurance. An HO-4 insurance policy provides coverage for your rental unit, personal property, liability, and additional living expenses.

Sometimes, you can’t obtain a standard HO-3 policy for your home. If you have made many claims on your prior home insurance policy, you may only qualify for an HO-1 insurance policy. It only covers 10 named perils. Also called dwelling insurance, it only covers the physical structures on your property. Older homes with historic or architectural significance combine dwelling insurance level coverage with liability and personal property coverage plus medical payments and additional living expenses coverage.

Sometimes, you don’t want the coverage of HO-3 and we have options for that. HO-2 insurance lets you skip liability insurance and protect the home and your personal property against major named perils. If you only want to cover the structure and your personal property, you can choose an HO-5 policy.

Call Integra Insurance Services serving Huntington, TX, today to discuss your home insurance. Let us help you choose the home insurance policy to protect your largest financial investment – your home.

Why Should You Get Roadside Assistance Coverage?

When you buy roadside assistance coverage, you resolve a lot of anxiety that may pop up surrounding the fear of getting stranded. There are many reasons why you should consider roadside assistance coverage, no matter where you live.

Integra Insurance Services serving Huntington, TX offers roadside assistance coverage and more. These are a few reasons why you should consider getting coverage for roadside assistance.

Towing Services

Whether your car suddenly will not start or your tire has blown and you don’t have a donut in your trunk, you benefit from roadside towing services. Towing to your home or a mechanic can help you fix your car easily.

Battery Jumps

If your battery dies, chances are that you have somewhere else to be. Roadside assistance helps you get back on the road so that you can get to work, home, or anywhere else.

Tire Services

If you have a flat tire or your tire popped, you may need some help getting back on the road. With roadside assistance coverage, your donut can be easily placed on your car so you can drive home or to an auto shop.

Lockout Options

If you are locked out of your car, a roadside assistance provider can help you get back in. They can unlock your door and help you get your keys so you can drive to your next destination.

Get Roadside Assistance Coverage Today

Integra Insurance Services, which provides roadside assistance coverage to the drivers of Huntington, TX, can help you find the best policy to meet your needs. Roadside assistance coverage can be worth its weight in gold for the peace of mind it offers alone.

Why do you need toy insurance in Texas?

When you are in the Huntington, TX area, you will find that owning a recreational toy can be a good idea. In this part of the state, there are plenty of places where you can enjoy the toy while experiencing the great outdoors. While a recreational toy will be a lot of fun to use, it also is a responsibility to take seriously. Diligent owners should get insurance for it for several reasons. 

Receive Proper Coverage

The first reason that you will want to have toy insurance in this area of Texas is so you can receive proper coverage. With toy insurance, you will get protection for your asset. This means you will have financial support if it is damaged, stolen, or you incur various other losses. You can also receive liability coverage through your recreational toy insurance plan. With this coverage, you will have the support needed to cover damages that you may cause in an accident.

Insurance Can be Required

There are also situations in which having this insurance will be a requirement. If you choose to take out a loan when you buy your recreational toy, there is a good chance that your lender will require you to carry full insurance. Further, using the toy in certain areas may require you to provide evidence of coverage, which ultimately protects all users of the local trails. 

There are various benefits that come with proper toy insurance coverage in Huntington, TX. Choosing the plan can seem complicated at times as there are various decisions to make. As you are assessing your options, calling Integra Insurance Services can be a great idea. The professionals with Integra Insurance Services will give any support you need to build a plan that will appropriately cover your recreational toy. 

Why do people need boat insurance in Texas?

During the warm summer months of the year, people all over the Huntington, TX area need to find ways to stay cool and enjoy the outdoors. A great way that this can be done is by getting a boat. When you have your own boat, you can spend many nice days and evenings out on the water. While a boat can be a lot of fun to own, it also is a big asset and responsibility. Due to this, you should get proper insurance for it. A boat insurance plan is needed here for several reasons. 

Protect your Boat

You should primarily get a boat insurance plan to protect your asset. If you are going to buy a boat, you will want to know that it can be repaired or replaced in the future. With a full insurance plan, you will have the protection you need if the boat is stolen, vandalized, or damaged during some type of accident. 

Liability Support

You also should get boat insurance to receive proper liability support. If you are going to use a boat, there is always a chance that you could make a mistake that results in an accident. In these cases, you will be responsible for any damages. Your boat insurance plan will provide you with the liability coverage that you need in these situations. 

When you are in the Huntington, TX area and are in the market for a new boat, it is important that you also consider your insurance needs. As there are a lot of choices to make along the way, speaking with Integra Insurance Services can be a good option. If you do work with Integra Insurance Services, you can get any support you need to build a plan that protects you and your boat. 

When would someone need specialty property insurance in Texas?

The state of Texas has continued to be a great place for someone to grow a business or invest in real estate. While this can include investing in residential real estate, owning specialty properties can be a good idea as well. If you are going to purchase a specialty property as an investment or for your business, you need to get the right insurance for it. There are various reasons why you will need to have specialty proper insurance in the Huntington, TX area.

Receive Protection for Building Needs 

One of the main reasons to get a specialty property insurance plan is that it can help ensure you receive the right protection for your building. A specialty building is unique and will have different insurance necessities. When you get specialty property insurance, you can build a plan that will meet the needs of your building.

Meet Requirements

You should also consider getting a specialty property insurance plan so you can meet your insurance requirements. Most people that purchase an investment property and specialty building will take out a commercial real estate loan to do so. Along with having financing, you will also have various requirements. This can include requiring that you carry a specialty property insurance plan. Getting a full insurance policy will keep you in compliance with requirements. 

Getting specialty property insurance can be a good investment for those that are in the Huntington, TX area. When you are evaluating your insurance options, calling Integra Insurance Services is a good option. Specialty property insurance is a unique form of coverage and no two policies are the same. The team with Integra Insurance Services can help you carefully evaluate your options and build a plan that protects you and your specialty property asset.

How To Avoid Risk As A Small Business Owner

Owning a business generates a great sense of accomplishment, but it also carries with it many risks. Learning how to avoid the most common risks is important to your future success. At Integra Insurance Services serving Huntington, TX and surrounding areas, we want to provide our clients with the best information so that they can make intelligent insurance choices. Keep reading to learn how to avoid risks as a small business owner. 

Screen Employees Thoroughly 

It is very important that you only bring on new team members who are going to bring value to your business and not take away value. You can cut down on risks by screening employees thoroughly with the use of background checks and in-depth reference reviews. 

Keep High Safety Standards

One risk that business owners face is the risk of injuries in their place of business. Injuries can affect both employees and customers. You can cut down on these risks by always insisting on high safety standards. Keeping areas impeccably clean and free of clutter is another great way to cut down on the risks of injuries. 

Proper Training

Insisting that employees are trained properly is also imperative to cut down on risks. This is especially important if your company works closely with clients or customers. If you are providing service within customers’ homes or vehicles or handling hazardous materials this is of utmost importance. It may take more of a time investment upfront to train employees properly, but this investment could save you from difficulties in the future.

If you would like to learn about commercial insurance or any of our other insurance products, please contact us at Integra Insurance Services, serving Huntington, TX, and the surrounding areas. 

4 Overlooked Home Insurance Facts

Integra Insurance Services provides coverage to the Huntington, TX community and the surrounding areas. Life is often full of unpredictability. We strive to help our clients find the necessary coverage to protect them when adversity arises. We have working relationships with various carriers throughout the South. Providing great customer service is important to us.

Overlooked Home Insurance Facts

Home insurance gives you peace of mind if something happened to your Huntington TX property. The policy protects your home against potential structural damage. You are covered if your home is damaged due to a fire or natural disaster, such as a tornado. All of your personal items are covered if you are a victim of theft. If you have multiple luxury possessions inside your home, you’ll need to amend your policy in order to fully cover those items if something happens to them. Liability coverage protects you if you accidentally damage your neighbor’s property or a guest is injured while visiting your home. While you are researching coverage, consider these overlooked home insurance facts.

Home Insurance Covers Your Pets

Home insurance covers you if your pet injures someone on your property. The liability coverage steps in to take care of the injured party’s medical treatment.

Falling Objects

Home insurance covers any damage to your home due to a falling object. As a Huntington, TX resident, you are aware that severe weather could move through the area at any moment. If a storm causes a large tree branch to cause damage, you are covered.

Alternative Living Coverage

Home insurance covers you if your property suffers serious damage, and you have to stay somewhere else until the repairs are finished.

Connected Structures

Home insurance covers any damage to a connected structure such as a garage or fence.

Do You Need Full Coverage Insurance on Your Vehicle?

It is not uncommon for Huntington, TX drivers to only purchase the state minimum of auto insurance in an effort to save money. While this can indeed save you money on your insurance premiums from month to month, you may not necessarily be sufficiently covered in the event of an accident. Keep reading to learn a few things Integra Insurance Services wants you to know about liability insurance and full coverage insurance.

What Exactly Is Included in Full Coverage Insurance?

Full coverage auto insurance offers protection for virtually anything that can occur to you and your vehicle while behind the wheel. It offers protection for others in a collision while also offering compensation for injuries and damages you may endure in an accident.

Full coverage consists of both comprehensive and collision coverage. This means you are also covered for damages caused by a fire, vandalism, theft, animals, etc.

What Exactly Is Included in Liability Insurance?

Every state requires auto liability insurance, which is designed to offer protection for other drivers and their vehicles. This type of coverage will offer coverage for bodily injury and property damage for a third party in a collision. The amount of coverage will vary from one state to the next depending on state requirements, so make sure to check with your insurance company before purchasing a policy on your own to ensure you are in compliance with the state minimum.

If you are uncertain whether you should invest in liability or full coverage auto insurance, contact our team at Integra Insurance Services. Every policy is tailored to your individual situation, so let us help you identify your auto insurance needs in Huntington, TX.

What coverage comes with toy insurance?

Those that are in the Huntington, TX area should always look for ways to have fun in the great outdoors. When you want to enjoy all the local parks and trails, investing in a recreational toy is a good idea. When you do invest in a recreational toy, you will want to make sure you are properly insured. A proper toy insurance plan will come with a few forms of helpful coverage.

Coverage to Offset Liability Risk

One of the reasons that you should get a toy insurance plan is so you can offset your liability risk. When you choose to invest in a recreational toy, you will be taking on liability risk with every use. If you do cause an accident, you will have to cover any damages that you cause. As these damages can be significant, getting a toy insurance plan with liability coverage will be helpful as it can offset this risk.

Cover Your Recreational Toy

When you get a toy insurance plan, you also will get coverage for your toy. If your toy is stolen, vandalized, or damaged in an accident, it could be expensive to replace or repair it. Fortunately, you can get a toy insurance plan that will provide the support you need to cover losses that you incur. 

As you are evaluating your toy insurance needs in the Huntington, TX area, you could find that you have a lot of questions. When you are looking for a coverage plan in this area, it would be helpful to start your search with Integra Insurance Services. The team with Integra Insurance Services can give you a lot of guidance that will help you build a proper plan. This will ensure you get the liability and property protection that you need. 

Why Texas Boat Owners Should Consider Adding Storage Coverage To Their Boat Insurance Policies

Integra Insurance Services assists the Huntington, TX community, as well as the surrounding areas. We have partnerships with multiple carriers across the South. This allows us to offer our clients flexible policies that adjust to life’s unpredictability. We are committed to helping you protect your assets.

Should You Add Storage Coverage To Your Boat Insurance Policy?

Huntington, TX is known for its hot weather during the summer. Many Texas residents enjoy cooling off by the lake by having fun on their boats. Boat insurance helps keep you and your loved ones safe while you are out on the water. Boat insurance covers you if collide with another watercraft or object. You are also covered if your boat suffers damage due to a fire, hurricane, or tornado. Comprehensive coverage protects your boat if it is stolen or vandalized. If your boat causes damage or if a passenger is injured, liability coverage steps in to protect you. You can also cover any accessories and personal items on your boat if they are damaged or stolen.

You may think it’s unnecessary to have coverage during the times when you are not operating your boat. However, accidents can happen at any time. If you are left unprotected and something happens to your boat, that could lead to serious consequences. That’s why it is beneficial to have year-round coverage on your boat, including when it’s in storage. Someone could infiltrate the facility and vandalize your boat or steal your possessions. Perhaps an accidental fire starts. These are common scenarios when storage insurance will cover you.

Integra Insurance Services Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.