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.  

The Different Types of Auto Insurance

You might not have realized it when you purchased a classic car like a 1963 candy apple red Corvette Stingray or decided to dedicate your van to work deliveries, but you need different insurance for that special vehicle than you do for the 2018 Acura you drive to work. Let Integra Insurance Services of Huntington, TX help you learn the difference between regular auto insurance, vintage car insurance, and commercial auto insurance.

Regular Auto Insurance

This insurance policy type covers your day-to-day ride. If you buy the state minimum coverage, you’ll have general liability coverage and bodily injury or death coverage for the other party involved in an accident you caused. It will also pay damages to their vehicle. The amount of this coverage depends on the state and its legal requirements.

If you add to the basic policy, you might add comprehensive, collision, PIP, uninsured motorist coverage or rental reimbursement coverage. Comprehensive reimburses you if your vehicle gets stolen, you hit an animal, etc. or it gets damaged by a natural hazard such as fire, flood, hail, etc. Collision covers your car if you hit a pole or a tree. PIP stands for personal injury protection and it pays for medical care for you and your passengers regardless of who causes the accident. Uninsured motorist coverage pays your medical costs if the other driver causes the accident but had no insurance. In some states, it also covers vehicle damage. Rental reimbursement coverage pays for your rental car if you have to obtain one due to an accident rendering your ride undrivable. This is the type of coverage you need for your day-to-day vehicle.

Vintage Car Insurance

Vintage car insurance pays for the replacement of your classic or vintage vehicle if it gets totaled. It also covers replacement parts for repair and the repair costs. It only allows the owner to drive the vintage vehicle for a very limited amount of mileage, normally to and from classic car events and in parades. This equals about 1,000 miles per year.

Commercial Vehicle Insurance

A commercial vehicle insurance policy covers all the same items as a regular auto insurance policy. It only covers your commercial vehicle though. You have the same options as with your day-to-vehicle.

Call or come by Integra Insurance Services of Huntington, TX and talk to us about your auto insurance needs. If you have more than one vehicle type, you need more than one policy.

How do you apply for a VIN for a kit car?

Building a kit car is fun and exciting but to complete the process you have to register the vehicle, get a VIN number, plate it and insure it. While it sounds like a lengthy process, it really doesn’t take that long and you will have everything you need as long as you take photographs and keep your original receipts. The agents of Integra Insurance Services in Huntington, TX can help you with the process and make sure your new kit car is street legal.

Making It Legal

In order to legally drive your kit car on the road, it has to be plated and insured. To get your plates you will have to have a VIN number. You can apply for a VIN through the DMV. You will need a Statement of Construction, a Certificate of Origin (if possible), and a thorough inspection to ensure that it is roadworthy and safe to drive. You will also have to have an emissions test performed to show that the vehicle meets EPA standards.

Getting the Right Insurance

When you build a kit car, you are investing a lot of your hard-earned money and valuable time in creating something that is both fun and exciting. Don’t let all of your hard work be for nothing. Talk to your local insurance agent and get the coverage you need to protect your investment. 

In Huntington, TX, call the agents of Integra Insurance Services. They can help you find the right policy for your new kit car and make sure you have all of the insurance you need before you hit the road for your first adventure. 

Why should someone get boat insurance?

For people in the Huntington, TX area, owning and operating a boat in the summer months can be a lot of fun. Nothing is quite better than spending a nice afternoon on a lake or other waterway on your very own boat. When you own a boat, it is important that you make sure that it is properly covered and protected. There are several reasons why someone should make sure they have boat Insurance in place at all times.

Concerns Over Liability

One of the main reasons why you will want to get boat insurance on your boat is because it will provide you with liability protection. In most situations, you will be very safe when you are operating your boat. However, accidents do happen from time to time, which could lead to damage and expenses. If you are found to be at fault in an accident, your boat insurance policy will provide you with a certain level of liability protection.

Protects Your Asset

Buying a boat can be a very major purchase and expense. Because of this, you need to consider your boat to be a personal asset as well. To make sure that you are properly protected, you should get a boat insurance policy that will provide you with protection for a variety of losses including theft, vandalism, or damage caused to your boat in an accident.

If you own a boat in the Huntington, TX area, one of the best places to start your search for insurance is with Integra Insurance Services. The team at Integra Insurance Services knows how important it is to have a quality boat insurance policy in place at all times. They can help you to better understand your needs to make sure that you are properly covered.  

Essential Types of Commercial Insurance all Businesses Need in Huntington, TX

Owning a business is a huge responsibility. If you own a business in the Lone Star state, specifically Huntington, TX, having the right protection is a must. However, with all the small business insurance options out there, it can be confusing trying to figure out what you really need. Our goal at Integra Insurance Services is to make this as easy as possible by providing the information needed to make an educated decision and purchase.

Minimum Requirements for Business Insurance in the State of Texas

It is not mandatory to carry commercial liability insurance for a business that is operating in Texas. This is a state that is considered business-friendly and that has been a leader in regard to lawsuit reform to help and discourage the filing of frivolous claims. However, lawsuits still pop up in this state. If you own your property or another valuable asset, it is a good idea to invest in general liability coverage for your business, as this will help to limit your exposure.

Types of Business Insurance to Consider

There are several types of business insurance to purchase in Texas. While commercial general liability coverage is one of the most important, some of the other coverage options you can choose from include:

  • Commercial property insurance
  • Employee disability insurance
  • Product liability
  • Business Owner’s Policy
  • Professional Liability
  • Employment Practices Liability Insurance
  • Errors & Omissions

If you use your vehicle for business purposes, you don’t have to have a commercial vehicle policy, but it is a good idea. However, you do have to have the minimum automobile policy to cover yourself if you are involved in an accident.

If you are ready to purchase business insurance in Huntington, TX, be sure to contact our team at Integra Insurance Services.  

What is Specialty Property Insurance?

Your property means a great deal to you and having a policy that reflects that is important. For properties that are special, unique, or out of the ordinary, specialty property insurance is available. There are tons of different coverage options out there and taking the time to find the right coverage for you and for your property is essential. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the perfect specialty property insurance policy.

Specialty property insurance is a great way to insure properties that are special, unique, and different than other properties. This could mean a property that houses special equipment, a property that has a special piece of art on it, a property that is unique from other properties either in cultural significance or other significance that is not easily quantified. This is a great way to insure your property if it does not fall into any other property insurance categories so that you can insure it properly and do not have to try and make the property fit into another category that may not be perfect for it.

If you have a specialty property, it is always best to take the time to find a specialty property insurance that is going to work for your property rather than trying to make it fit into another category. This type of policy is even good for things like special attractions or other out of the ordinary properties. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the policy that is going to work best for you and for your specialty property. Your property is important and having the right insurance can make a world of difference.  

Should Home Insurance Policies Be Reviewed Annually?

You work hard to provide a house for your family.  Through care and attention that house has become a home where your family can grow.  Your home insurance policy also works hard to protect the house and your assets.  When you originally purchased the policy, you were excited about your new home and anticipating what your life would be like there.  The policy was most likely also a requirement of your mortgage lender.  It’s entirely possible that you may not fully understand the extent of the coverage written into your policy.  This is understandable.  The team at Integra Insurance Services works with homeowners throughout the Huntington, TX area to get the coverage they need.  They are also ready to explain the policy in everyday language and answer any questions that you have.

As your family grows and changes, there will also be changes to your lifestyle.  You may make some improvements to your home.  This means that your home insurance needs also change.  An annual review of your home insurance policy, much like an annual medical checkup, can highlight areas where coverage needs have changed.  It may show areas where you can lower your premiums. 

The agents at Integra Insurance Services understand the needs of homeowners in the Huntington, TX area.  They know weather conditions and flooding risks.  With an expert eye and friendly advice, they can go through your existing policies to ensure that they are addressing any changes to your lifestyle, improvements to the house or property structures.  Also, they will be able to discuss with you any changes or developments in the insurance field that might affect your coverage.  So, pull out those policies and contact them for a review today.  Its an investment in your family and your property.   

What to do After a Car Accident?

The two main things to remember directly after a car accident is to remain calm and call 9-1-1 if there are any possible injuries that could be severe. Several other items need your attention right away after a collision.

Stay Calm

When you keep your cool, it’s easier to think straight and make rational decisions. This will also help to avoid a conflict with the other driver involved in the collision in Huntington, TX. You can choose not to speak to the other driver at all, or you can small talk with them and it may calm everyone involved.

Keep Everyone Away From Traffic

If there are only minor damages, you can move the vehicles to be out of the way of oncoming traffic. If they are not moveable, turn on your hazard lights. If no one is injured, make certain that all passengers are off the road and away from any traffic for their safety.

Don’t Move Anyone with Serious Injuries

If someone incurs serious injuries, especially if it is to their spine or head, then don’t move them as it could make the injuries much worse.

Call the Police and 9-1-1

Texas state law mandates that you call the police in any accident that involves property damages or injuries. You will get a police report, the officer’s name, badge number, phone number, and the police report number. The report number is an important part of filing an auto claim with Integra Insurance Services.

Get Contact Information on Witnesses

If there are any third party witnesses, ask them to wait until the police arrive to be a neutral part and give their account of what happened at the accident scene.

Don’t Admit to Being at Fault

Don’t apologize to the other party, but instead just cooperate with the other driver and the police.

Exchange Information

Exchange information with the other driver. You should each provide each other with your full name, insurance provider, policy number and the phone number for the insurance company.

Contact your Insurance Provider

Call your insurance provider as soon as you can, especially if there will be claims or there are injuries.

We realize at Integra Insurance Services in Huntington, TX, that it can be quite unnerving if you are in an auto accident, and we are here to help you. You can use our online rating tool, come by the office or give us a call to discuss your auto insurance needs.

Insure Your “Toys” for Grown Ups

When we speak of “toys” for adults, it is a colloquial way of describing various recreational and sports vehicles that people use mostly to have fun. This category includes things like all-terrain vehicles, boats, dune buggies, golf carts, kayaks, motorbikes, racing bikes, sand rails, snowmobiles, and travel trailers. It also includes personal watercraft, such as jet skis, windsurfing boards, and equipment used for parasailing.

There are so many kinds of toys for adults that fall into this category. Each type needs to have special insurance coverage. Consult with your insurance agent at Integra Insurance Services, serving Huntington, TX and the surrounding area, to get a quote for adequate coverage.

It is important to understand that many insurance policies have exclusions for some of these activities and this needs to be discussed with your agent as well. For example, enjoying extreme sports may invalidate a claim under a life insurance policy as a specific exclusion. Ask your agent to review all of your insurance policies to make sure any conflicts of this type are sorted out.

Other concerns about insurance coverage for toys are making sure they are protected against theft or damage when in transport and while in storage. Additionally, allowing others to use your toys may increase your liability. This is something to discuss with your agent as well.

The key lesson to learn about insuring recreational toys is to make sure your insurance coverage is adequate before going out to use them. In this way, you will avoid the disaster of lacking proper insurance if some unforeseen accident happens.

To get a quote or update your toy insurance, make a list of all of the items that you own. Use the replacement cost of getting a new one, of the exact same type, as the amount of coverage needed for the equipment. Then, add extra insurance protection for any potential damage to the property of others and the liability for injuries or death. Contact your agent at Integra Insurance Services in Huntington, TX for an insurance update and then go out to have some fun.

Why It’s Important to Review Your Boat Policy Every Year

Texas residents are fortunate to have a lot of lakes to enjoy and explore, and what better way to do so than on a boat? Your boat policy should be reviewed every year to ensure that your coverage is up to date and meets your current needs. The team at Integra Insurance Services is proud to meet the protection needs of our friends and neighbors in the Huntington, TX area.

Your boat policy will likely include information about the distance that you trailer your vessel, whether you store it in dry dock during the off-season and the frequency with which you use it. Because these variables can change from year to year, it makes sense to do a quick annual check to make sure that your coverage is adequate for your current use.

Enjoy Your Time on the Water Responsibly

Boat ownership comes with a high level of responsibility. You are responsible for both your vessel and its passengers along with the safety of the other craft that is also on the water. Comprehensive boat insurance is vital to protect yourself and your assets in the event that you are involved in a mishap with another boat or someone else’s property. When you have an annual policy review you can rest assured that the information associated with your policy is accurate and up to date and that you have the protection that you need. When you know that both you and the other boaters on the water are protected, you and your passengers can enjoy the beautiful lakes that we are fortunate enough to have here in Texas!

Are you in need of a boat policy review? Contact the Huntington, TX team at Integra Insurance Services today to schedule your consultation.