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.

When to Buy Special Property Coverage for Your Home

Special insurance coverage for Huntington, TX provides many benefits that can’t be earned in any other way. We at Integra Insurance Services can provide you with many options for this coverage and help you better understand when it is a good choice for your policy.

What is Special Insurance Coverage?

Special insurance coverage comes in a few different varieties, including commercial and residential coverage. Commercial coverage provides protection for public entities and non-profit companies. This type of coverage helps protect their property and business from damage and liability lawsuits.

Special insurance coverage for a home typically focuses on higher-end items in a home, such as jewelry, watches, furs, expensive gems, dinnerware, trophies, and guns. This type of coverage helps to keep homeowners from suffering total loss if somebody breaks into their home.

When is Special Insurance Wise?

Special insurance coverage is a good choice for anybody who runs a business from their home or who owns a large number of expensive items that they want to protect. For example, people who own gold coins or who have a lot of jewelry should probably consider special insurance coverage.

These types of policies can be tweaked and adjusted to meet the needs of just about any homeowner. For example, an individual can limit certain types of coverage that they don’t need and focus on just the ones that they do. So make sure to talk to your provider to learn more.

Who Provides Coverage of This Type?

If you live in Huntington, TX and want special insurance coverage, we at Integra Insurance Services can help you out. Our experts will work hard to find a great insurance policy that suits your needs and which gives you and your home the protection that it deserves.

Which kind of business needs commercial auto insurance?

If you use your vehicle for business purposes, then you may need to purchase commercial auto insurance. You can’t always prevent accidents from happening, but you can prevent yourself from having a large financial setback when accidents do occur. 

Risk can take many forms when you have a business, but when vehicles are involved, you have another set of risks involved. Even if your driver follows all of the driving laws and drives cautiously, mistakes can happen. They could have just one moment of distraction, or another driver could be driving recklessly. The risk is everywhere, and insurance is there to make sure that everyday life doesn’t slow you down or set you back.

You may not be able to completely eliminate your risk, but with the appropriate insurance, you can manage it. Commercial auto insurance is similar to the auto insurance private individuals purchase but at much higher limits.

By purchasing commercial auto insurance, you protect both your business and your business’ interests. Within those interests, you will be protecting your employees (both primary employees and those you may be doing business with) and your equipment (vehicles and goods). If you use a vehicle to transport goods or people from state to state, then you may be required by the federal government to have commercial auto insurance. Things to consider are the type of goods (hazardous materials) and the number of people (16 or more people require a higher premium of insurance than those carrying 15 or fewer) that you are transporting.

For more information and details about commercial auto insurance and how it could benefit your business in Huntington, TX, you can contact Integra Insurance Services. They can help you find the insurance that is right for you and your business.

Most Forgotten Home Insurance Basics

Home insurance can be difficult to understand, often however, taking the time to learn a few basics can help make figuring out the specifics a bit easier. For those living in the Huntington, TX area, the agents with Integra Insurance Services can help you learn all you need to know about home insurance.  

One of the first things that people tend to forget when working out the basics of their home policy is that your home policy also covers the cost of the contents of your home and should be adjusted accordingly. If you make a large purchase or have a valuable collection in your home, you should make sure they are protected so that you can replace them if something happens. You should also adjust this coverage as needed and keep an inventory of any expensive or hard to replace items so that they can be accounted for should you need to make a claim.

Another oft-forgotten aspect of home insurance is that most policies are not going to be one size fits all so buying a policy online is not going to be sufficient. You need to buy a policy that fits your particular home, and your particular circumstance. Though a basic policy is a great place to start, it is not going to cover the nuances of your particular home and it might not cover your entire home.

The last commonly forgotten aspect of home insurance is that you do need different coverage based on where you live. In an area where the flood is not common, you may not need flood insurance. In areas where winter storms are common, you may need more coverage during certain times of the year. If you have a home it is important to make sure you are taking the time to really tailor your home policy to make sure your home is fully protected at all times.

For those in the Huntington, TX area, the agents with Integra Insurance Services can help you find the right policy every time.

What Auto Insurance Do I Need to Have

Owning a vehicle is a major responsibility. Due to the importance of the asset, you need to make sure that you have the right type of insurance coverage in place to provide you with the protection that you need. For those that are in the Huntington, TX area, there are several factors to consider when getting a new auto insurance policy.

Minimum Requirements

At the bare minimum, you need to make sure that you have coverage that keeps you in compliance with the state laws. In the state of Texas, you will need to carry liability protection whenever you are out on the road. The state will require that you have property damage liability coverage of at least $25,000 per incident as well as bodily injury liability coverage of at least $30,000 per injured person with a $60,000 incident cap.

Collision and Comprehensive

While you are only required by law to carry liability coverage, you also need to consider getting collision and comprehensive coverage. Since liability coverage only provides financial protection to others involved in an accident, these additional types of coverage could be a necessity. This coverage will provide you with coverage if your car is stolen, damaged, or if you are at fault in an accident. This type of coverage will likely be required if you took out a loan to buy the car.

Deductible

Finally, you will need to consider your deductible, which is the amount of money you will spend out of pocket before receiving any coverage on a claim. While a lower deductible provides less risk, it comes with higher premiums. If you have a higher deductible, you should make sure you have this money set aside.

If you are in the Huntington, TX area and are looking to learn more about auto insurance, you should contact Integra Inusrance Services to learn more. Integra Insurance Services will help you to better understand your auto insurance needs and can help you to get into a great policy. 

What Toys Can Be Insured

Motorized vehicles are required to have insurance in order to provide sufficient coverage in case you are in an accident. Toys are no exception. Toys are vehicles that are mainly used for recreational purposes. You can get your vehicles insured in Huntington, TX through the Integra Insurance Services.

What are Toys?

Toys are recreational motorized vehicles, which can include but are not limited to RVs, dune buggies, sand rails, all-terrain vehicles, motorcycles, personal watercraft, collectible vehicles, snowmobiles, golf carts, and boats. These vehicles are expensive to purchase and maintain, so any damages to other people or property could result in, not only the loss of the vehicle but could also result in a lawsuit with a large monetary payout.

What Insurance is for Toys?

If you’re moving to Texas, you have 30 days to get insurance. Check with your local independent agents to find out the minimum coverage for your vehicles.

Bodily Injury Liability – covers claims against you if you injure someone. It could help pay for medical expenses.

Property Damage Liability – if you cause damage to another person’s property, you could be responsible for paying for repairs without coverage.

Comprehensive – when your vehicle is damaged from something other than an accident, such as a fire, vandalism, and theft.

Uninsured/Underinsured Motorist – if you have an accident with a vehicle with an owner that is not covered by insurance, you could be covered for repairing or replacing your vehicle.

How to Purchase Toy Insurance

With the independent agents in Huntington, TX at Integra Insurance Services, they’ll be able to search through many policies to provide you with the best option for your recreational vehicle. They will also be able to advise you on the best coverage option for your needs. Stop by today and get your vehicle fully insured.

Am I Required to Have Boat Insurance?

If you are considering purchasing a boat, it’s likely that you have put hours of time and effort into your search. From talking to avid boaters to reading online reviews, it’s important to ensure you purchase a boat that fits your wants and needs. During this process, don’t overlook boat insurance to keep yourself protected. But are you required to have boat insurance? Our team at Integra Insurance Services, serving Huntington, TX, takes a deeper look into the factors that go into answering this common question.

Your State

The first thing you should do is check with your state on boat insurance requirements. While most states, including Texas, do not require boat insurance, some do. If your state does require boat insurance, it may be for boats with specific engines.

Your Bank

If you finance your boat through your bank, boat insurance will likely be a requirement. Oftentimes, your bank will not provide a loan for a boat if you don’t have proof of insurance that covers the entire value of the boat.

Where You Dock Your Boat

Will you be docking your boat at a marina? If so, carefully read the marina contract, as it is likely boat insurance is required to use the facility.

Do You Need Boat Insurance?

While boat insurance is not always required, you should still consider its many benefits. Boat insurance provides peace of mind and protection if something unexpected happened while you were out on the water, and in other situations.

There are several types of boat insurance. Your Integra Insurance Services agent, serving Huntington, TX, can help answer your questions and determine the type of boat insurance that fit your needs. Contact our team today for more information.