What Is Toy Insurance in Huntington, TX?

If you are interested in learning more about toy insurance in Huntington, TX, you should look up what Integra Insurance Services has to offer.

Some people might be confused about what exactly toy insurance is. Toys for kids are generally different from toys for adults. Adults’ toys are generally much more expensive and are often technical machines, such as motorcycles, sailboats, classic cars, snowmobiles, recreational vehicles, and more. Kids’ toys are more likely to be much smaller and cheaper, such as dolls and sets of building blocks. While adult toys may not be considered to be toys in the traditional sense, they are treated like toys by insurance companies.

Many of these toys are actually vehicles that can be used in very unconventional ways that are not typically performed with regular cars. For example, they are used for activities such as speeding and off-roading. This increases the chance of getting into accidents, which is why it is important to have toy insurance if you have these types of vehicles. These toys are used for all sorts of different purposes, so the insurance coverage that you get for them may vary based on the model. However, most of them will have the same coverage options, which include liability, comprehensive, collision, and underinsured/uninsured coverage. These are somewhat similar to the types of coverage you would get with regular auto insurance, but because you use the toys for different purposes and in different ways, this is going to be a separate category of insurance.

If you are in need of toy insurance in Huntington, TX, you should definitely make an effort to contact the professionals at Integra Insurance Services. Here, there are experts who will be able to answer any questions you might have about toy insurance and perhaps point you in the right direction in terms of getting your own.

Boat Coverage Options in Texas

You recently purchased a boat or other watercraft, such as a jet ski, and can’t wait to hit the water but before you do, there’s one thing that you should take care of first and that is obtaining a boat insurance policy. The agents at Integra Insurance Services in Huntington, TX have the knowledge and experience to assist you in protecting the investment you have made in your boat or watercraft.

While boat and watercraft insurance is not required in the great state of Texas, you should obtain a policy to protect yourself and your beloved boat but what exactly does boat insurance cover?

Boat Insurance Coverage Options

A boat insurance policy will replace or repair your boat or watercraft if it is damaged or destroyed by an act of vandalism, a natural disaster, or a fire. It will also replace your boat or watercraft if it is stolen. Your boat insurance policy can also protect you from liability if you injure someone or damage property in a boating accident. For example, if you hit the dock and someone falls out of your boat onto a rock and is injured, your boat insurance policy will cover the medical bills of the person injured along with any repairs that need to be made to the dock.

To create and obtain a comprehensive boat insurance policy that works best for you and your situation, call upon the trusted boat insurance agents at Integra Insurance Services in Huntington, TX today for a quote and an appointment to get your policy started! You deserve the protection and peace of mind that a boat insurance policy will offer so you can completely relax while you are out on the water.

What is Specialty Property Insurance? Why Should You Consider It For Your Home or Business?

If you require insurance for your home or business in or around Huntington, TX then consider us at Integra Insurance Services. We are happy to answer any questions you may have about insurance, including specialty insurance for your property. 

What is Specialty Property Insurance? Specialty property is a property that has limited (specialized) use. There are pros and cons when it comes to buying and owning a specialty property but what we want to focus on is insuring that specialty property. Specialty property insurance is an insurance policy that covers property incidentals that may be specific to the needs of the business. For example, if a property is set aside as a restaurant or car wash they will want specialty insurance to cover unique issues related to running the business. 

Why Should You Consider This Type of Policy?  If you purchase a more general commercial policy you may be left with less protection than a specialized property policy will provide. Specialty insurance will generally cover everything basic or other levels of commercial insurance will cover but then go further with specific coverage that is unique to your business. You should consider this type of policy if you run a business that has specialty equipment, unique risks, or other elements that make you at a higher personal risk if something goes awry, you may also want to consider this if your property is in a location that puts it at higher risk. 

Integra Insurance Services is proud to serve the community of Huntington, TX and the surrounding areas. Contact us to discuss insurance options if you are considering purchasing a specialty property or if you currently own a property with special insurance considerations.      

What is a business owner’s policy?

Some businesses only need a single insurance policy, the business owner’s policy, to cover their needs. A BOP from Integra Insurance Services bundles the four most common types of commercial insurance into one policy at a discounted premium. If the business purchased all four coverages separately, the premiums would cost significantly more.

The BOP includes coverage for named perils, property damage, business interruption, and liability. The named peril coverage usually includes major perils, such as fire, explosion, wind, hail, smoke, and vandalism. This coverage leaves many items out however, you can opt for a higher level of coverage called all perils or all risk. This makes for a smart choice in Huntington, TX where droughts and tornados can wreak havoc.

The property damage component reimburses the cost of repairs to the structure’s contents. This covers damage or loss of personal property or office equipment. It also covers items belonging to a third party but stored on the property or within its close proximity (within 100 feet of the premises). This means you could have boxes stacked outside the rear door or barrels sitting on the front entry portico, and they would still receive coverage, although they were not technically inside the confines of the business structure.

Business interruption insurance covers your income lost when a named peril creates an unexpected break in the business. In some policies, this coverage also pays for you to operate out of a temporary location.

The liability coverage component protects you from a lawsuit wiping out your business. If an individual or group sues your business due to an injury incurred on the business’ property, your liability component pays:

  • the settlement, 
  • their medical bills, 
  • your legal fees, 
  • court costs.

Contact Integra Insurance Services serving Huntington, TX to learn more about business owner’s policies and other commercial insurance that can protect your business.

Tips for getting your home ready for winter

Your home is a major investment and making sure it is always protected from as many things that can go wrong as possible is important. There are many ways you can protect your home. Doing the necessary maintenance is one and having a good home insurance policy is another. How can you tell if you have a good home insurance policy? If you live in Huntington, TX, you can talk to the knowledgeable team at Integra Insurance Services. They will provide the information you need to make an informed decision and welcome you into the Integra family. 

Check the chimney

If you have a fireplace and you want to use it, you must make sure that not only is your chimney in good repair but that it is clean. Having a chimney fire can cause a lot of damage and it is easily avoidable with proper maintenance. 

Clean the gutters

One of the hallmarks of Fall is the beautifully colored leaves. Those same leaves end up falling on to your roof and eventually end up in your gutters and downspouts. This is not a good thing and can lead to water backing up and causing damage to not only your roof but potentially your walls and ceilings.  

Change the batteries

This is the time of year to change the batteries in your smoke and carbon dioxide detectors. They should be changed twice a year to provide safety. 

Tune-up the furnace

Having your furnace working at maximum efficiency saves you money and provides a safe home for your family. This involves cleaning  the main unit and changing the filters

At  Integra Insurance Services in Huntington, TX, we look forward to working with you to make sure you have the right home insurance. As independent agents, we can provide more choices and we will give you a quality home insurance quote at our office, on the phone, or online. 

In Case of Natural Disaster, Here’s What You Need To Know About Texas Auto Insurance

Unfortunately, natural disasters are occurring now more than ever due to the climate crisis. For Huntington, TX residents that means that floods, hail, strong winds, and storms are wreaking havoc on the area. In case one of these catastrophes damages your car, Integra Insurance Services has explained below what Texas locals need to know about their auto insurance.

Prepare With Your Insurance Company

1.         Make sure you have comprehensive auto insurance. This policy covers damage to your car caused by flooding, hail, fire, or wind.

2.         Double check what your deductible is in case you end up filing a claim.

3.         Make an inventory of what’s in your car. Similar to home insurance, this helps both you and your insurance company calculate any costs of damage. 

What To Do If A Natural Disaster Damages Your Car

Unfortunately, if your car was damaged or totaled from floods, hail, storms, or fire, you have to make a few calls.

•           File a claim as quickly as possible.

•           Keep a record of everyone you talked to.

•           Be ready to answer any questions about the damage.

•           Ask about completing an advanced payment if you need help ASAP.

What Insurance Companies Look For

After you file a claim for natural disaster damage, Integra Insurance Services and other insurance companies will compare the car’s actual cash value to the cost of repairs. 

•           If the cost of fixing it is more than its worth, then the car is considered totaled.

•           As another rule of thumb, if water from flooding reaches the dashboard, it’s considered a total loss.

Are you looking for comprehensive auto insurance or other insurance policies? Contact Integra Insurance Services in Huntington, TX for more information on how to protect your car, home, or business from instances like natural disasters.  

Why should I get toy insurance?

In the Huntington, TX area, there are a lot of great activities that you can enjoy in the great outdoors. To ensure that you are able to enjoy this area as much as possible, you should consider getting a recreational toy. When you have a recreational toy, you will be able to enjoy the area as much as possible. When getting a recreational toy, you should also get proper insurance for it. There are several reasons why you should get this coverage.

Coverage Will Give Liability Protection

One important reason to get a toy insurance policy is that it can provide you with liability protection. Whenever you operate any type of recreational toy, there is always a chance that an accident could occur. If you do cause an accident, you will need to pay for the ensuing damages. Fortunately, you can mitigate this risk if you get a proper toy insurance policy as it will include liability coverage.

Coverage Will Protect Your Toys

While using a recreational toy should be a lot of fun, it is also an important personal asset. Buying and maintaining a toy will take a lot of personal investment and you will want to protect this as well as you can. A great way to do this is with insurance. When you get recreational coverage, you can opt for a full policy that will cover you against virtually any risk that could result in a loss.

Choosing a recreational toy policy in the Huntington, TX area is a very big decision. If you are looking for coverage here, you should call Integra Insurance Services. The team at Integra Insurance Services can help to guide your decision.

Why Boat Insurance Is Important During The Winter

Integra Insurance Services assists the Huntington, TX community by providing residents with multiple types of insurance policies. We help our clients find coverage so that they will be protected in the face of life’s obstacles. We want you to become a part of the Integra Insurance Family.

Why Boat Insurance Is An Asset During The Winter

If you are a boat owner in the Huntington, TX area, boat insurance will protect you against some of the risks associated with operating a boat. The policy covers you in case there is an accidental fire or collision with another boat or object. You can add emergency assistance to cover you if your boat sinks or capsizes. If you are operating your boat with passengers onboard, liability coverage will protect you if someone gets injured on your boat. While you might not think that boat insurance is necessary during the Winter, the policy is actually an asset.

As you prepare to store your boat somewhere until things warm up again, there are a few things that you need to consider. Keep in mind that your boat is still at risk. There is a possibility that someone may steal your boat. A tree could fall over on your storage unit, which could cause serious damages to your boat. An object may fall over on your boat and cause a dent or a scratch. Perhaps a crack forms in the place where you are storing your boat, which could lead to your boat being damaged by inclement weather. Boat insurance allows you to have protection if an unforeseen circumstance arises. Make sure that you research different boat insurance policies carefully.

Integra Insurance Services Will Help You Protect Your Asset

Visit our website to learn more information about boat insurance policies.  

Insuring Your Family Heirloom Jewelry with Specialty Property Insurance

Specialty insurance remains so special that few people know what it really does so Huntington, TX’s Integra Insurance Services created this blog to let you know how to use this little-known type of policy. Most individuals who do know think of it in terms of event insurance. This is the type of policy that people usually purchase to protect their conference, convention, or wedding. 

You can also use this to protect jewelry, a common need when people get engaged since they want to protect the ring through the time of the wedding ceremony. It also protects family heirloom pieces though. A specialty property insurance policy has many uses and while this is not the most common, it does come in handy.

This type of policy can be a primary or a secondary. You can use the property insurance coverage in your home insurance as well as a specialty insurance policy to protect property such as family vases, furniture, jewelry, and other heirlooms. When you use it this way, it functions as a secondary policy.

When you purchase a specialty policy as coverage for an engagement ring, but you have no other insurance policy whatsoever, the policy functions as a primary policy.

Specialty policies protect both tangible and intangible property making them one of the most flexible types of insurance. You can purchase these policies to suit the items you need to insure. You might purchase a policy to cover your engagement ring for $5,000. Two years later, you might purchase a different specialty policy to insure the antiques left to you by a deceased relative in the amount of $500,000. These flexible policies can insure almost any amount as long as your insurance company will underwrite that amount.

Contact Huntington, TX’s Integra Insurance Services for more information on how you can protect your property with a specialty policy. It works as primary or secondary insurance and can cover any type of personal property.

Three mistakes to avoid when you purchase commercial insurance in Texas

Business owners need to understand the importance of having commercial insurance. We can help answer your questions about commercial insurance in Huntington, TX at Integra Insurance Services. 

The following are three mistakes you need to avoid when you purchase commercial insurance in Texas.

Failing to compare options between providers

There are many different insurance providers offering commercial coverage in Texas. You shouldn’t just accept a policy from the first provider you look into.

Instead, you should get quotes on policies from several different providers. Then, you can compare them and choose the one that would be best for your company’s needs and budget. 

Neglecting to perform a risk assessment

One important step you don’t want to skip when you buy commercial insurance coverage in Texas is performing a risk assessment at your company. A risk assessment involves pinpointing your liability risks. 

When you identify the liability risks that your company faces, you become aware of what types of coverage you need. It’s easy to overlook a significant liability if you don’t have a thorough risk assessment done before purchasing a policy. 

Being unaware of the various types of commercial insurance

Commercial insurance is a fairly complex product. There are many different kinds of commercial insurance coverage out there. It’s important to be familiar with these types of coverage to determine which ones you need.

Some of the most important kinds of commercial coverage are commercial auto, commercial property, commercial liability, and worker’s compensation coverage. Understand the different types of coverage and how they work before you purchase a policy. 

To learn more about commercial insurance options in Huntington, TX, get in touch with us at Integra Insurance Services. We can answer your questions and help you find adequate coverage for your commercial needs.