Home Insurance and Your HOA: Who Covers What?

Have you just purchased a new home in Huntington, TX and are wondering what kind of adjustments you need to make to your home insurance with Integra Insurance Services? If you are paying a homeowners association fee every month, you will need to know where the HOA ends and your property begins.

 Read Your Deed

Review your deed with your agent.  If the plot plan only includes the interior of your property, then your liability ends with your front door as long as you take care of your condo. But in neighborhoods with single-family structures and shared outdoor space, the lines of property and responsibility can get blurred. If you are unsure who owns what, make sure to speak with your HOA to clarify the situation as soon as possible.

Sidewalks, Lawns, Porches and Streets

Your property may only include your house and driveway. Even porches and decks that are part of townhouses may belong to the HOA. If the sidewalks are on your plot plan, you will have to maintain them. Who mows the lawn, prunes the trees, and waters the flowers by the gate?  If you see your neighbors taking care of shared areas, ask them if the HOA has approved their assistance. If not, there can be legal repercussions if a repair goes wrong.

If You Maintain It, the Liability is Yours

Any part of your home where the HOA does not provide routine maintenance, you will want to include on your home insurance policy.  You may wish to put up a fence or hedge to define the areas for which you are responsible. If your guest is injured on a shared area, such as the pool or playground, they will be filing a claim against the HOA liability insurance.

Give your agent at Integra Insurance Services for more information on home or commercial insurance options for the Huntington, TX area.

All you need to know about auto insurance

Are you a car owner? Are you wondering why you need to have an insurance cover yet you are a good driver? Well, it is very important regardless of your experience. While on the busy roads, you never know who you will meet on the way and that means there can be both experienced and inexperienced drivers as well as those who don’t care. That means you can never be fully sure that you are risk-free while driving.

That is where Huntington, TX, Integra Insurance Services comes in. We help you plan for any unforeseen risks, and that avoids frustration when any damage occurs. We have employees that are well trained and patient to serve you according to your needs. We understand the many doubts and fears associated with insurance, but we assure you, with us you are safe.

We have different auto insurance coverage options to cater for all your needs. Here are a few.

Comprehensive coverage option

With this coverage option, your vehicle is protected from all the various risks apart from the collision. It covers any risks or damages caused by fire or theft among other damages. Therefore, for those looking for just one overall cover, this could be the best option.

Collision Coverage

As established earlier, you can never be too sure while driving on the busy roads. You might find yourself or the designated driver in a collision accident. In such a case, this coverage option can pay for all the repairs involved in servicing the car.

Liability Coverage

There are days when you might find yourself in an unfortunate position where an accident occurs, and you are the reason. What do you do then and the court requires you to pay for the expenses? Liability coverage takes care any such risks that may occur, and the court finds you liable.

Hope you are convinced of the importance of having car insurance, and if you are, please feel to contact us for more information.

What you need to know about toy insurance

Whoever says that adults do not play with toys has probably never seen a 40-year-old man take an adventurous ride through the rough terrains on his ATV. Perhaps they missed the retired couple who bought a new boat for no other reason other than to have something new to play with while exploring the seas. Regardless of what your fancy is, Huntington, TX, we know that you invest in recreational vehicles of your choosing to get more pleasure out of life. Such is the reason why Integra Insurance Services offers you toy assurance policies that cover your expensive cars, trucks, RVs, ATVs, and boats.

What is toy insurance?
In short, toy assurance is indemnity coverage that pays out when your recreational vehicle is damaged or stolen. No one toy insurance policy works the same for all types of vehicles because, as with cars, some recreational investments cost more than others. You would not purchase a plan that only covers half of your new BMW when searching for auto insurance. In the same manner, you would not search for the cheapest recreational coverage you can find just to say, “I’m covered.”

Things to consider when searching for coverage
You definitely want liability insurance that covers physical injury in the case of an accident when you buy toy assurance. Your policy should have bodily and property damage limits that can pay for everything from medical bills to lost wages as well as property damage.

Another thing to consider when searching for the right toy insurance plan is collision and comprehensive damage. It is not enough to have one without the other since collision coverage only pays for damage caused by accident. Comprehensive coverage, on the other hand, provides financial stability when your ATV, RV, boat or other recreational vehicle is damaged due to things like severe weather and vandalism. You definitely do not want to live in Huntington, TX, where hurricanes are a thing, and try to scoot by without both comprehensive and collision coverage.

You have worked hard for your toys, which is why you should invest in an indemnity policy that fixes or repairs damages when the unimaginable happens. Integra Insurance Services can help you find the right plan.

Do You Need Commecial Insurance At Your Law Firm?

Individualized insurance needs are a mantra of Integra Insurance Services in Huntington, TX. Like your fingerprint is uniquely yours so is the nature of your insurance needs. 

There are many factors to take into consideration when it comes to whether or not you need a commercial insurance policy if you are a licensed and practicing attorney. Commercial insurance has points that deal with the structure of your business. The basic physical property of a business puts the law firm owner at risk.

If your law firm is housed in a building where there are suites of other offices then it is imperative that you discuss with your landlord the specific coverage that your rental or lease agreement offers. These points are very specific and need to be understood fully.

Is your firm run out of your home? Are you meeting clients on the premises of your law firm or only elsewhere? Is your law firm housed alone as a sole structure? Are you renting or leasing the property? Do you own the property that houses your law firm? 

Being a licensed practitioner usually means you need additional insurance arms – including malpractice insurance. Come speak with us today. 

Integra Insurance Services in Huntington, TX takes a stand on how to underwrite insurance. Our agents also specialize in Automobile, Homeowners, and Other (Specialty, Property, Boat, and Toy) Insurance. When it comes to insurance having all of your eggs in one basket is a good thing. Especially when you go with an agency that works with your to provide the very best service by being an active listener when it comes to your insurance concerns. Then we transform into active doers in terms of putting our tremendous level of professional integrity into practice.  

Insure Your Boat During the Winter Months with Integra Insurance Services

Integra Insurance Services reminds its customers to insure their boats during the winter months. You may already have a plan in place that protects your boat from harm during the summer, but what about the winter months? What about when your boat is in storage? 

You may think that your boat is covered while it’s in storage, but that’s not always the case. Homeowners’ policies typically only cover boats and cars if they are parked at stored at your home, on your property. If you store your boat at another location, you may not be reimbursed when your boat is broken into or damaged by the cold weather. To protect your boat, check with your storage provider and make sure that they have the proper levels of insurance. Also, give a call to the trusted, experienced staff at Integra Insurance. They will walk you through the different types of policies and will explain what coverage you need and when. Your boat is an important part of your family. Don’t take any chances with it. Take the steps you need to take now to protect it from harm later. 

Integra Insurance serves the community of Huntington, TX. When you have insurance questions, give them a call at 800-655-2159 or stop by their office at 502 North Main Street. The staff at Integra Insurance are ready to answer your questions. They are well educated on the insurance laws in Texas, and they will help you find the coverage you need to protect your boat from all kinds of hazards. Don’t wait, find the insurance plan that’s right for you and your boat today. 

Types of Commercial Insurance To Protect Your Business

The day a business opens, the owners of the company have elected to face certain risks. This is true even before the first employee has been hired. Business risks require that a company maintain the correct insurance be in place from the get-go.

The reality is, just a solitary lawsuit or catastrophe is enough to financially wipe out a small business before there has been an opportunity to get the business off the ground. Integra Insurance Services offers the following types of insurance to businesses in and around the Huntington, TX area.

Errors & Omissions Insurance (E&O)

E & O Insurance is also known as Professional Liability Insurance. It offers coverage for a business in and around Huntington, TX against:

  • Negligence claims
  • Mistakes, and
  • The Failure to perform

Each industry has its own set of topical issues that Integra Insurance Services will address as they prepare a customized business insurance plan.  

Property Insurance

Property insurance is a must, even for renters. This type of insurance offers coverage for inventory and equipment, in the event of a fire or theft.

Workers’ Compensation Insurance

This type of insurance will cover medical treatments and disability should an employee be injured on the job.

Home-based Businesses Needs

Small businesses typically begin at home. However, home insurance policies DO NOT cover a business the same way a commercial policy can.

Vehicle Insurance

If company vehicles are driven, they should be fully insured to protect against claims.

Business Interruption Insurance

A business’ operations will likely be interrupted if a weather event or catastrophe occurs. During this time, a business will lose income due to the staff’s inability to work. in the office, manufacture products or make sales calls.

Give the experts at Integra Insurance Services a call today!

What Should I Expect When Filing a Home Insurance Claim for Missing Jewelry?

If you have noticed that jewelry is missing from your home, you may look to file an insurance claim with your home insurance company. Here at Integra Insurance Services, we understand that this is something that most people in the greater Huntington, TX area rarely have to do. As such, you may not know what to expect when filing a claim. Here are a few of the things you can expect when filing a home insurance claim for missing jewelry. 

Obtaining a Police Report

Before you can report jewelry missing or stolen from your home, you must first file a police report. When you file a police report, you declare under penalty of perjury that what you are saying is true. This helps assure the insurance company that your jewelry really is missing or has been taken from your home. 

Providing Information About When the Jewelry Went Missing

After obtaining a police report, you will need to contact your home insurance company. During this call, you will list everything missing and provide information about when the jewelry went missing. If your home was burglarized, this is easy to provide. However, if you do not know when your jewelry was taken or stolen, this can be harder. Always do your best to provide truthful information. 

Sit Back and Wait

After providing information to the police and home insurance company, there is nothing else you can do but sit back and wait. The insurance company will investigate your claims and pay you for the value of the jewelry, or the policy jewelry limit, if warranted

If you have valuable jewelry in your home, you may want to list each piece of jewelry separate from your home insurance claim and receive an appraisal. This helps to ensure you receive the full value of the item if it is ever damaged or missing. At Integra Insurance Services, serving the greater Huntington, TX area, we can help you with this process. Call us today to learn how to add jewelry to your existing policy or get an entirely new home insurance policy. 

Things to Keep in Mind when Purchasing Auto Insurance

Most individuals purchasing auto insurance in Texas may not be aware of what they are buying. Understanding your coverage and ensuring that you are adequately protected in the event of an accident is, however, very important. You should not wait until an accident occurs for you to get auto insurance from Integra Insurance Services since you may not get funds to pay for your medical bills or repair your vehicle.

Ensure you are careful when purchasing your policy and to do that, here are some of the things you need to keep in mind;

Know the difference between personal and commercial insurance

 Some people purchase auto insurance in Huntington, TX for private vehicles while others require insurance policy for their commercial cars. The two policies are different even regarding premiums, and you should, therefore, consider the differences before buying the policies.

Avoid buying the minimum required amount of insurance

Do not assume that just because you have an auto insurance coverage, you will be protected entirely after an accident. The protection varies depending on the premiums. Ensure to purchase the maximum amount if possible, for comprehensive protection.

You can get an itemized bill

Your insurance providers do not have the right to stop your repair shop from offering you an itemized bill with the item’s description, manufacturer and the payment billed from the insurance company for the purchase and Labor.

Understand who are protected under your policy

If you have family members, who use the insured vehicle, ensure they are permissive drivers. Otherwise, they will not be protected in the event of an accident, and they could be a hook to large bills if damages occur. Make sure to put this aspect into close consideration.

Having these facts and considerations in mind will help you shop for the best coverage that will ensure complete protection. At Integra Insurance Services, we offer consultation services where we help you make the right decision after listening to your needs. We can assist you to shop for the right policy. Visit or contact us today for more information on auto insurance in Huntington, TX.

Types Of Recreational Vehicles Covered Under Toy Insurance.

Recreational vehicles are likely to be used occasionally unlike your primary vehicle, but that does not mean that you should not get it insured. In fact, using your vehicle for fun or for extreme sports will have additional risks that may make you want to have insurance even more. Luckily, you may find affordable coverage plans if you shop around. Consult with Integra Insurance Services if you have a recreational vehicle in the Huntington, TX area.

Vehicles For Sport

Zipping around in your new ATV or dune buggy sure is a lot of fun, but make sure you have insurance so that you can play around without worrying about the financial risk factors. Sporty recreational vehicles that may be covered under toy insurance include:

  • Golf Carts
  • Dune Buggies
  • All-Terrain Vehicles
  • Classic Collectible Vehicles
  • Snowmobiles
  • Motorcycles

Larger Vehicles Covered Under Toy Insurance

Going on a trip with the family will allow you some time to relax and have fun, but you should still have coverage to protect your family. These vehicles would include trailers, campers, and motor homes.

Watercraft

Recreational watercrafts may be covered under some toy insurance policies. Small watercraft and sailboats would be covered under these plans.

Keep in mind that it should not be assumed that home or car insurance will cover these recreational vehicles when these do not. When they are parked on your property, damages may be covered under some home insurance plans but it depends on the terms of your policy. Accessories kept inside your recreational vehicles may also be covered in most toy insurance plans. If you live within the Huntington, TX area, consider consulting with Integra Insurance Services to see if they have specialized policies for your

Auto insurance coverage options

Are you confused by what is covered in an auto insurance coverage? Unsure of whether to take this cover or not? Integra Insurance Services is here to help you understand car insurance and why it is so important.

If you are in Huntington, TX, or whichever part of the world, you probably know that car insurance is a requirement by law. It is essential that you have this cover lest you attract penalties or even lose your driving license. At Integra Insurance Services, we have a team of well-trained employees who make sure you understand all the terms of insurance as well as all the coverage options before you sign any legal contract.

Every state has its auto insurance requirements. As for Huntington, TX, it is a must for you to have a liability coverage. Let’s look at it in detail.

Liability Coverage

However experienced you are in driving, once in a while you might find yourself involved in an accident. In such a case, if you cause injury to another driver and their passengers or if you cause damage to another person’s vehicle, you are held liable for all the damages. The state requires that you pay for all the medical expenses as well as cater for the car repairs. A liability coverage helps you cater for all the costs incurred.

In addition to Liability Coverage, we also offer collision coverage, comprehensive coverage and personal injury protection. A collision coverage helps you pay for damages caused to your car as a result of a collision with another vehicle or object whereas a comprehensive coverage caters for any damage caused to your vehicle by anything other than collision.

As for personal injury protection, we cover all your medical expenses if you were the driver as well as that of your passengers. Also, depending on your policy, we also cover funeral costs.

Integra Insurance Services is here because of you. Feel free to contact us through our website or call us for more information.