How Auto Insurance Can Protect You in Huntington, TX

Driving a car on a daily basis in the Huntington, TX area is very common. Those that need to drive a car may take for granted how important this asset is. While it is easy to forget how valuable and necessary your car is, you need to make sure that it is properly covered by insurance. For those that are in Huntington, having a quality auto insurance policy in place can provide many different types of protection.

Gives Necessary Liability Protection

All drivers take on a lot of responsibility whenever they get behind the wheel. If you happen to cause an accident that leads to damage or an injury, you could be found liable. Due to this risk, you need to make sure that you are properly covered with a quality liability insurance policy. This is a state requirement to drive legally and could prove to be very helpful if you ever are found to be at fault. 

Protects Your Car

Beyond the liability coverage, you will also want to make sure that your car is fully protected. If you drive regularly or have a loan payment, you need to make sure that you have financial coverage if your car is damaged during an accident, stolen, or vandalized. A full collision and comprehensive policy will give you this coverage and peace of mind. 

The next time you are looking to protect your car and reduce your liability risk, you should speak with the professionals at Integra Insurance Services. The insurance team at Integra Insurance Services knows all about the risks that come every day you get behind the wheel of your car. They can then help you to build an auto insurance policy that will allow you to mitigate some of these risks. 

How to Find Toy Insurance

Toy insurance is needed for your hobby vehicles, including boats, RVs, and ATVs. Having insurance is part of being a responsible recreational vehicle owner and you want to make sure you protect these items. You can find toy insurance in Huntington TX, just like you can find any other insurance policy.

Basic Types of Coverage

Liability coverage will pay for any third-party damage or personal injury that occurs due to an accident with your recreational toy. Liability coverage can be required for certain toy vehicles, such as RVs, if you driving on a state road. Collision insurance can pay for your toy after an accident. Insurance may be required if you have a loan against the RV or boat. Comprehensive insurance can pay for any damages that are the result of vandalism, fire, water, or theft.

Finding an Agent

In order to find toy insurance, it helps to work with an agent so you can secure adequate coverage. Ask for referrals since word of mouth can be a great way to find an agent. Having a local agent in Huntington TX can be helpful since many people prefer in-person appointments. Be sure to interview prospective agents and talk to them about your exact situation and what kind of insurance you need. It helps if your agent is a true expert in toy insurance. An experienced agent can make your case to a claims department and keep an eye on any insurance requirements that can change over the years.

Bundling Coverage

If you own multiple recreation toys then you may be able to save money on your policies by bundling coverage at Integra Insurance Services. Start with current insurance agents to get a quote. You can also have added convenience since all of your policies will be in one place.

Contact Integra Insurance Services to get a quote on toy insurance. 

When is it a good idea to get boat insurance in Texas

Due to the hot summers, investing in a boat in the Huntington, TX area can be a great option. When you have a boat, you will have a great option for spending a hot summer day. While a boat can provide you with a lot of great memories and fun days, it is also a valuable investment. There are several situations in which it would be a good idea to get boat insurance to properly protect your asset.

When You Need Liability Protection

The first situation in which you should have boat insurance is when you need liability protection. Those that operate a boat are taking on a lot of liability risk whenever they use their boat. Not only can you be found liable for boat damage that occurs in an accident, but you could also be liable for any injuries sustained by passengers or anyone else in the water. When you have boat insurance, you will receive protection for this.

When You Invested Your Money

A boat is also a big investment that you need to protect. Since boats can be very expensive, you should make sure that you have money in place to repair or replace it if you suffer a loss. When you have boat insurance, you will receive coverage for a variety of situations that could result in a loss. 

When you are looking for boat insurance in Texas, you should reach out to the team at Integra Insurance Services. The professionals at the Integra Insurance Services know very well what the needs are of Huntington, TX boat owners. They will be able to get you into a policy that will provide you with ample liability protection while also ensuring your boat is properly covered. 

How Workers Compensation Protects Workers and Businesses

The Texas Department of Insurance sets the rules on worker’s compensation in the state.  However, these regulations are more than legal requirements. Businesses and their workers both benefit from a comprehensive worker’s compensation package. How can a customized worker’s compensation package from Integra Insurance Services help your Huntington, TX business thrive?

How Worker’s Compensation Benefits Employees

Worker’s compensation insurance was created as a way to help workers recover from injuries sustained while they’re on the job. In order to ensure each injured worker has the best chance of a full recovery, worker’s compensation provides funds for essential services and treatments, like:

  • Care from primary physicians and specialists
  • Surgeries
  • Physical rehabilitation
  • Drug therapies, including pain relief

Many plans also provide workers with a portion of their regular income. This allows them to live a comparatively comfortable life while healing.

How Worker’s Compensation Benefits Employers

While worker’s compensation is meant to benefit injured workers, their employers also benefit from this unique coverage.

  • Employers can retain excellent workers. Rather than lose your best employees, worker’s compensation allows them to heal and return to the job quickly.
  • Employers can better manage healthcare costs. For employers who offer healthcare packages to their employees, having a worker’s compensation plan helps them cut down on chronic pain and lingering issues related to workplace accidents. This leads to lower healthcare costs for your entire staff.
  • Employers make a more attractive option. In high-competition trades, a well-planned benefits package could make the difference between hiring the best and taking what’s left. Include worker’s compensation in your benefits to woo in-demand workers.

Worker’s compensation is an excellent value for employers and their employees. Contact the representatives at Integra Insurance Services to learn how our worker’s compensation plans can improve your Huntington, TX area business.

What Is A Specialty Property Insurance Policy?

When you’re in Huntington, TX, it’s important to look at how insurance products can provide protection for the things that you own. There may be unique situations where you have property that needs to be covered. While you may live in one home and have a homeowner’s insurance policy, specialty property insurance can be used for other scenarios.

When to Have Specialty Property Insurance

At Integra Insurance Services, we can help you to determine when it’s best to explore specialty property insurance. This can be used in scenarios when you have a vacation home, a rental property, or even a vacant home that’s been on the market for a while.

Since it’s not your primary home, there’s no need to have homeowners insurance on it. However, you don’t want to leave it without any insurance in case something happens to it. Whether it gets damaged in a storm or someone vandalizes it, you want to be able to file a claim with the insurance company. It offers you the financial protection needed so that you can enjoy greater peace of mind.

Choosing the Right Coverage

It can be overwhelming to decide exactly what kind of coverage you need for a property. By working with an independent insurance agent, you can get recommendations. We’ll need to know things like how much the property is worth, how often it is occupied, and how long you plan on maintaining ownership of it.

Once we know more about your property, we can help you to get the coverage needed. This way, you won’t be out of pocket for all of the damage in the event that something does happen.

We’re here to help you with your property insurance needs in Huntington, TX. Call us at Integra Insurance Services to talk to an agent and learn more about how we can assist you with a policy.

 

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.