Month: August 2013

If I can Afford the Deductible, Instead of 1% can I set a 5% Deductible on my Home Insurance in Lufkin, TX?

Posted on by AgentInsure

The deductible on your home insurance in Lufkin, Texas can have a wide range of pricing options. Although many companies will focus on a set amount, such as $500, other companies will allow you to select a percentage of the amount for your deductible.

When you are discussing the percentage, the most common option companies provide is 1 percent. Otherwise, you will be given specific price options. The only way to get a higher percentage if it is affordable is by calling your provider directly and making a request.

In some cases, the company may have an upper limit of one percent. In that situation, you may not be able to get a higher percentage and a lower rate on your monthly payments because the amount is the maximum. Other companies will not set a maximum upper limit, so it might be possible to ask for a higher deductible percentage if it is available.

The only way to determine your options through a particular company is calling and asking for the details. The representative of the company should provide details about the options available and the maximum percentage the company allows you to take out. In some cases, you will have options to increase the amount to 5 percent, but only if you make a formal request for the change.

The amount you pay in your deductible will always depend on the options you select when you are looking for an insurance company. In some cases, you will be able to make the choice to increase the amount for a lower monthly rate. To learn more about your options or companies that allow a higher rate, contact us to talk to an independent agent.

Whose Insurance Company is Held Responsible if my Boat Gets Lit up by Police Gun Fire to Catch a Fugitive in Lufkin, Texas?

Posted on by AgentInsure

When police fire a weapon at a fugitive during a chase, it is possible for property damage to occur. If a boat is damaged in Lufkin, Texas during police activity, the responsible party for the damages will depend on the situation.

If police gun fire is the cause of the damage, then the department’s insurance company will usually pay for the damages to personal property. Although the officers take measures to avoid gun fire in any public location, it is sometimes a necessary part of catching a fugitive. Unfortunately, damage can occur to third party belongings and the police are liable for that damage in most situations.

While the department will usually pay for the damaged through their insurance, the situation will ultimately dictate the responsible party. In a situation that is related to passersby or uninvolved third parties, you are not responsible for the damage and you can take your request for repairs to the department. If you are involved in the situation, then the damages may or may not be covered by the department. For example, if you are held hostage, then you are not liable for damages to your property. If you are actively involved in a criminal act, then the damage is due to personal actions and you are held responsible for the repairs and repair costs.

Ultimately, the insurance that pays for damages to a boat from crossfire is the department. Since the officers were involved directly and you are an uninvolved third party, you will be able to make a claim with the department. If you want to learn more about legalities related to police activities and property damage, contact us to talk to an independent agent.

What are some good home insurance online comparison tools in Lufkin, Texas?

Posted on by AgentInsure

If you have been busy looking around Lufkin, Texas to buy your very first home, you should be excited. Home ownership is still the American Dream and you want to make sure you do everything right. In addition to shopping around for a house and a mortgage, it is also important to shop for a good home insurance policy.

A home policy provides liability and property damage coverage. While that may seem fairly easy to understand, there are things that are not covered by one Texas insurance company that are not covered by another. You may not be covered for all perils and a policy may include certain exclusions. Coverage may be limited for some types of claims. One of the best ways to learn about your options is to go online and make use of the easily accessible home insurance comparison tools.

Here at Integra Insurance we have a powerful online comparison tool that will give you up-to-the-minute quotes from dozens of different home insurance providers. As an independent insurance agency, we are always focused on getting you the most affordable home policy that gives you the liability, dwelling and contents coverage that you need.

Rates in the Texas home insurance market are always changing so it is important to use our comparison tool to see if your current insurer still offers the best policy. If you made changes to your home such as adding an alarm system or replacing your roof, you can use the comparison tool to see if, and how much you may be able to lower your premium.

Use our convenient online comparison tool to get started and see for yourself what different insurance companies are charging. Remember that as your independent agent, you can always contact us with any questions you have. Every independent agent, here in Lufkin, will work hard to make sure you get the best policy at the best rate.

Will my car insurance policy cover trailer/caravan or any vehicle I might tow in Lufkin, Texas?

Posted on by AgentInsure

Car insurance protects people from having to pay costly repair bills if their car is damaged because of an accident. But what about if your vehicle is able to tow a trailer? People who can tow trailers wonder if their insurance will cover it. Or, will they need some other kind of policy? Here are some things to think about when it comes to insurance and a trailer.

Your Caravan and Insurance Policy

· Under normal circumstance the liability part of your policy may extend to the trailer you are towing. If someone is injured because of contact with the trailer, then you auto policy should pay for the injuries.

· If your trailer is damaged because of contact with another vehicle or from a storm, then you will need to have a trailer insurance policy.

· A trailer policy can be purchased to cover damages to your trailer from a covered peril. This kind of policy will cover damages from accidents, storm related damages, theft and even vandalism.

· In some cases the policy may also cover the expenses related to towing or break down problems. If the trailer has a flat tire or needs to be hauled some place, then the policy may cover those expenses.

If you live in the Lufkin, Texas area and have any questions about your insurance, then please contact your independent agent. As you independent agents we can help answer all of your questions. It’s important that you give us a call so that we can give you specific details for your circumstances and we can help you get the right policy for your needs. After all you do not want to out towing a trailer and end up not being covered in an accident.