In Lufkin, Texas, Does my Boat Policy Cover my Hoist, Since the Dock Policy Does Not? What are the Factors that Affect my Boat Insurance Cost in Lufkin, TX?

After you purchase boat insurance in Lufkin, Texas, you may worry about what is covered. Depending on the policy, hoist may or may not be covered by the policy on your vessel. The details of any policy can vary based on the amount of protection on your plan. Due to the variations between insurers, the factors that impact your cost may also differ.


A key factor that may impact the cost of your boat insurance is the coverage amount. In most cases, adding more coverage will cause the insurer to increase your premium. Depending on the details of any plan, the exact impact of adding coverage may vary.

The Deductible

If you are willing to pay a higher deductible, then you may be able to reduce your monthly premium. The deductible may impact your rates based on the amount that you are willing to pay if an accident occurs.

Your Boating History

Historical factors may impact your rate, depending on the details of your boating experience. If you have been in an accident on the water, then you may have a slightly higher premium when compared to an individual who has never been in an accident.

Safety Features

In some cases, insurers may offer discounts or special options if your boat has a variety of safety features. The reason relates to your risk. If you have safety features, then the risk that guests or family members will be injured on your vessel is limited.

Several factors can contribute to the price of your boat insurance, including the addition of hoist coverage. Depending on the details of your plan, the impact on your current cost may vary. Contact us to talk to an independent agent to learn more about finding the right coverage for your goals.

How is Lufkin, TX RV Insurance Different From Auto Insurance?

If you are considering whether or not you need separate Recreational Vehicle insurance for your RV when you already own car or truck insurance, this is definitely a job for your independent agent. We are happy to help you determine exactly what your Lufkin Texas auto and RV insurance needs are. In most cases RV insurance is absolutely necessary and is a vital part of owning a Recreational Vehicle, in fact. In many cases your RV insurance will cover situations that your auto insurance is not equipped to handle. Following is a brief list of that important differences between what an RV policy and a car insurance policy will usually cover.

-Personal items like clothes, valuables, and equipment are part of your Recreational Vehicle policy while they are usually not included under a policy for auto ownership. If you have personal items stolen from your car you will usually not be able to have this covered unless you have special policy additions, but your RV policy will automatically include this.

-If someone gets injured while they are on your Recreational Vehicle, or when they are in the vicinity of your Recreational Vehicle camp site, you will have protection for any personal injury claim that they may make under your RV policy. Your auto policy does not have this type of protection because an RV is considered more of a "home on wheels" for insurance purposes while the auto is considered as a transport only vehicle.

-If you experience a breakdown while traveling and this impedes you from getting to your destination and therefore your place to stay at night, your RV insurance will cover this. This means you’d be able to get a hotel or motel and transport there. With auto insurance it is different, such coverage does not exist as it is a transport only vehicle.

As your independent agent in Lufkin Texas we are more than happy to help craft a policy just for you. Please give us a call today!

If I Operate My Business from Home, Will My Homeowners’ Insurance Cover Me in Lufkin, Texas?

While many Lufkin, Texas homeowners operate a business from within their home, many do not understand whether or not they are covered under their existing insurance policy limits. While the exact answer to this question varies by insurance provider, the simplest answer is often no.

Take having a delivery man come to your home with product for your business as an example. If he or she slips and falls on your front step or trips over a rug, you may not be covered for the liability associated with this claim. Simply put, you and your business would be forced to pay out of pocket. The same goes if you have a garage full of inventory. If a fire or flood were to happen, destroying those items, your policy would not cover replacement of those items.

Why? Many policy contracts include exclusions for businesses operated within your home. However, this can often be remedied with an extra business policy. If your work activities are limited or do not include inventory, some insurance companies can also issue a simple endorsement to your existing homeowners policy for a minimal fee. Errors and omissions coverage is also a good idea, especially if you do any type of consulting or writing work from your home.

Of course, the easiest way to determine what type of coverage you need for your home based business is to talk to your Lufkin, Texas independent agent. Don’t delay on this, as failure to do so could end up costing you and your business a ton of money in the event of a catastrophic claim.

Do I Need to Notify Integra Home Insurance if I Change My Name or Add an Individual to the Deed for My Home in Lufkin, TX?

There are a wide variety of reasons why you might add (or remove) an individual from your property deed or change your name over the course of the policy period. Marriages, divorces, and/or business transactions are often key reasons why homeowners would opt make such decisions. However, it is important that you notify Integra Home Insurance if either of these scenarios are enacted during the policy period.

Why? Well, for starters, an insurance policy is technically a legally-binding contract. While Integra Home Insurance won’t cancel your policy for not notifying them of a name change, per se, it is still important. An example of when this might come into play is if you ever have a claim. In order to write the insurance claim’s check from your homeowner’s policy, it would be vital for them to have the correct names for all owners of the property. Instances where a person might remove a former spouse or partner from the deed are also important to report, as it allows the carrier to know exactly who is in the home posing risk on a daily basis.

Frankly, it is important to let your independent agent know about any major changes you make to your home. While not everything will always need to be documented, if your agent knows what is going on, he or she can make sure you are completely covered should an unexpected situation or claim arise.

For more information about homeowners insurance, policy contracts, and other similar topics, please contact your local Lufkin, Texas independent agent today.