We at Integra Insurance Company of Lufkin are proud to provide local Texans with two of the most essential insurance products today: Home insurance and auto insurance. We are local Texas residents ourselves, so we are well versed in all of the laws regarding Texas vehicle insurance and home insurance. This state does require you to hold auto insurance, and in most cases the provider of your Texas mortgage will require you to hold home insurance coverage as well.
It is our goal to present only the best auto and home insurance products to you. We work with many major insurance providers so that we are able to get you the best prices and the most attractive policies. Our clients will always have a wide menu of choices because our independent agent status offers us so many opportunities to work with all the best insurance providers.
While every client is unique, we do find that most people can get extremely competitive prices on their auto and home insurance policies by following a few simple tips from our independent agents. One important thing is to keep your driving record as "clean" as possible. The fewer accidents you have, the lower we can get your monthly payments. Another tip is to combine your policies. Having your car insurance and home insurance in a single package through us here at Integra will allow us to give you a great deal, and it will allow you to save time and effort when you pay your bills each month. Finally, don’t be afraid to do some price shopping when it comes to your policies. We will give you multiple options for insurance provider and policy, and you can pick the one that meets your budgetary needs the best!
Don’t get caught without the car insurance and home insurance you need. We will help you get the best rates with the least effort. Try our live insurance quote comparison tool online or phone us anytime for free quotes!
You’re ready to buy your dream home in Henderson, TX. But before your mortgage lender will give you the home-loan dollars you need to fund the purchase of this residence, you need to present proof that you’ve taken out the proper home insurance coverage.
This isn’t an unusual situation. Mortgage lenders throughout Henderson require that their borrowers take out homeowners insurance before they’ll give you a loan.
Of course, no one likes to pay for home insurance coverage. This type of insurance is not inexpensive. You can expect to pay about $1,000 a year for this insurance, depending on the size and location of your home.
The good news? It’s easier than ever for homebuyers to shop around for the lowest-cost homeowners insurance. That’s because we offer our own online rate-shopping tool. With this tool, you can quickly enter the important information about your home, hit "enter" and wait for homeowners insurance quotes from the biggest names in the insurance business.
Once you are armed with these quotes, you can determine which offers the most protection for your home at the best price.
Be careful, though. You don’t necessarily want to choose the lowest-cost policy. You need the policy that provides you with the financial protection you need in case your home is damaged or destroyed by a natural disaster. You also want a policy that will provide you with enough of a financial cushion should a burglar break into your residence and steal your electronics, jewelry and other valuable items. Remember, the cheapest insurance policy isn’t always the best.
We can help you make the right homeowners insurance decision, whether it’s through our online rate-shopping tool or through the expertise of our roster of independent insurance agents. If you’re in the market for a homeowners insurance policy, call us today. We are ready to help you find the right policy for both your home and your budget.
Having fun and fantastic toys is one of the privileges of being a grown up, but with that privilege does come a responsibility: Protecting the toys that you spent your hard earned money on. Toy insurance is something that people may not initially think about since the items in question are often used only for recreational purposes. However, you are easily able to insure your toys, just the same way that you are able to insure your daily driver vehicles and your home.
The types of toys that are insured under a toy policy will typically include nearly anything that has a motor and is used for some type of transport. It is not necessary for the toy to ever be taken onto public roads for it to be insured. Some of the toys most commonly covered by a toy policy will include: Watercrafts of all types (boats, jet skis,) motor homes (recreational vehicles,) golf carts, dune buggies, All Terrain Vehicles (ATVs,) classic cars, antique cars, campers, and trailers.
The type of coverage that you get will depend partly on whether the vehicle is ever taken on the road or not (or on public waterways in the case of watercraft.) If you live in Jacksonville, TX and use your ATV on public property, for example, or if you transport your ATV on public roads, you’ll need to get the same general type of coverage that you have on your primary vehicles:
- Comprehensive (for theft or non collision damage)
- Collision (for damage during collisions of any variety)
- Liability (for damage that happens to others when you are responsible)
If you only use your toy on private property, for example if you have a jet ski that you only use on a lake that you own, you may decide that a smaller policy would work well for you. However, you may still want to try to get full coverage in case of theft, or if someone was hurt due to your actions while using the toy.
It’s easy to get the toy insurance coverage you need, and it is probably much less expensive than you were expecting. At Integra Insurance Services, we work with many different major insurance providers so we can offer you multiple quotes at one time. We will help you find the right policy – and the right price – quickly and easily!
Mortgage lenders in Texas don’t pass their home-loan dollars onto everyone. You’ll need a solid credit score, low debt and a steady job if you want to qualify for a mortgage loan from most lenders in this state. And you’ll need one other thing: a home insurance policy.
Like lenders across the United States, mortgage providers in Texas require that all home buyers who take out a mortgage loan first purchase a homeowners insurance policy. You can’t qualify for mortgage loans in Texas, then, without first providing lenders with proof that you have taken out home insurance.
This might seem like an inconvenience. But you really do need this protection. A solid homeowners insurance policy will provide you with the financial assistance you need to rebuild your home if it is damaged or destroyed in a natural disaster. It will also provide you the dollars you need to replace your most valued possessions if a burglar should break into your home and steal them.
Fortunately, shopping for home insurance policies today is an easy process. That’s because we offer online rate shopping. You can simply enter the basic information about your home to receive quotes from insurance providers serving Texas. You can then shop for the policy that provides your home with the most protection at the most affordable rate.
Online rate comparisons are the easiest way for home buyers to save money while still protecting their home and the valuables inside it. And it’s a far easier process than the old method of shopping for insurance. There was a time when home buyers had to call individual insurance agents and provide their home’s information by phone. This was a process that could easily consume an entire day.
If you need homeowners insurance, be sure to check out our online rate-shopping tool. And then, when you find a policy that fits your needs, call us. We can help you protect your home and meet the requirements of your mortgage lender.