Month: August 2017

Business Security Systems And How It Affects Your Commercial Insurance Policy

Posted on by AgentInsure

The integrity of the agents and staffer at Integra Insurance Services is a bedrock of how we do business and how we treat your business. We hope that your business located in Huntington, TX or wherever it is in the greater Texas area has a slew of employees and clients that are filled with respect and integrity. While we are certain that we share this hope, we both know that unfortunately that is not always the case.

The Right Security System is Everything

False Claims

The amount of fraudulent claims against insurance companies continues to be on the rise. Amounts soar into the millions concerning false claims of slip and falls on business property. Having a security system in place that includes cameras can easily identify the fraudulent claims against your business.

Theft of Services or Products

Appropriately placed cameras can be a major deterrent against crime on your business property. In additions security systems can sound silent alerts to you when a theft has been initiated that could possibly prevent the full commission of the crime. There are a multitude of savvy systems on the market to help ensure you are able to keep your business safe and retain your profit margin.

Insurance Discounts

Speaking with an agent today regarding insurance rate discounts your company may be eligible for if you have a security system in place at your business is a worthwhile pursuit. Not only can you save against fraudulent claims and theft your policy rate may be lower because you have preventative measures in place for protection. 

Stop by our offices at Integra Insurance Services located in Huntington, TX to further discuss how we can work together to ensure that your business has the best insurance protection.  

Choosing Homeowners Insurance in Huntington, TX from Integra Insurance Services

Posted on by AgentInsure

A homeowner’s insurance policy will provide funds to repair or replace your home and personal property, if they are damaged in an unforeseen event. If you are looking for homeowners insurance in Huntington, TX, there is a lot to consider. Besides basic coverage, you will want to consider optional coverage for unanticipated losses. Your Integra Insurance Services agent can help provide information or quotes on the best options for your policy.

Texas Homeowners Insurance

Most homeowner’s policies in Huntington, TX contain one or more of these coverages:

  • Dwelling covers your home in case of damage.
  • Personal property pays for household good, such as furniture, appliances, clothes, that are stolen or damaged. 
  • Other structures pay to repair or rebuild detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses while your home is being repaired. (Usually less than 24 months of coverage.)
  • Personal liability pays court costs and damages (if you are found legally responsible) for someone else’s personal injury of property damage that took place on your property.
  • Medical payments pay the medical costs if someone is hurt on your property. 

Types of Policies

The two types of policies sold in Texas are all-risk policies and named perils policies. All-risk policies (comprehensive coverage) give you broad coverage for any and all causes of loss, with specific exemptions. Named perils policies are narrower and more cost effective. They offer protection on named perils based on the policyholder’s elections. This gives you more control over your coverage but is less comprehensive than all-risk policies.

Talk to your Integra Insurance Services agent for more information on how to get the coverage you need for your home.

Contact Us

Call us today at 800-655-2159 for more information on your Huntington, TX home insurance needs.