Month: February 2019

Insure Your “Toys” for Grown Ups

Posted on by AgentInsure

When we speak of “toys” for adults, it is a colloquial way of describing various recreational and sports vehicles that people use mostly to have fun. This category includes things like all-terrain vehicles, boats, dune buggies, golf carts, kayaks, motorbikes, racing bikes, sand rails, snowmobiles, and travel trailers. It also includes personal watercraft, such as jet skis, windsurfing boards, and equipment used for parasailing.

There are so many kinds of toys for adults that fall into this category. Each type needs to have special insurance coverage. Consult with your insurance agent at Integra Insurance Services, serving Huntington, TX and the surrounding area, to get a quote for adequate coverage.

It is important to understand that many insurance policies have exclusions for some of these activities and this needs to be discussed with your agent as well. For example, enjoying extreme sports may invalidate a claim under a life insurance policy as a specific exclusion. Ask your agent to review all of your insurance policies to make sure any conflicts of this type are sorted out.

Other concerns about insurance coverage for toys are making sure they are protected against theft or damage when in transport and while in storage. Additionally, allowing others to use your toys may increase your liability. This is something to discuss with your agent as well.

The key lesson to learn about insuring recreational toys is to make sure your insurance coverage is adequate before going out to use them. In this way, you will avoid the disaster of lacking proper insurance if some unforeseen accident happens.

To get a quote or update your toy insurance, make a list of all of the items that you own. Use the replacement cost of getting a new one, of the exact same type, as the amount of coverage needed for the equipment. Then, add extra insurance protection for any potential damage to the property of others and the liability for injuries or death. Contact your agent at Integra Insurance Services in Huntington, TX for an insurance update and then go out to have some fun.

Why It’s Important to Review Your Boat Policy Every Year

Posted on by AgentInsure

Texas residents are fortunate to have a lot of lakes to enjoy and explore, and what better way to do so than on a boat? Your boat policy should be reviewed every year to ensure that your coverage is up to date and meets your current needs. The team at Integra Insurance Services is proud to meet the protection needs of our friends and neighbors in the Huntington, TX area.

Your boat policy will likely include information about the distance that you trailer your vessel, whether you store it in dry dock during the off-season and the frequency with which you use it. Because these variables can change from year to year, it makes sense to do a quick annual check to make sure that your coverage is adequate for your current use.

Enjoy Your Time on the Water Responsibly

Boat ownership comes with a high level of responsibility. You are responsible for both your vessel and its passengers along with the safety of the other craft that is also on the water. Comprehensive boat insurance is vital to protect yourself and your assets in the event that you are involved in a mishap with another boat or someone else’s property. When you have an annual policy review you can rest assured that the information associated with your policy is accurate and up to date and that you have the protection that you need. When you know that both you and the other boaters on the water are protected, you and your passengers can enjoy the beautiful lakes that we are fortunate enough to have here in Texas!

Are you in need of a boat policy review? Contact the Huntington, TX team at Integra Insurance Services today to schedule your consultation.