When it comes to owning a home you may come up against repairs that you are simply not ready for. Pest control and repairs of damages from your pest control are likely something you are going to have to deal with at some point during the time you own your home. For those that live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the home policy that covers what you need it to cover.
In terms of pest control and pest repairs, most insurance policies are not going to pay out. The reason being that most home policies view pest control as a matter of home maintenance which means you should be keeping up with it on your own through the course of owning your home. You are not allowed to claim matters of maintenance on your home policy and making sure you are taking care of your home is the best way to prevent damage from pests.
Since home insurance does not generally cover the cost of pest control or repairs due to pests, you should take the time to make sure you are controlling pests as they appear rather than waiting until they cause major damage that is going to have to be repaired. Pests are just that, they are pests and they do cause damage. If you notice that you have an infestation of any sort you should take steps to rid your home of the infestation before it causes major damage to the home.
For those that live in the Huntington, TX area, the agents with Integra Insurance Services can help you to find the home policy that covers what you need it to cover so that you can be sure your home is fully protected.
You might not have realized it when you purchased a classic car like a 1963 candy apple red Corvette Stingray or decided to dedicate your van to work deliveries, but you need different insurance for that special vehicle than you do for the 2018 Acura you drive to work. Let Integra Insurance Services of Huntington, TX help you learn the difference between regular auto insurance, vintage car insurance, and commercial auto insurance.
Regular Auto Insurance
This insurance policy type covers your day-to-day ride. If you buy the state minimum coverage, you’ll have general liability coverage and bodily injury or death coverage for the other party involved in an accident you caused. It will also pay damages to their vehicle. The amount of this coverage depends on the state and its legal requirements.
If you add to the basic policy, you might add comprehensive, collision, PIP, uninsured motorist coverage or rental reimbursement coverage. Comprehensive reimburses you if your vehicle gets stolen, you hit an animal, etc. or it gets damaged by a natural hazard such as fire, flood, hail, etc. Collision covers your car if you hit a pole or a tree. PIP stands for personal injury protection and it pays for medical care for you and your passengers regardless of who causes the accident. Uninsured motorist coverage pays your medical costs if the other driver causes the accident but had no insurance. In some states, it also covers vehicle damage. Rental reimbursement coverage pays for your rental car if you have to obtain one due to an accident rendering your ride undrivable. This is the type of coverage you need for your day-to-day vehicle.
Vintage Car Insurance
Vintage car insurance pays for the replacement of your classic or vintage vehicle if it gets totaled. It also covers replacement parts for repair and the repair costs. It only allows the owner to drive the vintage vehicle for a very limited amount of mileage, normally to and from classic car events and in parades. This equals about 1,000 miles per year.
Commercial Vehicle Insurance
A commercial vehicle insurance policy covers all the same items as a regular auto insurance policy. It only covers your commercial vehicle though. You have the same options as with your day-to-vehicle.
Call or come by Integra Insurance Services of Huntington, TX and talk to us about your auto insurance needs. If you have more than one vehicle type, you need more than one policy.