Month: September 2019

Homeowner’s Insurance Helps Protect Your Home

Posted on by AgentInsure

Accidents happen at home and they can be expensive. If you injure someone or damage their property by accident, it can have serious financial repercussions. This is especially true if the person gets a lawyer and decides to sue you. Protect the equity that you’ve built in your home with a homeowners insurance policy, which can pay for slips and falls and other covered events on your property and away from home.

What’s Covered?

Your home insurance policy won’t cover auto accidents, but it does cover events away from home. Maybe you wipe out on the slopes and take another skier down in the process, or perhaps you take a hot casserole over to the new neighbors and they get burnt while grabbing the dish. These events may be covered under your Huntington, TX insurance policy.

What If It’s My Fault?

The expectation under the law is that you act reasonably. If you react and behave unreasonably, and someone gets hurt, you can be held negligent. For example, if you accidentally knock someone down because you’re looking at your cell phone, you might be accused of negligence because a reasonable person looks ahead while walking.

Your homeowner’s policy typically covers the negligent behavior of you and your family. For example, if your kids hit a baseball through your neighbor’s window while practicing for the big game, your home liability insurance will probably cover the damage. Ask you Integra Insurance Services agent what coverage is available to protect your family.

Lawsuits

Your homeowner’s insurance may pay for a lawyer in case of a lawsuit. Depending on your coverage options, it may cover court fees as well. This is a huge relief when you are undergoing the stress and expense of a lawsuit for an unintentional event.

Come by Integra Insurance Services or make an appointment to receive a quote to protect your Huntington, TX home.

 

 

 

How Auto Insurance Can Protect You in Huntington, TX

Posted on by AgentInsure

Driving a car on a daily basis in the Huntington, TX area is very common. Those that need to drive a car may take for granted how important this asset is. While it is easy to forget how valuable and necessary your car is, you need to make sure that it is properly covered by insurance. For those that are in Huntington, having a quality auto insurance policy in place can provide many different types of protection.

Gives Necessary Liability Protection

All drivers take on a lot of responsibility whenever they get behind the wheel. If you happen to cause an accident that leads to damage or an injury, you could be found liable. Due to this risk, you need to make sure that you are properly covered with a quality liability insurance policy. This is a state requirement to drive legally and could prove to be very helpful if you ever are found to be at fault. 

Protects Your Car

Beyond the liability coverage, you will also want to make sure that your car is fully protected. If you drive regularly or have a loan payment, you need to make sure that you have financial coverage if your car is damaged during an accident, stolen, or vandalized. A full collision and comprehensive policy will give you this coverage and peace of mind. 

The next time you are looking to protect your car and reduce your liability risk, you should speak with the professionals at Integra Insurance Services. The insurance team at Integra Insurance Services knows all about the risks that come every day you get behind the wheel of your car. They can then help you to build an auto insurance policy that will allow you to mitigate some of these risks.