Month: December 2019

Understanding the Basics of Auto Insurance

Posted on by AgentInsure

Auto liability insurance coverage is required in most every state. Legally, you have to have it, but do you understand what it is and how it works? Here at Integra Insurance Services in Huntington, TX want to help you understand just what insurance does for you.

There are many insured motorists that pay their premiums because they have to but many are unsure of what exactly they are paying for. While auto insurance coverage varies, there are some basics that are involved in nearly all policies. However, the amount of coverage also varies according to the policy you choose. 

Basics of Auto Insurance

When shopping for auto insurance, you will likely hear of these six different kinds of coverage:

1. Collision

Typically, collision coverage covers damage to your vehicle that is caused by a collision with another vehicle and things such as potholes whether you are at fault or not. If someone else causes the collision, your insurer will generally reimburse you for the damage caused, then try to recover that amount from the at-fault party’s insurer.

2. Uninsured and Underinsured Motorist

Sadly, not everyone covers insurance. Even worse, not everyone sticks around at the scene of a collision. Uninsured and underinsured motorist coverage is an insurance option you have to protect you during this time.

3. Medical Payments or Personal Injury Protection (PIP)

If people in the policyholder’s car are injured, this coverage should take care of the medical payments. It will also likely take care of lost wages and funeral costs associated with the collision, though you should always double-check with your agent on this.

4. Bodily Injury

Bodily injury is intended to cover injuries sustained by parties outside of the policyholder’s vehicle. There are usually state minimums, but many motorists opt for a higher amount of coverage in case of serious injury.

5. Property Damage

Similar to bodily injury coverage, property damage covers the damage done to other people’s property. In addition to vehicles, it may also cover damage to structures, lampposts, fences, telephone poles, and more.

6. Comprehensive

Comprehensive coverage is typically not a requirement, but it is popular. It is intended to cover events such as fire, vandalism, contact with animals such as deer, storm damage, and more.

If you are in the Huntington, TX area, Integra Insurance Services wants to make sure you get the coverage you need. Stop by or give us a call to get you covered today!

Tips for Making Your Home More Secure

Posted on by AgentInsure

Everyone wants to be sure that they and their family stays safe and secure in their home at all times. And there are definitely ways to better ensure that, so here are some tips, courtesy of Integra Insurance Services serving the Huntington, TX area.

Security cameras

You cannot have your eyes on every inch of your property at all times, but that is where the security camera helps you. It monitors your home and surrounding area and helps you stay on top of any potential problems.

Security lights

Lights that are specifically for security purposes are great at making your home more secure. There are lights available for both indoor and outdoor use. Before installing them, consider the best places and uses for them.

Burglar alarms

The age-old devices known as burglar alarms have never gone out of style and for good reason. They work hard to effectively repel potential intruders and thieves.

Outdoor lights

Make sure you have plenty of outdoor lights, especially in strategic locations such as near doors, along walkways and by the driveway. A well-lit property is a deterrent for would-be intruders.

Motion sensors

Another piece of equipment that can help with security is the motion sensor that for example causes lights to come on when they detect any motion outside around the house.

Windows and doors

Of course, windows and doors provide an excellent barrier between a resident and the outside world, so they are built-in security features. But it is important to keep windows and doors locked at all times, whether you are at home or not.

If you are looking for home insurance locally, consider Integra Insurance Services serving the Huntington, TX area. We can help you figure out ways to make your property secure while providing added peace of mind.