Month: March 2020

How to Pick Auto Insurance in Texas

Posted on by AgentInsure

For people all over the Huntington, TX area, owning a car is a practical necessity. Without one, getting around town and to and from work could be very hard and inconvenient. If you are going to purchase a car in this area of Texas, it is important to carefully consider your auto insurance needs. There are several tips to follow that can help you to pick a good auto insurance policy. 

Consider Legal Requirements

When you are looking for an auto insurance policy in Texas, the first thing that you need to do is consider the legal requirements that come with having a car. Similar to other states, those that are in Texas need to have liability insurance whenever they are out driving their car on a public road. If you do not have this form of insurance, you could face legal ramifications. 

Think About Car Repairs and Replacements

When you are going to get auto insurance, you should also carefully think about how you would repair or replace your car. If you have a car that is worth a lot of money, it is important that you protect this asset and investment. One of the best ways that you can do this is by getting a full auto insurance policy on your car. 

When you are going to get a car in the Huntington, TX area, it is very important that you get good auto insurance. Having this form of insurance can protect you a wide range of different ways. When you are going to get auto insurance, you should reach out to the team at Integra Insurance Services. When you do call Integra Insurance Services, you can receive guidance and support needed to pick a policy that is right for your situation. 

Home features that require additional coverage under a homeowners policy

Posted on by AgentInsure

Most homeowners in the Huntington, TX area know that one must maintain a homeowners’ insurance policy. However, some fail to realize that some features in a home are not automatically covered or are included on a limited basis. An agent at the Integra Insurance Services can walk through the features of your home to determine if you will require additional coverage under your homeowners’ policy. 

Houses with oil heating 

If you have an older home and it uses oil to heat the house, you will need to add additional coverage. Oil is highly flammable, so extra coverage under your policy will provide additional protection. 

Swimming pools

It is imperative to understand the coverage provided under your home insurance policies for swimming pools. Claims related to pool injuries or death can be extremely high. If your policy limits or excludes this coverage, it is imperative that you add the coverage to your policy. 

Fine Art 

While you may consider fine art personal property, there is a good chance your limit on your homeowners’ insurance policy will not be enough in the event of a claim. It is critical to know the value of the fine art you would like to insure and purchase additional limits. If you have an extensive collection of fine art, you may want to consider a separate fine art policy. 

Computer coverage 

Do you have a media room in your home filled with computers and expensive electronic equipment? If so, you will want to make sure you are purchasing additional limits to cover the computers and electronic equipment. 

Home Business coverage 

If you work from home, you should speak to your agent about adding on coverage for your home-based business. A homeowners’ policy will not automatically cover the equipment used for the business of any liability claims if a third party is injured at your home office. 

If you would like to discuss adding additional coverage to your homeowners’ insurance policy, reach out to an agent at Integra Insurance Services today. We proudly serve the Huntington, TX area.