How Much Auto Insurance Do You Actually Need?

It doesn’t matter whether you drive a brand new BMW or a late model Ford – you need to have the appropriate auto insurance to cover you in the event of an accident. If you are in the Huntington, TX area, and need help with your auto insurance questions, contact us at Integra Insurance Services where a friendly and knowledgeable team member will be happy to assist you. 

How Much Insurance Do I Need?

Generally speaking, the amount of coverage needed really depends on each individual’s unique situation. For instance, if you have teenage kids that have just started driving you’ll want to make sure you are protected from everything like a minor fender to a major accident. Keep in mind, that the higher the deductible you choose for collision and comprehensive the less expensive your policy but the more money that you’ll have to shell out upfront before the insurance company takes over. For instance, if I’m in an at-fault accident and the cost to repair my vehicle is $5000 and I have a $1000 deductible I have to pay out the first $1000 before assistance from the insurance company. The great thing about insurance is that there are a number of discounts you may qualify for. That’s why if you are in the Huntington, TX area it’s really important to call us at Integra Insurance Services so that we can determine if you qualify for a less expensive policy.

What About Liability Coverage?

You want to have enough liability coverage to protect your total assets. In short, liability insurance covers third party costs that you may sustain if you at fault in an accident. Without liability coverage, you are on the hook for costs to both the other person’s vehicle, lost wages due to injury, and even their medical bills. These costs add up quickly, so make sure you have adequate coverage.

Home Insurance Add Ons To Consider

When it comes to your home insurance policy, it probably came packaged with your mortgage. Maybe your real estate agent helped you select it or you picked it out during the purchase process. Whenever you obtained your mortgage there is a good chance that you didn’t spend as much time with selecting it as needed. After all, you were just moving in and didn’t know all the ins and outs of your home. Well, now that you’ve spent some time in your home it is a good idea to adjust your home insurance policy. At Integra Insurance Services we can help you specifically with that. So if you live in Huntington, TX, we want to lend a helping hand. 

Flood Insurance

Protect your property from flooding, such as following a major storm, a burst pipe, or from putting out a fire, with flood insurance. 

Landscaping Insurance

Did you put up new constructions on your property? Want to protect a tool shed you had installed. Perhaps you have a swimming pool or other additions on the outside of your property? Well, you can insure these areas of your home so, in the event of damage, you won’t be forced to repair or replace these items fully out of pocket. 

Window Insurance

Have large windows that are in harm’s way? Protect them with window insurance. 

Consider Your Home Insurance Policy Options

There are plenty of home insurance policy options to choose from. It’s simply up to you to know what your home needs. From additional flood insurance to protect the swimming pool and gazebo you had installed, there are all kinds of home insurance policy options you’ll want to look over. And if you live around the Huntington, TX area our staff here at Integra Insurance Services is here to help every step of the way.