Month: September 2020

Three mistakes to avoid when you purchase commercial insurance in Texas

Posted on by AgentInsure

Business owners need to understand the importance of having commercial insurance. We can help answer your questions about commercial insurance in Huntington, TX at Integra Insurance Services. 

The following are three mistakes you need to avoid when you purchase commercial insurance in Texas.

Failing to compare options between providers

There are many different insurance providers offering commercial coverage in Texas. You shouldn’t just accept a policy from the first provider you look into.

Instead, you should get quotes on policies from several different providers. Then, you can compare them and choose the one that would be best for your company’s needs and budget. 

Neglecting to perform a risk assessment

One important step you don’t want to skip when you buy commercial insurance coverage in Texas is performing a risk assessment at your company. A risk assessment involves pinpointing your liability risks. 

When you identify the liability risks that your company faces, you become aware of what types of coverage you need. It’s easy to overlook a significant liability if you don’t have a thorough risk assessment done before purchasing a policy. 

Being unaware of the various types of commercial insurance

Commercial insurance is a fairly complex product. There are many different kinds of commercial insurance coverage out there. It’s important to be familiar with these types of coverage to determine which ones you need.

Some of the most important kinds of commercial coverage are commercial auto, commercial property, commercial liability, and worker’s compensation coverage. Understand the different types of coverage and how they work before you purchase a policy. 

To learn more about commercial insurance options in Huntington, TX, get in touch with us at Integra Insurance Services. We can answer your questions and help you find adequate coverage for your commercial needs. 

Smart Tips for Buying Auto Insurance

Posted on by AgentInsure

Auto insurance is required in Huntington, TX, but that doesn’t mean that everyone gets the same coverage. At Integra Insurance Services, we’ll customize your auto policy to ensure you get the coverage you need for your lifestyle. If you’re in the market for auto insurance, the following tips can help you find just the policy you need.

Shop Around

Auto policies vary in coverage and price. Before buying your policy, take the time to shop around and see what’s available in your area. In addition to reviewing coverage and price, look for an insurance company that has a reputation for providing quality services so you don’t have problems in making a claim.

Cheap Isn’t Always Best

Although price is important, it’s not the best reason to choose a policy. Cheap insurance may not offer all the protection you need. Beware of compromising coverage for price.

Get Adequate Coverage

Make sure you get adequate coverage for your needs. If you own a new car, you’ll want coverage that helps cover your repairs in the event of an accident. Otherwise, you could wind up paying for car repairs out of pocket. You also need to ensure your policy fulfills Texas auto insurance requirements.

Ask about Discounts

If you have a good driving record, have safety features on your car, completed a driver safety course or drive infrequently, you could qualify for a discount on your auto coverage. By bundling your home and auto insurance, you can also get reduced rates on your coverage. Ask your insurer about discounts so you can take advantage of lower auto insurance costs.

The right auto insurance from the right insurer will give you the protection you need on the road. For quality auto coverage at reasonable costs, contact Integra Insurance Services, serving residents in Huntington, TX.

Can home insurance protect me and my property?

Posted on by AgentInsure

Those that live in the Huntington, TX area are going to have a lot of big decisions to make. One important decision to take seriously will come when you decide whether or not to purchase your next home. This area of Texas offers many great benefits to property owners. If you are going to purchase a property here, it would be a good idea to get home insurance. A quality home insurance policy can protect you and your asset in several different ways.

Insurance Gives Liability Protection

One advantage of home insurance is that it can give you liability protection. Anyone that owns a property should spend time thinking about their personal liability risk. Since there is always a small chance that you could be at fault in an accident, you will want a full home insurance policy as it can give you beneficial liability protection to meet your needs. 

Insurance Protects Assets

Another advantage of this insurance is that it can protect your assets. A home insurance plan will first give you coverage to repair or replace your home following a fire or other form of accident. Additionally, you can receive coverage that will protect your personal assets, which could include your furniture, clothing, or even personal electronics. 

If you are going to get a home insurance policy in the Huntington, TX area, it would be a good idea to get the guidance and support that you need to make a wise decision. For those that are in this area, speaking with the team at Integra Insurance Services would be a great option. If you do reach out to Integra Insurance Services, you can ask any questions that you have and get help to pick the right policy to meet your needs.