Month: June 2021

4 Car Insurance Add-ons to Consider

Posted on by AgentInsure

Insuring your vehicle is a worthwhile investment because it lessens your financial burden when accidents happen. However, depending on where you live and your driving style, you need to consider other insurance add-ons to get the best out of your car insurance coverage. While there are numerous add-ons to consider, Integra Insurance Services of Huntington, TX, shares four vital add-ons worth the extra bucks. 

Zero depreciation cover

This add-on is one of the most popular since it cushions policyholders against depreciation when making claims. Without this coverage, you will get your claim amount less the depreciation amount. If you own a car that is less than three years old or a luxury vehicle with expensive spare parts, you need zero depreciation cover to avoid you incurring out-of-pocket expenses when repairing your car.

Roadside assistance coverage

Has your car ever stalled away from home? It can be a frustrating ordeal. Thankfully, if you have roadside assistance coverage, you enjoy the below services when your car breaks down:

  • Gas delivery
  • Towing
  • Puncture repair
  • Battery jumpstarting
  • Other minor repairs

If you drive your car for long distances or your car is prone to breakdowns, it’s vital to consider this coverage.

Engine protect

In a typical accident, comprehensive and collision coverages pay for the damages of your engine up to your coverage limit. Otherwise, where your engine is damaged because of oil leakage and water damage, your typical auto insurance won’t help. Here is where the engine protect coverage comes in handy.

Consumables cover

When you consider this add-on, your insurance takes care of consumables like fluids, nuts, washers, and other consumables in case of damage or loss. While these consumables might appear as of low value, they can quickly stack up for high-end vehicles. 

Are you looking to boost your car insurance coverage with the above add-ons? Please contact Integra Insurance Services. Besides, you can visit our Huntington, TX offices to help you choose add-ons suitable for you. 

How Much Home Insurance Should I Have?

Posted on by AgentInsure

When you invest in a home, for many people it is the largest investment they ever make. Protecting that investment requires having the right home insurance. How much home insurance you should have is determined by several factors. At Integra Insurance Services in Huntington, TX our passion lies in serving and protecting our clients from many things that can affect their financial stability. We aim to create a long-term relationship by giving you the customer service you deserve. 

If you have a mortgage your lender will require you to have liability and building coverage, these may be very minimum requirements.  The sad fact is that 60% of homeowners are underinsured by as much as 20%. 20% may not sound like much but when you think hundreds of thousands of dollars; it is a lot of money. If you file a claim and your limit is too low, you won’t get enough to replace what needs replacing. You need:

  • Enough money to rebuild your house
  • Replace your stuff
  • Cover damage or injuries that happen on your property
  • Pay your living expenses if you can’t stay at home

The rebuilding cost of your home is just that, not the value of your home. These two figures are not the same, and you don’t want to have to settle for less than you already have. You need to know your square footage and the average building cost per square foot in your area. 

Do any inventory to get a better idea of how much stuff you have and how much it will take to replace it. Keep in mind your policy limit on certain items like jewelry and electronics. 

With liability coverage, get as much as you can afford. 

Additional living expenses should be between 10%-30% of your property coverage. 

In Huntington, TX, contact Integra Insurance Services for all your home insurance needs.