Month: July 2021

What You Need To Know About Specialty Property Insurance

Posted on by AgentInsure

Specialty properties have unique insurance needs. If you own a specialty property, the experts at Integra Insurance Services, serving Huntington, TX, can help you find the insurance products you need to keep your property safe and your investment secured. Keep reading to find out more. 

What are Specialty Properties?

Specialty properties are properties that have unique characteristics and therefore require unique insurance coverages. These types of properties can include but are not limited to:

  • Manufactured homes
  • Multi-unit rental properties 
  • Seasonal properties

If you are not sure if your property falls under this category, you should speak with an insurance representative to find out. 

What Does Specialty Property Insurance Cover?

In many cases, a specialty property is used for the purpose of a business or for making a profit. Protecting this property could be vital to your business endeavors. Specialty property insurance can be customized to suit your particular needs. In many cases, specialty property insurance will cover the following areas:

  • Property damage- This type of coverage will kick in if there is damage to your property due to natural disaster, fire, or burglary. 
  • Liability coverage- This type of coverage is essential if someone is injured on your property. If someone is injured on your property, you could be held liable for their medical expenses and other costs. Having sufficient liability insurance in place can protect your assets from these expenses. 

If you would like more information concerning our insurance services and products, please contact us at Integra Insurance Services, serving Huntington, TX. We will be very happy to answer your insurance questions and help you choose the best products for your needs. 

Do I Need Commercial Auto Insurance?

Posted on by AgentInsure

Every country issues a driving license to drivers who show competence. Licensing ensures that drivers are knowledgeable on road safety practices hence minimizes accidents that may cause loss of life. Buying insurance for your vehicle is a worthwhile investment. It gives you an easy time in case an accident occurs. Integra Insurance Services in Huntington, TX, provides its clients with insurance that covers their personal and commercial auto insurance at friendly costs. Here is what to know about your commercial auto insurance.

Personal Versus Commercial Auto Insurance 

The main difference between personal and commercial auto insurance is who owns the car. If your business owns a vehicle, it is mandatory to insure it with commercial auto insurance. Personal auto insurance only covers accidents that may occur while one is using their vehicle on private activities. Its policy entails less coverage making it cheaper than commercial auto insurance.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance covers accidents that occur when you or your employees are driving a company-owned vehicle. While both personal and commercial auto insurance policies cater for legal and medical costs associated with vehicle accidents, commercial auto insurance covers higher claims, different vehicle types, and more advanced legal matters.

Covering Business Vehicles

Business owners who possess a vehicle used majorly for business are the immediate targets for commercial auto insurance. It has a higher liability limit compared to personal auto insurance. Typically, it covers vehicles used in transportation, carrying clients or employees, towing alongside other services that earn income.

Acquiring a Commercial Auto Insurance Cover

In most states, purchasing car insurance is a federal requirement. Managing, repairing, and potential court sessions are costly and time-consuming. Integra insurance services offer professional insurance covers based on your preference at friendly rates. Visit them today for details on your preferred insurance package if you live around Huntington, TX.