There are many things to consider when buying toy or recreational insurance, and if you live in the Huntington TX area, then Integra Insurance Services can assist you.

Huntington is a gateway to Lake Sam Rayburn, which boasts phenomenal fishing and is located near two magnificent National Forests. With this kind of natural beauty, it is only normal that you would consider purchasing additional insurance for your adult toys that may include such things as boats, off-road vehicles, and RVs.

One of the first considerations is the repair or replacement cost of your toy. Adult toys are usually pricey, so you want to know that you have ample coverage if your toy is lost, stolen, or damaged for any reason. Although you are likely in possession of home and auto insurance, it may not be enough to cover your toys adequately, especially if your toy is not kept on your personal property 100% of the time.

Additionally, toys like boats and off-road vehicles often lead to a more relaxed attitude, so no matter how careful you are, the possibility of liability is there. It is always important to be aware of the possibility of liability, particularly if you are sharing toys with friends. Certain toy insurance policies will be able to provide you with liability cover, so it is a good idea to evaluate all your toy insurance options to meet your needs.

A final consideration is the state laws surrounding the insurance of these types of vehicles. Your insurance agent will be able to assist you in navigating this. Do not hesitate! If you want to enjoy your summer worry-free, then contact Integra Insurance Services serving the Huntington, TX area today!

From undertaking fishing on one of its several lakes to exploring its rivers, boating episodes are massive in Texas. It’s vital to ensure that your boating activities in Huntington, TX are protected with prolific boat insurance from Integra Insurance Services, regardless if you are a seasoned boater or recently bought a boat and are still learning to navigate Huntington, TX waters. You will have stress-free, breathtaking episodes in water without being worried about the safety of yourself, passengers, or your precious investment through contacting our extensive industry expertise at Integra Insurance Services. We will educate you more about boat insurance and begin comparing customized quotes for various coverages.

Is boat insurance mandatory in Texas?

Unlike car insurance, watercraft insurance isn’t legally required in Texas. Nevertheless, if you need to register your watercraft with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to maintain boat insurance until you clear your outstanding arrears. Optional boat insurance coverage includes:

Collision coverage: It caters to repairing or replacing your watercraft if it is physically damaged by colliding with another boater or other stationary objects.

Uninsured or Underinsured boater coverage: Boat liability in Texas is not legally required, and many boaters go in waters without any coverage. This policy is designed to pay for injuries you suffer while boarding your boat after engaging in a crash with another boater who is insufficiently covered or has no liability insurance.

Medical Payments Coverage: It reimburses costs that cater to reasonable medical bills such as x-rays and other hospital prevailing bills if someone gets injured while boarding your boat.

Comprehensive coverage: It pays for repairing or replacing your vessel after physical damage emanating from non-collision incidents in water such as hail, falling objects, and fire. 

Boating is truly a breathtaking and rewarding episode in Huntington, TX regardless of salt or freshwater. Contact us today at Integra Insurance Services and ensure that you acquire formidable boat insurance coverage that protects you and your family.