What does standard homeowners policy mean?

Researching home insurance, you probably came across a few references to a standard homeowners policy. Integra Insurance Services serving Huntington, TX gets a lot of questions about insurance, but one of the most frequent is “What does standard homeowners’ policy mean?”

The insurance industry provides eight levels of coverage for homeowners’ insurance, from dwelling insurance (H0-1) to historical home insurance (HO-8). The insurance industry refers to HO-3 as standard home insurance. It covers the structure of the home under open peril coverage, also called all-peril coverage.

Although many insurance agencies refer to condo insurance as its own type of policy, it actually falls into the category of home insurance, as an HO-6 policy. That policy protects only your condominium interior and personal property, plus provides liability coverage, medical payments, additional living expenses, and loss assessment. Although you read the term renters’ insurance, this, too, is a type of home insurance. An HO-4 insurance policy provides coverage for your rental unit, personal property, liability, and additional living expenses.

Sometimes, you can’t obtain a standard HO-3 policy for your home. If you have made many claims on your prior home insurance policy, you may only qualify for an HO-1 insurance policy. It only covers 10 named perils. Also called dwelling insurance, it only covers the physical structures on your property. Older homes with historic or architectural significance combine dwelling insurance level coverage with liability and personal property coverage plus medical payments and additional living expenses coverage.

Sometimes, you don’t want the coverage of HO-3 and we have options for that. HO-2 insurance lets you skip liability insurance and protect the home and your personal property against major named perils. If you only want to cover the structure and your personal property, you can choose an HO-5 policy.

Call Integra Insurance Services serving Huntington, TX, today to discuss your home insurance. Let us help you choose the home insurance policy to protect your largest financial investment – your home.

Why Should You Get Roadside Assistance Coverage?

When you buy roadside assistance coverage, you resolve a lot of anxiety that may pop up surrounding the fear of getting stranded. There are many reasons why you should consider roadside assistance coverage, no matter where you live.

Integra Insurance Services serving Huntington, TX offers roadside assistance coverage and more. These are a few reasons why you should consider getting coverage for roadside assistance.

Towing Services

Whether your car suddenly will not start or your tire has blown and you don’t have a donut in your trunk, you benefit from roadside towing services. Towing to your home or a mechanic can help you fix your car easily.

Battery Jumps

If your battery dies, chances are that you have somewhere else to be. Roadside assistance helps you get back on the road so that you can get to work, home, or anywhere else.

Tire Services

If you have a flat tire or your tire popped, you may need some help getting back on the road. With roadside assistance coverage, your donut can be easily placed on your car so you can drive home or to an auto shop.

Lockout Options

If you are locked out of your car, a roadside assistance provider can help you get back in. They can unlock your door and help you get your keys so you can drive to your next destination.

Get Roadside Assistance Coverage Today

Integra Insurance Services, which provides roadside assistance coverage to the drivers of Huntington, TX, can help you find the best policy to meet your needs. Roadside assistance coverage can be worth its weight in gold for the peace of mind it offers alone.