Month: September 2022

Things that home insurance won’t cover

Posted on by AgentInsure

Owning a home is part of the American dream. Keeping that home safe is vital to your financial security. Home insurance offers a lot of coverage, but, like most types of insurance, there are exclusions. At Integra Insurance Services in Huntington, TX, we know our customers, and we will ensure that you have the coverage that will give you the protection you need. 

Earth movement

If you live somewhere with the possibility of an earthquake and damage to your home, you won’t be covered with your traditional home insurance. In addition to earthquakes, mudslides, landslides, and sinkholes are not covered. The good news is that you can purchase additional insurance that will provide you with that coverage. 

Owner neglect

Your carrier has expectations that you will maintain your property. That means doing needed repairs before they lead to damage to your home. Things like a leaking roof that isn’t the result of a high wind event won’t be covered, nor will any damage to the interior of your home. If you get termites, you are responsible since you should have your home treated. 

Flood

Floods affect so many areas these days that they are a real danger to many homeowners. Your home insurance will not cover surface water. If your house gets flooded due to a broken pipe in your home, that is a different matter. You can purchase flood insurance through the National Flood Insurance Program to protect your physical home and content.  

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more appalling is that your home insurance doesn’t cover it. 

Contact Integra Insurance Services in Huntington, TX when you are ready to discuss your home insurance policy and coverage.

Worst Mistakes People Make When Purchasing Auto Insurance

Posted on by AgentInsure

Purchasing auto insurance is a vital decision that comes with owning a car. Your policy is what protects you financially in the event of an accident. Despite its importance, many people make mistakes when purchasing auto insurance, costing them more money in the long run. This blog post will discuss people’s worst mistakes when purchasing auto insurance.

1. Not Doing Your Research 

One of the most important things you can do when shopping for auto insurance is to research your options. Many different companies are out there offering a wide variety of coverage options and rates. By shopping around and comparing rates, you can be sure that you’re getting the best possible deal on your auto insurance. 

2. Not Getting Enough Coverage 

Another mistake people often make is not getting enough coverage. Being on a tight budget doesn’t mean you should skimp your auto insurance coverage. Remember, you could face severe financial difficulties if you get into an accident and don’t have enough coverage. 

3. Not Reading the Fine Print 

Before signing up for auto insurance, you must take the time to read through the policy documents. There may be some exclusions or limitations that you’re not aware of. You could be unpleasantly surprised later if you don’t read the fine print.

4. Failing to Disclosure Important Information 

When applying for auto insurance, you’ll be required to disclose various information about yourself. It would help if you answered all questions truthfully and accurately. If you fail to disclose important information, it could invalidate your policy or lead to higher rates. 

Get Auto Insurance in Huntington, TX

By avoiding these mistakes, you can be sure that you’re getting the best possible deal on your coverage. If you’re looking for auto insurance, Integra Insurance Services can help. We offer a wide range of coverage options, and our experienced agents can help you find the perfect policy for your needs. Contact us today for a free quote.