Month: January 2023

Can I cover a lake cabin under specialty property insurance?

Posted on by AgentInsure

If you own a lake cabin, you may wonder if your traditional home insurance policies in Huntington, TX cover it. For most home insurance policies, the answer is no. Most standard policies do not cover lake cabins, which means you need to find a specialty property insurance policy that meets your needs. In this post, Integra Insurance Services explains the type of coverage you need – and how to get it.

What Does Specialty Property Insurance Cover? 

Specialty property insurance is designed to protect against financial loss related to damage or destruction of a vacation home or other type of unique property. This type of insurance may offer replacement cost coverage, which pays the cost to repair or rebuild your home and replace damaged belongings without considering depreciated values.

Specialty property insurance may also provide liability coverage, which protects you from being held responsible for any injuries or property damage caused by someone on your property. In short, specialty property insurance can help ensure that your lake cabin—and all the memories inside—are safe in case of an unexpected event. 

If you own a lake cabin, chances are good that standard home insurance policies won’t meet all your needs. Whether you need liability coverage or replacement cost protection after an unexpected event, Integra Insurance Services specializes in helping Huntington, TX residents find the right policy for their needs and budget. Contact us today so that you can enjoy peace of mind knowing that all those precious memories made at your lake cabin will be safe no matter what happens down the road.

Can I cover a lake cabin under specialty property insurance?

Posted on by AgentInsure

If you own a lake cabin, you may wonder if your traditional home insurance policies in Huntington, TX cover it. For most home insurance policies, the answer is no. Most standard policies do not cover lake cabins, which means you need to find a specialty property insurance policy that meets your needs. In this post, Integra Insurance Services explains the type of coverage you need – and how to get it.

What Does Specialty Property Insurance Cover? 

Specialty property insurance is designed to protect against financial loss related to damage or destruction of a vacation home or other type of unique property. This type of insurance may offer replacement cost coverage, which pays the cost to repair or rebuild your home and replace damaged belongings without considering depreciated values.

Specialty property insurance may also provide liability coverage, which protects you from being held responsible for any injuries or property damage caused by someone on your property. In short, specialty property insurance can help ensure that your lake cabin—and all the memories inside—are safe in case of an unexpected event. 

If you own a lake cabin, chances are good that standard home insurance policies won’t meet all your needs. Whether you need liability coverage or replacement cost protection after an unexpected event, Integra Insurance Services specializes in helping Huntington, TX residents find the right policy for their needs and budget. Contact us today so that you can enjoy peace of mind knowing that all those precious memories made at your lake cabin will be safe no matter what happens down the road.

Can Commercial Insurance Protect My Business During Power Outages

Posted on by AgentInsure

Power outages can be a significant problem for businesses in Huntington, TX. Not only do they cause disruption and lost profits, but they also put your business at risk of property damage. Thankfully, commercial insurance can help protect you from these risks. Let’s discuss how this type of coverage can help keep your business safe and secure during power outages. 

What is Commercial Insurance? 

Commercial insurance protects businesses from financial losses because of various risks, including property damage, liability claims, and theft. It helps provide peace of mind that you will have the resources necessary to repair or replace any damaged items or equipment should something happen during a power outage. An Integra Insurance Services agent can help you find the right coverage for your business.

Types of Coverage for Power Outages 

When selecting commercial insurance for your business in Huntington, TX, it is essential to understand the different coverage options available to decide which policy best meets your needs. Common coverages include: 

  • Property Damage – Covers property damage caused by power outages (e.g., broken windows or doors) and any resulting losses because of the outage (e.g., food spoilage). 
  • Business Interruption – Helps protect against lost income and additional expenses incurred when operations are interrupted by a power outage (e.g., temporary relocation costs).  
  • Liability – Covers third-party claims related to property damage or injuries caused by a power outage (e.g., slip and fall incidents).  

Power outages can be disruptive and costly for businesses in Huntington, TX. Still, commercial insurance can help protect you from some of the associated risks if something happens during an outage. To learn more about how commercial insurance can benefit your business or get a quote on the right policy for you, contact Integra Insurance Services.