What is Covered Under Specialty Property Insurance?

There are a number of different types of property, and making sure you have the right insurance for yours is vital to proper coverage. The type and level of coverage both matter, allowing you to protect your property in the best possible way. If you’re in the Huntington, TX area and need specialty property insurance, we can help at Integra Insurance Services. We know you may have questions about the coverage you have or other types of coverage you might need. Our trusted agents are here to help you get the information you’re looking for, and the coverage you need for strong peace of mind.

With specialty properties, you need insurance that meets their unique needs. You might have a farm or other large land area, or you may have a structure on your property or a purpose for it that’s not typical. If that’s the case, there are options for coverage that may not fall under more standard policies. If you aren’t sure what you actually need, you could end up with a policy that won’t protect you or one that gives you more coverage than is necessary based on how you use your property.

The right specialty property insurance is key to proper protection for the long term. If you’re in the Huntington, TX area, reach out to Integra Insurance Services today and let us help you get the right type and level of coverage. That way you can protect the structures on your property or the ways you use that land so you don’t have to worry about issues that could arise in the future. No matter what type of land you have or how you’re using it, a specialty property policy can be the right option to make sure you’re covered.

What coverage comes with commercial insurance in Texas?

In the Huntington, TX area, owning a business can be a great career path. Those that choose to own and start a business here will appreciate the local support for small businesses and the strong economy. If you are going to start a company anywhere, you need to have proper insurance. A full commercial insurance plan in Texas will provide a business with several different forms of insurance coverage that could protect the organization.

Protection Against Liability Risk

A very important benefit that you will receive when you get a commercial insurance plan is protection against your liability risk. If you are going to sell anything to a customer, you will always take on liability risk. If you are deemed liable for damages, the costs associated with it can be significant. Fortunately, with a full commercial insurance plan, you will get the liability insurance protection that will help to offset this risk. 

Coverage for Company Assets

A business owner is going to need to purchase some type of asset to get the company moving in the right direction. This can include major equipment, inventory, or other valuable assets. If there is ever an event that results in damage or loss of these assets, it could be very bad for the company. With a proper insurance plan, this risk can be properly mitigated and offset with coverage. 

Anyone that is going to start a business in the Huntington, TX area needs to have proper insurance for their company. As you are looking for a new plan, it would be wise to call Integra Insurance Services. The insurance professionals with Integra Insurance Services will help you better understand your options and give the guidance needed to choose a policy that is right for you and your organization. 

Protect your Texas home with a comprehensive home insurance policy

Homeowners in the Huntington, TX community turn to Integra Insurance Services for all of their insurance needs. If you are an area resident who is unsure if their home policy provides the comprehensive coverage you desire, we can help! Keeping one’s house insurance policy up-to-date is an important part of homeownership, and as such, policies should be reviewed on a regular basis.

Is it time for a more comprehensive home insurance policy?

Many homeowners review all of the policy options available to them when they first purchase their house. But, as time goes on, it is common for residents to simply renew the same policy year after year. Because of this, some people may find that their home policy has not kept up with their coverage needs. Don’t let this happen to you! 

House insurance policies may not need dramatic changes, but it is a good idea to perform a policy review on a regular basis. There are many features and benefits that may now be appropriate for your current needs that you may not have considered. A comprehensive policy picks up where your basic one lets off and increases the level of protection for your family home. With a comprehensive policy that meets your current coverage levels, you can rest easy that you and your family have the protection you need. 

Regular policy reviews can help to identify any gaps or shortfalls in coverage before they become a problem. Why not upgrade your policy today?

Rely on Integra Insurance Services

Huntington, TX residents turn to our knowledgeable and helpful agents for all of their home insurance needs. If it’s time for you to upgrade your current policy to one that provides more comprehensive coverage, give us a call today!

How To Be Certain My Auto Insurance Coverage Will Work

Integra Insurance Services knows purchasing auto insurance works as a reflex action. In Huntington, TX drivers must carry it. Texas law demands compensation if you’re at fault, it’s common sense. Your potential price tag for a car accident is more than you might expect. Out-of-coverage damages are frightening.

What if I’m not at fault?

Other drivers don’t always have adequate coverage. If you are not at fault in an accident, you can’t be sure that other drivers have insurance. Texas recommends uninsured driver protection. Be sure you have enough coverage. Select comprehensive coverage choices that your pocketbook allows.

Why do I need more coverage?

Huntington, TX drivers are required to carry at least $30K for injury, $60K per accident, and 25K for property damages. Liability insurance covers some repairs, medical bills, and property damage. You are responsible for out-of-pocket expenses if damages exceed your coverage amounts. Can’t flip the bill? You may find yourself in court. Almost any accident victim may sue you for more damages.

What types of Supplemental Coverage should I choose?

Choices for added coverage will depend on your circumstances. Conduct research on more collision, comprehensive, and medical coverage. Purchasing a new car? Finance companies require you to carry full coverage. An Integra Insurance Services professional serving your area can help you find the best choices, bolstering the 30/60/25 Texas mandate.

When will I need supplemental insurance? 

Your coverage may not be enough under the following conditions:

  •   Driving a company car or another person’s car.

  •   Rideshare driving or delivery services.

  •   After factory production accessories.

  •   Driving in other countries.

  •   New car purchases may only last up to 20 days.

More questions about coverage? An Integra insurance professional serving Huntington, TX is available to help. Contact Integra Insurance Services today at 800-655-2159.

What Is Toy Insurance in Huntington, TX?

If you are interested in learning more about toy insurance in Huntington, TX, you should look up what Integra Insurance Services has to offer.

Some people might be confused about what exactly toy insurance is. Toys for kids are generally different from toys for adults. Adults’ toys are generally much more expensive and are often technical machines, such as motorcycles, sailboats, classic cars, snowmobiles, recreational vehicles, and more. Kids’ toys are more likely to be much smaller and cheaper, such as dolls and sets of building blocks. While adult toys may not be considered to be toys in the traditional sense, they are treated like toys by insurance companies.

Many of these toys are actually vehicles that can be used in very unconventional ways that are not typically performed with regular cars. For example, they are used for activities such as speeding and off-roading. This increases the chance of getting into accidents, which is why it is important to have toy insurance if you have these types of vehicles. These toys are used for all sorts of different purposes, so the insurance coverage that you get for them may vary based on the model. However, most of them will have the same coverage options, which include liability, comprehensive, collision, and underinsured/uninsured coverage. These are somewhat similar to the types of coverage you would get with regular auto insurance, but because you use the toys for different purposes and in different ways, this is going to be a separate category of insurance.

If you are in need of toy insurance in Huntington, TX, you should definitely make an effort to contact the professionals at Integra Insurance Services. Here, there are experts who will be able to answer any questions you might have about toy insurance and perhaps point you in the right direction in terms of getting your own.

Boat Coverage Options in Texas

You recently purchased a boat or other watercraft, such as a jet ski, and can’t wait to hit the water but before you do, there’s one thing that you should take care of first and that is obtaining a boat insurance policy. The agents at Integra Insurance Services in Huntington, TX have the knowledge and experience to assist you in protecting the investment you have made in your boat or watercraft.

While boat and watercraft insurance is not required in the great state of Texas, you should obtain a policy to protect yourself and your beloved boat but what exactly does boat insurance cover?

Boat Insurance Coverage Options

A boat insurance policy will replace or repair your boat or watercraft if it is damaged or destroyed by an act of vandalism, a natural disaster, or a fire. It will also replace your boat or watercraft if it is stolen. Your boat insurance policy can also protect you from liability if you injure someone or damage property in a boating accident. For example, if you hit the dock and someone falls out of your boat onto a rock and is injured, your boat insurance policy will cover the medical bills of the person injured along with any repairs that need to be made to the dock.

To create and obtain a comprehensive boat insurance policy that works best for you and your situation, call upon the trusted boat insurance agents at Integra Insurance Services in Huntington, TX today for a quote and an appointment to get your policy started! You deserve the protection and peace of mind that a boat insurance policy will offer so you can completely relax while you are out on the water.

What is Specialty Property Insurance? Why Should You Consider It For Your Home or Business?

If you require insurance for your home or business in or around Huntington, TX then consider us at Integra Insurance Services. We are happy to answer any questions you may have about insurance, including specialty insurance for your property. 

What is Specialty Property Insurance? Specialty property is a property that has limited (specialized) use. There are pros and cons when it comes to buying and owning a specialty property but what we want to focus on is insuring that specialty property. Specialty property insurance is an insurance policy that covers property incidentals that may be specific to the needs of the business. For example, if a property is set aside as a restaurant or car wash they will want specialty insurance to cover unique issues related to running the business. 

Why Should You Consider This Type of Policy?  If you purchase a more general commercial policy you may be left with less protection than a specialized property policy will provide. Specialty insurance will generally cover everything basic or other levels of commercial insurance will cover but then go further with specific coverage that is unique to your business. You should consider this type of policy if you run a business that has specialty equipment, unique risks, or other elements that make you at a higher personal risk if something goes awry, you may also want to consider this if your property is in a location that puts it at higher risk. 

Integra Insurance Services is proud to serve the community of Huntington, TX and the surrounding areas. Contact us to discuss insurance options if you are considering purchasing a specialty property or if you currently own a property with special insurance considerations.      

What is a business owner’s policy?

Some businesses only need a single insurance policy, the business owner’s policy, to cover their needs. A BOP from Integra Insurance Services bundles the four most common types of commercial insurance into one policy at a discounted premium. If the business purchased all four coverages separately, the premiums would cost significantly more.

The BOP includes coverage for named perils, property damage, business interruption, and liability. The named peril coverage usually includes major perils, such as fire, explosion, wind, hail, smoke, and vandalism. This coverage leaves many items out however, you can opt for a higher level of coverage called all perils or all risk. This makes for a smart choice in Huntington, TX where droughts and tornados can wreak havoc.

The property damage component reimburses the cost of repairs to the structure’s contents. This covers damage or loss of personal property or office equipment. It also covers items belonging to a third party but stored on the property or within its close proximity (within 100 feet of the premises). This means you could have boxes stacked outside the rear door or barrels sitting on the front entry portico, and they would still receive coverage, although they were not technically inside the confines of the business structure.

Business interruption insurance covers your income lost when a named peril creates an unexpected break in the business. In some policies, this coverage also pays for you to operate out of a temporary location.

The liability coverage component protects you from a lawsuit wiping out your business. If an individual or group sues your business due to an injury incurred on the business’ property, your liability component pays:

  • the settlement, 
  • their medical bills, 
  • your legal fees, 
  • court costs.

Contact Integra Insurance Services serving Huntington, TX to learn more about business owner’s policies and other commercial insurance that can protect your business.

Tips for getting your home ready for winter

Your home is a major investment and making sure it is always protected from as many things that can go wrong as possible is important. There are many ways you can protect your home. Doing the necessary maintenance is one and having a good home insurance policy is another. How can you tell if you have a good home insurance policy? If you live in Huntington, TX, you can talk to the knowledgeable team at Integra Insurance Services. They will provide the information you need to make an informed decision and welcome you into the Integra family. 

Check the chimney

If you have a fireplace and you want to use it, you must make sure that not only is your chimney in good repair but that it is clean. Having a chimney fire can cause a lot of damage and it is easily avoidable with proper maintenance. 

Clean the gutters

One of the hallmarks of Fall is the beautifully colored leaves. Those same leaves end up falling on to your roof and eventually end up in your gutters and downspouts. This is not a good thing and can lead to water backing up and causing damage to not only your roof but potentially your walls and ceilings.  

Change the batteries

This is the time of year to change the batteries in your smoke and carbon dioxide detectors. They should be changed twice a year to provide safety. 

Tune-up the furnace

Having your furnace working at maximum efficiency saves you money and provides a safe home for your family. This involves cleaning  the main unit and changing the filters

At  Integra Insurance Services in Huntington, TX, we look forward to working with you to make sure you have the right home insurance. As independent agents, we can provide more choices and we will give you a quality home insurance quote at our office, on the phone, or online. 

In Case of Natural Disaster, Here’s What You Need To Know About Texas Auto Insurance

Unfortunately, natural disasters are occurring now more than ever due to the climate crisis. For Huntington, TX residents that means that floods, hail, strong winds, and storms are wreaking havoc on the area. In case one of these catastrophes damages your car, Integra Insurance Services has explained below what Texas locals need to know about their auto insurance.

Prepare With Your Insurance Company

1.         Make sure you have comprehensive auto insurance. This policy covers damage to your car caused by flooding, hail, fire, or wind.

2.         Double check what your deductible is in case you end up filing a claim.

3.         Make an inventory of what’s in your car. Similar to home insurance, this helps both you and your insurance company calculate any costs of damage. 

What To Do If A Natural Disaster Damages Your Car

Unfortunately, if your car was damaged or totaled from floods, hail, storms, or fire, you have to make a few calls.

•           File a claim as quickly as possible.

•           Keep a record of everyone you talked to.

•           Be ready to answer any questions about the damage.

•           Ask about completing an advanced payment if you need help ASAP.

What Insurance Companies Look For

After you file a claim for natural disaster damage, Integra Insurance Services and other insurance companies will compare the car’s actual cash value to the cost of repairs. 

•           If the cost of fixing it is more than its worth, then the car is considered totaled.

•           As another rule of thumb, if water from flooding reaches the dashboard, it’s considered a total loss.

Are you looking for comprehensive auto insurance or other insurance policies? Contact Integra Insurance Services in Huntington, TX for more information on how to protect your car, home, or business from instances like natural disasters.