Should Home Insurance Policies Be Reviewed Annually?

You work hard to provide a house for your family.  Through care and attention that house has become a home where your family can grow.  Your home insurance policy also works hard to protect the house and your assets.  When you originally purchased the policy, you were excited about your new home and anticipating what your life would be like there.  The policy was most likely also a requirement of your mortgage lender.  It’s entirely possible that you may not fully understand the extent of the coverage written into your policy.  This is understandable.  The team at Integra Insurance Services works with homeowners throughout the Huntington, TX area to get the coverage they need.  They are also ready to explain the policy in everyday language and answer any questions that you have.

As your family grows and changes, there will also be changes to your lifestyle.  You may make some improvements to your home.  This means that your home insurance needs also change.  An annual review of your home insurance policy, much like an annual medical checkup, can highlight areas where coverage needs have changed.  It may show areas where you can lower your premiums. 

The agents at Integra Insurance Services understand the needs of homeowners in the Huntington, TX area.  They know weather conditions and flooding risks.  With an expert eye and friendly advice, they can go through your existing policies to ensure that they are addressing any changes to your lifestyle, improvements to the house or property structures.  Also, they will be able to discuss with you any changes or developments in the insurance field that might affect your coverage.  So, pull out those policies and contact them for a review today.  Its an investment in your family and your property.   

When to Buy Special Property Coverage for Your Home

Special insurance coverage for Huntington, TX provides many benefits that can’t be earned in any other way. We at Integra Insurance Services can provide you with many options for this coverage and help you better understand when it is a good choice for your policy.

What is Special Insurance Coverage?

Special insurance coverage comes in a few different varieties, including commercial and residential coverage. Commercial coverage provides protection for public entities and non-profit companies. This type of coverage helps protect their property and business from damage and liability lawsuits.

Special insurance coverage for a home typically focuses on higher-end items in a home, such as jewelry, watches, furs, expensive gems, dinnerware, trophies, and guns. This type of coverage helps to keep homeowners from suffering total loss if somebody breaks into their home.

When is Special Insurance Wise?

Special insurance coverage is a good choice for anybody who runs a business from their home or who owns a large number of expensive items that they want to protect. For example, people who own gold coins or who have a lot of jewelry should probably consider special insurance coverage.

These types of policies can be tweaked and adjusted to meet the needs of just about any homeowner. For example, an individual can limit certain types of coverage that they don’t need and focus on just the ones that they do. So make sure to talk to your provider to learn more.

Who Provides Coverage of This Type?

If you live in Huntington, TX and want special insurance coverage, we at Integra Insurance Services can help you out. Our experts will work hard to find a great insurance policy that suits your needs and which gives you and your home the protection that it deserves.

Most Forgotten Home Insurance Basics

Home insurance can be difficult to understand, often however, taking the time to learn a few basics can help make figuring out the specifics a bit easier. For those living in the Huntington, TX area, the agents with Integra Insurance Services can help you learn all you need to know about home insurance.  

One of the first things that people tend to forget when working out the basics of their home policy is that your home policy also covers the cost of the contents of your home and should be adjusted accordingly. If you make a large purchase or have a valuable collection in your home, you should make sure they are protected so that you can replace them if something happens. You should also adjust this coverage as needed and keep an inventory of any expensive or hard to replace items so that they can be accounted for should you need to make a claim.

Another oft-forgotten aspect of home insurance is that most policies are not going to be one size fits all so buying a policy online is not going to be sufficient. You need to buy a policy that fits your particular home, and your particular circumstance. Though a basic policy is a great place to start, it is not going to cover the nuances of your particular home and it might not cover your entire home.

The last commonly forgotten aspect of home insurance is that you do need different coverage based on where you live. In an area where the flood is not common, you may not need flood insurance. In areas where winter storms are common, you may need more coverage during certain times of the year. If you have a home it is important to make sure you are taking the time to really tailor your home policy to make sure your home is fully protected at all times.

For those in the Huntington, TX area, the agents with Integra Insurance Services can help you find the right policy every time.

When Should You File a Home Insurance Claim?

Deciding on when to file a home insurance claim in Huntington, TX can be tricky business. Sometimes claims on your insurance can cause premiums to go up and filing a claim isn’t always in your best interest.

Don’t file a claim if the repair you want to be covered won’t exceed your deductible. For example, if you have a $1,000 deductible and someone breaks into your house and takes your iPad, it will cost less to replace your iPad then it would for you to pay the deductible. If you go through insurance you will have a theft claim on your report and you didn’t even save any money. Pay for the repairs on your own if the cost of the repairs is relativity minor compared to your deductible. For example, if your repair or claim is going to only cost a few hundred dollars more than your deductible, you are better off not filing a claim and paying out of pocket. If you have filed claims in recent years, be careful about filing new ones. The number of claims you file can negatively impact rates. Think about the costs of the claim in this instance as well. If the claim is related to a maintenance issue you should have fixed earlier, such as replacing a rotting fence or repairing a damaged roof, you should think twice. If the claim is related to an event your insurance company doesn’t cover, then not only will you not get money, but you will also have a claim on your record for no reason.

If you aren’t sure if you should file a claim or if something is covered, ask your agent at Integra Insurance Services and contact a contractor to see what the costs of repairs will be.

Of course, you should file a claim if the event in Huntington, TX is covered by your insurance and the amount of repairs exceeds the deductible. If you haven’t filed a claim in years, you shouldn’t be penalized for using insurance the way it’s supposed to be used.

Contact Integra Insurance Services to receive a quote on homeowners insurance.

Can You Be Denied Homeowners’ Insurance Because of a Dog

Does it make noise? Does it shed? Does it smell?  These are some of the things that will be troubling your mind when you decide to adopt a dog as a pet. However, you may not be thinking about the potential problems that your dog pet may cause to your homeowners’ insurance policy in Huntington, TX.

Keep in mind that your dog is part of your family and the insurance company such as Integra Insurance Services must view it objectively no matter how cute it looks. Even the best-trained dogs can be unpredictable and can cause harm to people at any time. Therefore it’s crucial to understand the fact that you can be denied a homeowners’ insurance because of dog but the decision will depend on the type of dog in your home.

Why Do Insurance Providers Refuse Coverage for Dog Owners?

Statistics indicate that dog bites usually account for more than one-third of all homeowners’ insurance liability claims in the United States. Typically, dog bites are expensive, and insurance providers try to avoid scenarios where they are forced to pay numerous liability claims filed as a result of dog bites.  Although owning a doesn’t lead to automatic denial of homeowners’ insurance policy, it could lead to higher premiums since you are considered as a high-risk client.

Does the Breed Matter?

Yes, the breed of your dog is a crucial factor when it comes to restricting home insurance because of dogs.  A high number of home insurance providers in Huntington, TX won’t cover muscular canines that can cause severe harm to people from a single bite. Some of the common dog breeds that have been blacklisted by several insurance providers include:

  • Akitas
  • Chows-chows
  • Pit bull-type breeds
  • Rottweilers
  • German shepherds
  • Mastiffs
  • Dobermans

However, it is good to mention that a liability claim can come from any breed regardless of what you think about your dog. Contact Integra Insurance Services today for your homeowners’ insurance policy.

Home Insurance and Your HOA: Who Covers What?

Have you just purchased a new home in Huntington, TX and are wondering what kind of adjustments you need to make to your home insurance with Integra Insurance Services? If you are paying a homeowners association fee every month, you will need to know where the HOA ends and your property begins.

 Read Your Deed

Review your deed with your agent.  If the plot plan only includes the interior of your property, then your liability ends with your front door as long as you take care of your condo. But in neighborhoods with single-family structures and shared outdoor space, the lines of property and responsibility can get blurred. If you are unsure who owns what, make sure to speak with your HOA to clarify the situation as soon as possible.

Sidewalks, Lawns, Porches and Streets

Your property may only include your house and driveway. Even porches and decks that are part of townhouses may belong to the HOA. If the sidewalks are on your plot plan, you will have to maintain them. Who mows the lawn, prunes the trees, and waters the flowers by the gate?  If you see your neighbors taking care of shared areas, ask them if the HOA has approved their assistance. If not, there can be legal repercussions if a repair goes wrong.

If You Maintain It, the Liability is Yours

Any part of your home where the HOA does not provide routine maintenance, you will want to include on your home insurance policy.  You may wish to put up a fence or hedge to define the areas for which you are responsible. If your guest is injured on a shared area, such as the pool or playground, they will be filing a claim against the HOA liability insurance.

Give your agent at Integra Insurance Services for more information on home or commercial insurance options for the Huntington, TX area.

What Should I Expect When Filing a Home Insurance Claim for Missing Jewelry?

If you have noticed that jewelry is missing from your home, you may look to file an insurance claim with your home insurance company. Here at Integra Insurance Services, we understand that this is something that most people in the greater Huntington, TX area rarely have to do. As such, you may not know what to expect when filing a claim. Here are a few of the things you can expect when filing a home insurance claim for missing jewelry. 

Obtaining a Police Report

Before you can report jewelry missing or stolen from your home, you must first file a police report. When you file a police report, you declare under penalty of perjury that what you are saying is true. This helps assure the insurance company that your jewelry really is missing or has been taken from your home. 

Providing Information About When the Jewelry Went Missing

After obtaining a police report, you will need to contact your home insurance company. During this call, you will list everything missing and provide information about when the jewelry went missing. If your home was burglarized, this is easy to provide. However, if you do not know when your jewelry was taken or stolen, this can be harder. Always do your best to provide truthful information. 

Sit Back and Wait

After providing information to the police and home insurance company, there is nothing else you can do but sit back and wait. The insurance company will investigate your claims and pay you for the value of the jewelry, or the policy jewelry limit, if warranted

If you have valuable jewelry in your home, you may want to list each piece of jewelry separate from your home insurance claim and receive an appraisal. This helps to ensure you receive the full value of the item if it is ever damaged or missing. At Integra Insurance Services, serving the greater Huntington, TX area, we can help you with this process. Call us today to learn how to add jewelry to your existing policy or get an entirely new home insurance policy. 

Choosing Homeowners Insurance in Huntington, TX from Integra Insurance Services

A homeowner’s insurance policy will provide funds to repair or replace your home and personal property, if they are damaged in an unforeseen event. If you are looking for homeowners insurance in Huntington, TX, there is a lot to consider. Besides basic coverage, you will want to consider optional coverage for unanticipated losses. Your Integra Insurance Services agent can help provide information or quotes on the best options for your policy.

Texas Homeowners Insurance

Most homeowner’s policies in Huntington, TX contain one or more of these coverages:

  • Dwelling covers your home in case of damage.
  • Personal property pays for household good, such as furniture, appliances, clothes, that are stolen or damaged. 
  • Other structures pay to repair or rebuild detached garages, storage sheds, and fences.
  • Loss of use pays your additional living expenses while your home is being repaired. (Usually less than 24 months of coverage.)
  • Personal liability pays court costs and damages (if you are found legally responsible) for someone else’s personal injury of property damage that took place on your property.
  • Medical payments pay the medical costs if someone is hurt on your property. 

Types of Policies

The two types of policies sold in Texas are all-risk policies and named perils policies. All-risk policies (comprehensive coverage) give you broad coverage for any and all causes of loss, with specific exemptions. Named perils policies are narrower and more cost effective. They offer protection on named perils based on the policyholder’s elections. This gives you more control over your coverage but is less comprehensive than all-risk policies.

Talk to your Integra Insurance Services agent for more information on how to get the coverage you need for your home.

Contact Us

Call us today at 800-655-2159 for more information on your Huntington, TX home insurance needs.

 

Spring Clean Your Home

Before the job becomes too tuff to handle, you should get started on your spring-cleaning projects now. The Huntington, TX insurance agents at Integra Insurance Services would like to reveal a few helpful tips to make your cleaning experience less stressful.

Start with the Kitchen

There’s a thin layer of buildup that covers the outside of your kitchen cabinets. When you cook, specks of grease can leave residue on the cabinet doors. Depending on the material your cabinets, you can use soapy water to remove the stains. Afterward, dry them with a clean microfiber cloth.

While you are in the kitchen, tackle the range hood over the stove. The outside may just need a quick wipe down, but underneath, you should consider using a degreaser or an all-purpose cleaner. There is probably a great deal of baked-on grease, so you could spray the inside of the hood and let it settle for a few minutes before wiping it down.

Inside and Outside Windows

Go around each of the windows with a bucket of soapy water. This will release any dirt or grime that has congregated in the corners over the past year. Outside, you can rinse the windows with a garden hose. When you’re finished, you may want to use window cleaner to give the glass a healthy-looking shine.

Give Your Mattress a Fresh Start

While you are washing your bedding, you can refresh your mattress. Vacuum the service of your mattress with your vacuum attachment then spot clean any visible stains with upholstery stain remover. You can keep it fresh by sprinkling a small amount of baking soda over the surface.

Integra Insurance Services services the Huntington, TX area. Their independent agents can help you with adjustments on your new or current homeowners insurance policy.

Texas climate and your home

Huntington, TX has to be one of the most beautiful places in Texas, which makes it one of the most beautiful places in the world. However, the price you pay for owning a home here is some pretty severe natural damage to your house. Integra Insurance Services can help you out when it comes to storms and fires and so on, but the normal day-to-day wear and tear on a home is generally the owner’s responsibility.

The main thing to look out for is simply the Huntington TX heat. Heat alone can really do a number on your Texas home. Heat causes the material that your home is comprised of to expand, it can wear through roof tiles very quickly, and it can shorten your A/C’s lifespan.

The way heat hits your home starts on the roof. Heat rises, but if it’s not allowed to escape, it will find its way back down. So when the sun beats down on your roof and heats up your attic, it’s going to start collecting in there and finding its way through the rest of your home.

The best way to address this heat is to make sure that your attic is well-ventilated. A couple of attic fans won’t cost you much in electricity, but they’ll save you a small fortune in air conditioning and repairs.

Integra Insurance Services has you covered should something go wrong all of a sudden, but if you want your home to look like it does today ten years from now, you have to stay on the ball when it comes to how the climate affects the building. Beating the heat is the first step in doing that.