Common Types of Boating Accidents and How to Avoid Them

Spring is just around the corner, which means people throughout Huntington, TX are preparing their boat for spending time on the water. Although it’s essential to do routine maintenance on the boat to make sure it’s clean and safe, it’s also important to remember that safety is the main priority. Boating accidents happen more frequently than you may think. The good news is that most of them are preventable. Integra Insurance Services has put together a few tips about how to avoid the most common types of boating accidents.

Capsizing

When boats tip over and capsize, everyone on the boat is put in serious, life-threatening danger. The most common cause of capsizing is due to inclement weather and rough water, but it can also happen if the boat is misloaded. To avoid the risk of capsizing, you should never overload your boat and always use deliberate, precise movements, especially in small vessels and remember to check the water conditions before going out on the water. Make sure everyone, even strong swimmers, wear life jackets.

Falling Overboard

Falling overboard can lead to extremely serious injuries. There is a risk of striking the side of the boat, the outboard motor and if the water is cold, someone falling in may become quickly submerged. To prevent these types of accidents, do not allow your passengers to stand or sit on any part of the boat that isn’t intended for sitting or standing purposes. Also, remember life jackets are critical for preventing drownings.

Boat collisions with other boats, rocks or reefs are often caused by boaters that are distracted, speeding or intoxicated. Each and every time you go boating, always pay attention to your speed and stay alert for other vessels that may crash into your boat while you are on the water as well as docked. Never attempt to operate a boat of any size or shape while intoxicated.

Residents of Huntington, TX interested in learning more information about boat insurance should contact Integra Insurance Services.

What is included with toy insurance in Texas?

For those that are in the Huntington, TX area, enjoying the great weather most of the year is ideal. Those that would like to have fun outside and enjoy the great outdoors should consider getting a recreational toy. These can provide you with a lot of fun and excitement but also come with a lot of responsibility. Those that want to be responsible with their recreational toys should get toy insurance as it can protect someone in many ways. 

Protects Your Asset

Depending on the recreational toy that you get, you could end up investing a lot of money into the purchase and maintenance. Due to this, you should make sure that you protect the investment as well as you can. One of the best ways to do this is by getting recreational toy insurance, which can protect your assets from a variety of situations that could cause a loss. 

Gives Liability Protection

Additionally, you will get protection for liability risk with your toy insurance policy. If you happen to make a mistake when operating the toy, you will be at fault for any damages that you cause. Depending on the situation, these could be excessive. A full toy insurance policy will give you protection to ensure that you are covered for damages you cause. 

If you do have a recreational toy in the Huntington, TX area, you need to make sure that you get a toy insurance policy. Picking the right toy insurance policy for your needs and situation can seem complicated. Fortunately, when you work with Integra Insurance Services, this can be much easier and more clear. The team at Integra Insurance Services will explain all of your needs and options and get into a policy that gives the right protection.

What kinds of items are covered by special property insurance?

You probably expect that your homeowner’s policy in Huntington, TX will protect you against loss for anything that you have in your home. Unfortunately, that is not always true.

Standard homeowner’s insurance will cover the property itself, large and small appliances, window treatments and rugs, clothing, dishes, televisions and other electronics, movies, books, and many other kinds of items. If you read your policy, carefully, though, there are limits on how much can be covered in each category. Your policy is basically the contract between you and the insurance company, so it will determine what is and is not covered.

At Integra Insurance Services, we can help you understand your policy and work with you to figure out if your most important valuables are protected. Many of your valuables may not be covered because they are simply too valuable. Others may not be covered because of what kind of property they are.

Here are the most common kinds of items that may need special coverage:

  • Jewelry
  • Furs
  • Paintings and other works of art
  • Valuable equipment, such as cameras, computers, or other electronics
  • Equipment you use in a business
  • Coin or stamp collections
  • Musical instruments
  • Guns
  • Boats or other recreational items
  • Recreational vehicles stored on your property
  • Anything else that may fall outside the limits. 

You expect to be safe in Huntington, TX, but sometimes things happen. When they do, you need to be protected. You don’t want to be surprised by finding out that your most valuable possessions aren’t covered under your insurance policy.

If you have any questions or would like to talk about getting a special policy for yourself, please don’t hesitate to call Integra Insurance Services so we can show you how easy it is to add a policy onto your existing one.

Understanding toy insurance

The words “toy insurance” can be misleading, but the fact of the matter is as one gets older, you still have toys; they just become larger and more expensive and as a result, need insurance coverage. If you live in the Huntington, TX area and are interested in learning more about insuring your recreational toys, reach out to a specialist at  Integra Insurance Services today. 

Toy insurance can cover a wide variety of vehicles both on the water and on the roads. Below is a shortlist of some of the types of toys that you should consider covering. 

  • ATVs
  • Campers 
  • RV’s
  • Golf Carts
  • Dune Buggies
  • Jet Ski 
  • Snowmobile

Although many policies will need to be customized, depending on how often and in which manner you use the vehicle, for most policies, you will want to ensure you have the following basic coverages. 

Bodily Injury and Property damage: By nature of these toys, you will often be using them around large groups of people. Bodily injury coverage will shield you from liability in the event you are at fault and cause a third party injury with the toy. Property coverage will help pay for damages in the event your vehicle damages a third parties property. 

Collision Coverage: Your toy is an asset and can be expensive to repair or replace. Collision coverage will help you repair your toy in the event it is damaged in an accident. You will want to be sure your insurance is for replacement coverage of the toy. 

Comprehensive coverage: This coverage will protect your toy in the event something occurs not related to a crash. The type of events included under comprehensive coverage are fire, theft, and vandalism.

If you are interested in learning more about toy insurance, reach out to Integra Insurance Services. We proudly serve the Huntington, TX area. 

3 things you should know about boat insurance

Your boat is a testament to your hard work. It would be tragic if your watercraft were damaged beyond repair and you lacked the insurance needed to replace it. The agents at Integra Insurance Services can help you find the boat insurance plan to meet your needs. Here are a few things to consider when asking for a quote.

1. Boat insurance is not required

There is no state rule that mandates you to purchase boat insurance if you own a watercraft. It is, however, in the best interest of your finances to buy a policy that protects you from a significant loss in the instance of your boat being destroyed by a natural disaster or an accident on the water. 

In cases where an accident is your fault, boat insurance works to shield your personal finances. You may not have to come up with so much money out-of-pocket for medical bills and repairs if your policy limits are enough to cover the damages. 

In some cases, boat owners report not having to pay anything more than a deductible to rectify financial losses caused by an at-fault accident. It is, of course, imperative that you speak with an agent at Integra Insurance Services to establish premium costs and policy limits for your plan. 

2. How much insurance you need depends on how often you use the vessel

There are a number of factors that determine how much you will pay every month for boat insurance. One main factor, though, is how often you use your watercraft. Boat owners who only use their vessel once per year may find that their premium is much lower than the individual who drives every weekend. You may also want to consider where your boat is docked when trying to get the best insurance premium rates. 

3. It is best to be over-insured

There are few instances where a person in Huntington, TX complains about having too much insurance when tragedy strikes. There are, however, plenty of cases where boat owners express regret in not having enough insurance to pay for losses. 

You should err on the side of preparedness. Call Integra Insurance Services today to get set up with the right insurance policy for your boat in Huntington, TX.

3 Reasons Real Estate Agents Need a BOP

Selling homes is both an exciting and rewarding career. However, most realtors don’t think about needing appropriate business insurance coverage. At Integra Insurance Services, we feel this is something worth talking about. Here are three reasons Huntington, TX real estate agents need a business owner’s package policy (BOP).

#1: General Liability Coverage

Perhaps the most important reason for a real estate agent to have a BOP is for the part of the policy that includes general liability coverage. Accidents can happen at open house events and if someone is injured, the real estate agent might be sued. Or what if there’s an incident and a home you are showing is damaged accidentally? Instead, it’s better to have adequate business insurance coverage ahead of time.

#2: Business Interruption Insurance

What would you do if you weren’t able to continue to operate your real estate business due to a catastrophic event? In many cases, a BOP offers a limited about of business interruption coverage. This allows you to make arrangements to keep your real estate office going even when disaster strikes.

#3: Coverage for Business Property

Life as a real estate agent means you’re constantly on the go. Since many agents likely don’t have a stationary office, it is important to have coverage for business property. This includes items such as a laptop computer, signage, marketing swag, office supplies, and more. This type of coverage could help you replace these essential items in the event of theft, fire, and more.

Are you ready to take a look at your business insurance coverage? Please contact our team at Integra Insurance Services. We proudly serve those who live in Huntington, TX and surrounding areas.

Can Specialty Property Insurance Cover My AirBnB?

Texas is a hotspot for visitors. People from all over the country travel to the Lone Star state for business and recreation and those of us who already live here do a fair bit of traveling around our large state as well! It’s no surprise then that AirBnB has blown up here over the past several years. Hosting your Huntington, TX home (or a room within it) on AirBnB can be a lucrative way to make some extra cash, but it’s important to make sure that your property is protected.

But here’s the catch — that insurance that AirBnB offers? It’s more of a low-claims reimbursement program that doesn’t actually cover much. And if you have homeowners insurance, chances are your policy doesn’t cover AirBnB scenarios either. 

So, what can you do? 

At Integra Insurance Services, we’re here to help you find a coverage solution for everything that comes your way in life. And yes, that includes AirBnBs. For example, we offer specialty property insurance, which is actually exactly what it sounds like. It’s meant for properties that are special and unique!

Because specialty property insurance can often be written for rentals and vacant properties (when between tenants), this may be a good option for coverage. This kind of insurance may also be used for properties that are in non-traditional locations (like a forest or waterfront), as has become increasingly common with AirBnB properties. After all, specialty property insurance is intended for, well, special scenarios.

The exact kind of coverage you need may depend largely on factors like how often you list/rent out your AirBnB and whether or not you live on the property yourself. 

Have more questions about how specialty property insurance may be able to protect your AirBnB? Call us at Integra Insurance Services or come stop by our offices in the Huntington, TX area at your nearest convenience. 

How to Find Toy Insurance

Toy insurance is needed for your hobby vehicles, including boats, RVs, and ATVs. Having insurance is part of being a responsible recreational vehicle owner and you want to make sure you protect these items. You can find toy insurance in Huntington TX, just like you can find any other insurance policy.

Basic Types of Coverage

Liability coverage will pay for any third-party damage or personal injury that occurs due to an accident with your recreational toy. Liability coverage can be required for certain toy vehicles, such as RVs, if you driving on a state road. Collision insurance can pay for your toy after an accident. Insurance may be required if you have a loan against the RV or boat. Comprehensive insurance can pay for any damages that are the result of vandalism, fire, water, or theft.

Finding an Agent

In order to find toy insurance, it helps to work with an agent so you can secure adequate coverage. Ask for referrals since word of mouth can be a great way to find an agent. Having a local agent in Huntington TX can be helpful since many people prefer in-person appointments. Be sure to interview prospective agents and talk to them about your exact situation and what kind of insurance you need. It helps if your agent is a true expert in toy insurance. An experienced agent can make your case to a claims department and keep an eye on any insurance requirements that can change over the years.

Bundling Coverage

If you own multiple recreation toys then you may be able to save money on your policies by bundling coverage at Integra Insurance Services. Start with current insurance agents to get a quote. You can also have added convenience since all of your policies will be in one place.

Contact Integra Insurance Services to get a quote on toy insurance. 

When is it a good idea to get boat insurance in Texas

Due to the hot summers, investing in a boat in the Huntington, TX area can be a great option. When you have a boat, you will have a great option for spending a hot summer day. While a boat can provide you with a lot of great memories and fun days, it is also a valuable investment. There are several situations in which it would be a good idea to get boat insurance to properly protect your asset.

When You Need Liability Protection

The first situation in which you should have boat insurance is when you need liability protection. Those that operate a boat are taking on a lot of liability risk whenever they use their boat. Not only can you be found liable for boat damage that occurs in an accident, but you could also be liable for any injuries sustained by passengers or anyone else in the water. When you have boat insurance, you will receive protection for this.

When You Invested Your Money

A boat is also a big investment that you need to protect. Since boats can be very expensive, you should make sure that you have money in place to repair or replace it if you suffer a loss. When you have boat insurance, you will receive coverage for a variety of situations that could result in a loss. 

When you are looking for boat insurance in Texas, you should reach out to the team at Integra Insurance Services. The professionals at the Integra Insurance Services know very well what the needs are of Huntington, TX boat owners. They will be able to get you into a policy that will provide you with ample liability protection while also ensuring your boat is properly covered. 

What Is A Specialty Property Insurance Policy?

When you’re in Huntington, TX, it’s important to look at how insurance products can provide protection for the things that you own. There may be unique situations where you have property that needs to be covered. While you may live in one home and have a homeowner’s insurance policy, specialty property insurance can be used for other scenarios.

When to Have Specialty Property Insurance

At Integra Insurance Services, we can help you to determine when it’s best to explore specialty property insurance. This can be used in scenarios when you have a vacation home, a rental property, or even a vacant home that’s been on the market for a while.

Since it’s not your primary home, there’s no need to have homeowners insurance on it. However, you don’t want to leave it without any insurance in case something happens to it. Whether it gets damaged in a storm or someone vandalizes it, you want to be able to file a claim with the insurance company. It offers you the financial protection needed so that you can enjoy greater peace of mind.

Choosing the Right Coverage

It can be overwhelming to decide exactly what kind of coverage you need for a property. By working with an independent insurance agent, you can get recommendations. We’ll need to know things like how much the property is worth, how often it is occupied, and how long you plan on maintaining ownership of it.

Once we know more about your property, we can help you to get the coverage needed. This way, you won’t be out of pocket for all of the damage in the event that something does happen.

We’re here to help you with your property insurance needs in Huntington, TX. Call us at Integra Insurance Services to talk to an agent and learn more about how we can assist you with a policy.