What is Specialty Property Insurance?

Your property means a great deal to you and having a policy that reflects that is important. For properties that are special, unique, or out of the ordinary, specialty property insurance is available. There are tons of different coverage options out there and taking the time to find the right coverage for you and for your property is essential. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the perfect specialty property insurance policy.

Specialty property insurance is a great way to insure properties that are special, unique, and different than other properties. This could mean a property that houses special equipment, a property that has a special piece of art on it, a property that is unique from other properties either in cultural significance or other significance that is not easily quantified. This is a great way to insure your property if it does not fall into any other property insurance categories so that you can insure it properly and do not have to try and make the property fit into another category that may not be perfect for it.

If you have a specialty property, it is always best to take the time to find a specialty property insurance that is going to work for your property rather than trying to make it fit into another category. This type of policy is even good for things like special attractions or other out of the ordinary properties. If you live in the Huntington, TX area, the agents with Integra Insurance Services can help you find the policy that is going to work best for you and for your specialty property. Your property is important and having the right insurance can make a world of difference.  

Insure Your “Toys” for Grown Ups

When we speak of “toys” for adults, it is a colloquial way of describing various recreational and sports vehicles that people use mostly to have fun. This category includes things like all-terrain vehicles, boats, dune buggies, golf carts, kayaks, motorbikes, racing bikes, sand rails, snowmobiles, and travel trailers. It also includes personal watercraft, such as jet skis, windsurfing boards, and equipment used for parasailing.

There are so many kinds of toys for adults that fall into this category. Each type needs to have special insurance coverage. Consult with your insurance agent at Integra Insurance Services, serving Huntington, TX and the surrounding area, to get a quote for adequate coverage.

It is important to understand that many insurance policies have exclusions for some of these activities and this needs to be discussed with your agent as well. For example, enjoying extreme sports may invalidate a claim under a life insurance policy as a specific exclusion. Ask your agent to review all of your insurance policies to make sure any conflicts of this type are sorted out.

Other concerns about insurance coverage for toys are making sure they are protected against theft or damage when in transport and while in storage. Additionally, allowing others to use your toys may increase your liability. This is something to discuss with your agent as well.

The key lesson to learn about insuring recreational toys is to make sure your insurance coverage is adequate before going out to use them. In this way, you will avoid the disaster of lacking proper insurance if some unforeseen accident happens.

To get a quote or update your toy insurance, make a list of all of the items that you own. Use the replacement cost of getting a new one, of the exact same type, as the amount of coverage needed for the equipment. Then, add extra insurance protection for any potential damage to the property of others and the liability for injuries or death. Contact your agent at Integra Insurance Services in Huntington, TX for an insurance update and then go out to have some fun.

Why It’s Important to Review Your Boat Policy Every Year

Texas residents are fortunate to have a lot of lakes to enjoy and explore, and what better way to do so than on a boat? Your boat policy should be reviewed every year to ensure that your coverage is up to date and meets your current needs. The team at Integra Insurance Services is proud to meet the protection needs of our friends and neighbors in the Huntington, TX area.

Your boat policy will likely include information about the distance that you trailer your vessel, whether you store it in dry dock during the off-season and the frequency with which you use it. Because these variables can change from year to year, it makes sense to do a quick annual check to make sure that your coverage is adequate for your current use.

Enjoy Your Time on the Water Responsibly

Boat ownership comes with a high level of responsibility. You are responsible for both your vessel and its passengers along with the safety of the other craft that is also on the water. Comprehensive boat insurance is vital to protect yourself and your assets in the event that you are involved in a mishap with another boat or someone else’s property. When you have an annual policy review you can rest assured that the information associated with your policy is accurate and up to date and that you have the protection that you need. When you know that both you and the other boaters on the water are protected, you and your passengers can enjoy the beautiful lakes that we are fortunate enough to have here in Texas!

Are you in need of a boat policy review? Contact the Huntington, TX team at Integra Insurance Services today to schedule your consultation.

What Toys Can Be Insured

Motorized vehicles are required to have insurance in order to provide sufficient coverage in case you are in an accident. Toys are no exception. Toys are vehicles that are mainly used for recreational purposes. You can get your vehicles insured in Huntington, TX through the Integra Insurance Services.

What are Toys?

Toys are recreational motorized vehicles, which can include but are not limited to RVs, dune buggies, sand rails, all-terrain vehicles, motorcycles, personal watercraft, collectible vehicles, snowmobiles, golf carts, and boats. These vehicles are expensive to purchase and maintain, so any damages to other people or property could result in, not only the loss of the vehicle but could also result in a lawsuit with a large monetary payout.

What Insurance is for Toys?

If you’re moving to Texas, you have 30 days to get insurance. Check with your local independent agents to find out the minimum coverage for your vehicles.

Bodily Injury Liability – covers claims against you if you injure someone. It could help pay for medical expenses.

Property Damage Liability – if you cause damage to another person’s property, you could be responsible for paying for repairs without coverage.

Comprehensive – when your vehicle is damaged from something other than an accident, such as a fire, vandalism, and theft.

Uninsured/Underinsured Motorist – if you have an accident with a vehicle with an owner that is not covered by insurance, you could be covered for repairing or replacing your vehicle.

How to Purchase Toy Insurance

With the independent agents in Huntington, TX at Integra Insurance Services, they’ll be able to search through many policies to provide you with the best option for your recreational vehicle. They will also be able to advise you on the best coverage option for your needs. Stop by today and get your vehicle fully insured.

Am I Required to Have Boat Insurance?

If you are considering purchasing a boat, it’s likely that you have put hours of time and effort into your search. From talking to avid boaters to reading online reviews, it’s important to ensure you purchase a boat that fits your wants and needs. During this process, don’t overlook boat insurance to keep yourself protected. But are you required to have boat insurance? Our team at Integra Insurance Services, serving Huntington, TX, takes a deeper look into the factors that go into answering this common question.

Your State

The first thing you should do is check with your state on boat insurance requirements. While most states, including Texas, do not require boat insurance, some do. If your state does require boat insurance, it may be for boats with specific engines.

Your Bank

If you finance your boat through your bank, boat insurance will likely be a requirement. Oftentimes, your bank will not provide a loan for a boat if you don’t have proof of insurance that covers the entire value of the boat.

Where You Dock Your Boat

Will you be docking your boat at a marina? If so, carefully read the marina contract, as it is likely boat insurance is required to use the facility.

Do You Need Boat Insurance?

While boat insurance is not always required, you should still consider its many benefits. Boat insurance provides peace of mind and protection if something unexpected happened while you were out on the water, and in other situations.

There are several types of boat insurance. Your Integra Insurance Services agent, serving Huntington, TX, can help answer your questions and determine the type of boat insurance that fit your needs. Contact our team today for more information.

What Is Specialty Property, And Why Do I Need To Insure It?

Most people know they need to insure their Huntington, TX home and property with homeowners insurance, cover their vehicles and recreational vehicles with car insurance, and maybe even know the importance of umbrella insurance. But, “specialty insurance” isn’t something most people are aware of. So, what is specialty property insurance, and why do you need it? 

Specialty Insurance 

To put it simply, specialty insurance is what it sounds like: a specific insurance purchased to cover items that are irreplaceable, unique, or special. Specialty insurance covers items or situations that aren’t generally covered with a typical insurance policy. 

What Types of Specialty Insurance Coverage Are Available? 

There are a variety of different types of specialty insurance that go above and beyond your basic coverage. For instance, flood insurance for your car or home. Other specialty insurance policies cover expensive, high-value homes or rentals, watercraft, recreational vehicles, motorcycles, ATVs, and more. Ask your Integra Insurance Services agent about information on the following specialty property insurance needs. 

  • Rare or One-Of-A-Kind Items. Losing a unique item to theft, fire, or flood damage is rough, especially when you find out your insurance did not cover the loss from your home or vehicle. Do you own a classic car? Antiques? High-value art, sculptures, or a valuable coin collection? Specialty insurance can help safeguard you in the case of a loss.  
  • Wedding Insurance.  How do you protect yourself in the event you have to cancel or postpone your wedding? What would happen if a guest is injured during the event due to drinking, or causes damage to the wedding venue? Wedding insurance has you covered.  
  • Travel Insurance. There are a million things that can go wrong on your dream vacation, from lost luggage to lost family jewels to emergency issues. Travel insurance is a specialty insurance that can ensure you get that needed root canal in Paris or get your broken arm fixed in Italy. It can also cover cancellations, weather delays, and even legal costs. Travel includes risks that specialty insurance can cover, such as winter sports injuries, pre-existing medical conditions, and even kidnap and ransom!

Your Collectibles Business Is An Adventure; Make Sure The Right Toy Insurance Keeps Things Fun

While sometimes egos will leave the collectibles dealer feeling like Indiana Jones going after the Ark Of The Covenant, the reality is a little more down to Earth. Cheap motels, unhealthy food, and indigestion tend to be the everyday substitute for lavish locales, exotic food, and beautiful companions.

All collectibles dealers have great hats while hunting and lugging inventory around the country. And like the Ark Of the Covenant, if anything can get in the way of getting that inventory home safely, it will. Plus once its home, all sorts of misfortunes can befall the treasures.

That’s why Toy Insurance is an important part of a dealer’s toolkit, more important than the hats. Toy insurance is the general term for the type of insurance that covers the prized collectibles, both those in the hands of collectors and the dealers without whom these unique objects of the past would be all the rarer.

At Integra Insurance Services of Huntington, TX we understand all the unique niches of insurance for small businesses, including Toy Insurance. Whether you’re a dealer in classic car collections of the 1:1 scale variety (real cars) or 1:64 (Hot Wheels), we have the insurance that’s right for your business. Among the other types of collectibles for which we can find insurance coverage are fine wines, fashion, music memorabilia, movie posters, sports, toys, television memorabilia, and much more.

Just some of the issues faced by collectibles dealers are risks associated with the transport of goods. Accidents and weather can damage inventory before it even gets to your shop for final assessment. Once domiciled at your business location, inventory is still susceptible to the elements, as well as theft and vandalism.

If you’re a dealer in the Huntington, TX area contacts Integra Insurance Services today. We are experts at insuring your inventory the right way.

Do you need boat insurance for jetskis and other watercraft?

It is a good idea to have adequate insurance for everything that people either get into, sit in, or ride on that goes into the water, which is powered by an engine or propelled through the water by a motor. This includes yachts, boats, and other personal watercraft (PWC) such as Jetskis, Sea-Doos, and Waverunners etc. Insurance companies make a distinction between the different categories, so it is best to have a discussion with your agent at Integra Insurance Services, serving Huntington, TX and the surrounding areas, about the type(s) of insurance coverage you need.

Talk With Your Agent to Avoid Gaps in Coverage

Many boat owners who use their boat for recreation also have PWCs. Boat insurance may or may not cover any PWCs. It may need to be extended to gain adequate coverage or you may need an additional policy just for the PWCs. This is why it is so important to talk with your agent in order to avoid gaps in insurance coverage that you may not be aware of, which might exist.

Differences between Commercial and Recreational Use

Tell your agent about all the things that you want to be covered. Make sure to talk about both recreational and commercial uses (if any) that might occur. A commercial use may include such things as renting out the boat to others, taking people on paid tours, or using it for commercial fishing trips.

Letting Others Use Your Boat or Personal Watercraft

Be sure to discuss with your agent if you plan to let others use your boat or PWC. Additionally, it is important to consider the transportation to and from the water if your boat and/or PWCs are stored on shore and what kind of storage facilities are used.

Call your agent at Integra Insurance Services in Huntington, TX to get an annual boat insurance review that provides coverage for your boat and/or PWCs. Then, you can go have fun with the confidence that you have adequate protection for the unfortunate things that may happen.

Do I Need Toy Insurance in Texas?

Everyone wants to have fun in life. Such is the reason why you invest in things such as all-terrain vehicles (ATVs) and boats that go fast. Fun and games can turn catastrophic at any time, though, which is why you need to have toy insurance to pay for accidents on and off the road in Huntington, TX. Integra Insurance Services can help you find the best option for your situation.

What is a toy or recreational vehicle?

A recreational vehicle is not just a motorhome. Motorcycles, as well as golf carts, are also considered autos used for leisurely purposes. You do not, after all, intend to drive a golf cart in the central part of town unless you live in a secluded area such as an island. Many residents of Huntington, TX invest in ATVs for off-road fun, and classic cars are every retired person’s treasure. Dune Buggies, watercraft, Jet Skis, and boats, in general, are also considered recreational vehicles that require a special type of insurance coverage.

What type of coverage should you get?

Most toy owners purchase general liability insurance that pays for bodily injury and property damage. Comprehensive and collision plans are also viable options since they cover everything from damage caused by inclement weather to a fire that ravages through your garage and burns your ATV to a pulp. Collision insurance, in particular, is vital because it pays for damages caused to your property when you hit another person or object. This option is not available to those toy owners who want to find the cheapest way to be insured on and off the road.

You have worked your entire life to invest in something that satisfies your pleasures on the road. Why not choose a toy insurance plan that covers you from the front of your vehicle to the back? Integra Insurance Services can help you find the right policy. Call them today for a quote!

What is Included In Toy Insurance Policies?

The area around Huntington, TX is perfect for outdoor enthusiasts to enjoy their dirt bikes, ATVs, 3-wheelers, and other motorized toys. Integra Insurance Services offers toy insurance policies to protect your leisure time machines. Here are some facts about ensuring your motorized toys.

  • Toy insurance covers all of your motorized toys. Boats, motorcycles, trikes, and other non-passenger vehicles may be included in these policies.
  • The state of Texas requires certain motorized toys to carry insurance coverage. Insurance coverage must include at least $30,000 in bodily injury coverage and $25,000 to cover property damage. Drivers are also required to wear safety helmets when operating these vehicles.
  • Many motorized toys, though not used for regular commuting or travel, still need to be registered with the Texas DMV. As with other vehicles, you will need a title of ownership to register your motorized toy.
  • The minimum coverage required by the state does not cover your equipment. Your insurance agent can customize a policy that pays for any loss or damage you or your loved ones may experience while operating a motorized toy.
  • Comprehensive toy insurance policies protect owners from theft, fire, vandalism, and other events that can damage your equipment and threaten your fun.
  • When your equipment is in storage and not being used, your insurance coverage can be temporarily interrupted. That way, you won’t have to pay premiums for things you aren’t currently using. However, this may leave your toys uncovered in the event of a theft or natural disaster.  Your insurance agent can give you additional ideas on how to protect stored vehicles with insurance policies.

Integra Insurance Services provides toy insurance policies for residents in the Huntington, TX area. Contact our experts today to learn more.