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.      

Why should I get toy insurance?

In the Huntington, TX area, there are a lot of great activities that you can enjoy in the great outdoors. To ensure that you are able to enjoy this area as much as possible, you should consider getting a recreational toy. When you have a recreational toy, you will be able to enjoy the area as much as possible. When getting a recreational toy, you should also get proper insurance for it. There are several reasons why you should get this coverage.

Coverage Will Give Liability Protection

One important reason to get a toy insurance policy is that it can provide you with liability protection. Whenever you operate any type of recreational toy, there is always a chance that an accident could occur. If you do cause an accident, you will need to pay for the ensuing damages. Fortunately, you can mitigate this risk if you get a proper toy insurance policy as it will include liability coverage.

Coverage Will Protect Your Toys

While using a recreational toy should be a lot of fun, it is also an important personal asset. Buying and maintaining a toy will take a lot of personal investment and you will want to protect this as well as you can. A great way to do this is with insurance. When you get recreational coverage, you can opt for a full policy that will cover you against virtually any risk that could result in a loss.

Choosing a recreational toy policy in the Huntington, TX area is a very big decision. If you are looking for coverage here, you should call Integra Insurance Services. The team at Integra Insurance Services can help to guide your decision.

Why Boat Insurance Is Important During The Winter

Integra Insurance Services assists the Huntington, TX community by providing residents with multiple types of insurance policies. We help our clients find coverage so that they will be protected in the face of life’s obstacles. We want you to become a part of the Integra Insurance Family.

Why Boat Insurance Is An Asset During The Winter

If you are a boat owner in the Huntington, TX area, boat insurance will protect you against some of the risks associated with operating a boat. The policy covers you in case there is an accidental fire or collision with another boat or object. You can add emergency assistance to cover you if your boat sinks or capsizes. If you are operating your boat with passengers onboard, liability coverage will protect you if someone gets injured on your boat. While you might not think that boat insurance is necessary during the Winter, the policy is actually an asset.

As you prepare to store your boat somewhere until things warm up again, there are a few things that you need to consider. Keep in mind that your boat is still at risk. There is a possibility that someone may steal your boat. A tree could fall over on your storage unit, which could cause serious damages to your boat. An object may fall over on your boat and cause a dent or a scratch. Perhaps a crack forms in the place where you are storing your boat, which could lead to your boat being damaged by inclement weather. Boat insurance allows you to have protection if an unforeseen circumstance arises. Make sure that you research different boat insurance policies carefully.

Integra Insurance Services Will Help You Protect Your Asset

Visit our website to learn more information about boat insurance policies.  

Insuring Your Family Heirloom Jewelry with Specialty Property Insurance

Specialty insurance remains so special that few people know what it really does so Huntington, TX’s Integra Insurance Services created this blog to let you know how to use this little-known type of policy. Most individuals who do know think of it in terms of event insurance. This is the type of policy that people usually purchase to protect their conference, convention, or wedding. 

You can also use this to protect jewelry, a common need when people get engaged since they want to protect the ring through the time of the wedding ceremony. It also protects family heirloom pieces though. A specialty property insurance policy has many uses and while this is not the most common, it does come in handy.

This type of policy can be a primary or a secondary. You can use the property insurance coverage in your home insurance as well as a specialty insurance policy to protect property such as family vases, furniture, jewelry, and other heirlooms. When you use it this way, it functions as a secondary policy.

When you purchase a specialty policy as coverage for an engagement ring, but you have no other insurance policy whatsoever, the policy functions as a primary policy.

Specialty policies protect both tangible and intangible property making them one of the most flexible types of insurance. You can purchase these policies to suit the items you need to insure. You might purchase a policy to cover your engagement ring for $5,000. Two years later, you might purchase a different specialty policy to insure the antiques left to you by a deceased relative in the amount of $500,000. These flexible policies can insure almost any amount as long as your insurance company will underwrite that amount.

Contact Huntington, TX’s Integra Insurance Services for more information on how you can protect your property with a specialty policy. It works as primary or secondary insurance and can cover any type of personal property.

Boat Insurance FAQs

Boating is a popular pastime in Huntington, TX. It’s a great way to get away from the hustle and bustle of the city and beat the Texas heat. However, before you hit the water, you must have the proper insurance coverage. At Integra Insurance Services, we offer insurance for many types of boat and watercraft. 

What Does Boat Insurance Cover?

This depends on the type of policy you have. 

Basic coverage options include:

  • Collision (damage to your boat)
  • Property damage liability (damage to another’s boat or property)
  • Bodily injury liability (covers other party’s medical expenses)
  • Comprehensive (covers damage that doesn’t happen on the water)

Does Home Insurance Cover My Boat?

Your homeowner’s policy likely provides some protection for your boat, but it may not be enough to cover the damages. Some policies only cover the boat when it is on your property, not when it’s on the water. In most cases, your homeowner’s policy doesn’t provide the coverage you need for your boat.

Sinking and Wreckage Removal

This is an important aspect of a boat insurance policy. If your boat sinks or wreckage has to be retrieved, the cleanup can be expensive. It’s recommended that you have a policy that covers sinking and wreckage removal. 

What’s the Difference Between Comprehensive and Collision?

Comprehensive and collision together will protect your boat from most types of damage. Collision means that your boat is on the water and collides with another object. This could be a dock, another boat, or rocks. Comprehensive coverage is for incidents not related to the use of your boat. If it is damaged during storage, for example. 

If you own a boat or watercraft in Huntington, TX,  contact Integra Insurance Services. We can provide the policy that best suits your needs, so you can enjoy your time on the water worry-free. 

How can a toy insurance policy protect me in Texas?

In the state of Texas, a lot of people will live near areas where this a lot of open land. At the same time, there is great weather most of the year. For those that are in the Huntington, TX area, owning a recreational toy can allow them to get the most out of living in this state. When you do own a recreational toy, it is important that you get a proper insurance policy for your asset. A toy insurance policy can protect you in a number of different ways. 

Protects Asset

One of the advantages of a toy insurance policy is that it can protect your asset. A recreational toy can come with a big investment and you will want to protect this as well as you can. One of the best ways that you can protect this investment is by getting a toy insurance policy. With this insurance, you will have coverage if your toy is damaged or stolen.

Gives Liability Coverage

Whenever you are operating a recreational toy, there is going to be a chance that you could cause an accident that comes with damage. A toy insurance policy will come with liability insurance protection. This way, you will have coverage to handle the damages that are caused in an accident.

When you are looking to get a toy insurance policy, it is important that you know all of your options. A great company to reach out to when you are choosing a toy insurance policy in the Huntington, TX area is Integra Insurance Services. When you call the team at the Integra Insurance Services, it will help to ensure that you receive the support you need to understand your options and pick the right policy for your situation.

Specialty Property Insurance Is To Protect You When You Need it Most.

Sometimes when you need insurance the most, you discover that there is a circumstance that makes purchasing it difficult. Even if your property is not easily insured we understand that insurance is vital even if there are things in the way. This is where specialty property insurance is vital. We serve the community of Huntington, TX and the surrounding areas at Integra Insurance Services and we can help you even if you may have a special circumstance. 

Specialty property insurance is pulled in when a property owner tries to purchase insurance and discovers that there is something that makes it a little more complicated. Examples of this are if your home is extremely old or low in value if your home is left vacant for much of the time, if the home has more than one family unit living in it, or if the purchaser has too many insurance claims in the past. Also if the area the home is located required add ons like flood or fire then specialty insurance may be called for. There are many situations and this type of property insurance is designed to help ensure the hard to insure people and places. We will be happy to discuss your needs and your current situation. 

Huntington, TX has homes of all types of ages and properties with many variations of risk. If you worry that purchasing insurance may be complicated with your situation contact us at Integra Insurance Services. We can make it seem simple and help you with the specialty property insurance services you need for the protection you want. Call us today to learn more. 

What is term life insurance?

There are different types of life insurance that are available based on a policy holder’s needs. Term life insurance is one such type of coverage that is utilized by many who have invested in a policy. Integra Insurance Services is a company that provides this kind of coverage for people in the Huntington, TX area. 

How term life insurance works

This is a type of coverage that lasts for a specific timeframe or term of years. If the policyholder dies during this term, their beneficiaries will receive the amount of coverage listed in the policy.  

These policies are generally more affordable than whole life insurance and other types of coverage, and they give the best value relative to their cost. This is because the policy does not technically have any monetary value until the death of the insured person, and it does not allow for cash payouts in most cases. A term policy can be beneficial if someone wants coverage during a specific period of their life, such as while they are raising young children or working in a certain occupation. People who want to invest in permanent coverage that can last for the rest of their life should look into other types of coverage. However, when a term policy ends, the policyholder can renew it or convert it to a different type of life insurance if they choose to do so. The specifics of a term policy will vary based on a person’s age and life expectancy. 

Learn more about setting up a life insurance policy

If you have any other questions about term life insurance, you can contact an agent at Integra Insurance Services. They serve people in the Huntington, TX area with great insurance coverage. 

How Often Should I Take Boat Insurance Inventory?

When you head out in your car or boat, your home insurance will cover anything that you bring from home. But for many boaters in Huntington, TX, there is property that is intended to stay on the boat. In particular, we’re talking about boating equipment, but also any clothing, appliances, and anything else you might keep onboard. If you want your boat insurance to cover this, then you need to keep an inventory.

So how often should you update this inventory?

  • After a big purchase. If you just bought a new anchor or installed a mini-fridge, you can go ahead and contact your agent and add that right away. Provide your insurance company with photos and receipts and you’re good to go.
  • Once every six months to a year. As with purchases for the home, purchases for the boat tend to accumulate over time. You don’t need to call your insurer every single time you put a new shirt in the cabin’s dresser, but after a year or so, a wardrobe gets to be expensive to replace. It’s a good idea to video this documentation so that you don’t miss anything.

The personal property insurance for possessions you keep on your boat is unlikely to cover anything close to the value of the possessions in your home. If you own a smaller boat, it might not even be worth documenting anything but boating equipment. But if you own a larger boat for long cruises, you’ll be glad you kept your insurer up to date.

If you’re still shopping around for boat insurance in Huntington, TX, get in touch with Integra Insurance Services. Pick up the phone or go to the Integra Insurance Services website to see what they can do for you.

Hard to Insure? Consider Specialty Property Insurance.

Do you own a property that has special insurance needs that make purchasing insurance a little less straight forward than otherwise? At Integra Insurance Services we’ve seen it all and we can likely provide you with the exact insurance you need for coverage in your unique situation. We serve Huntington, TX,  and the surrounding areas with quality insurance services. 

Situations That May Require Specialty Property Insurance:

  • Multi-Family Property If you rent out or own a home that has more than one family unit living in it, such as a duplex or a multifamily apartment complex you will face increased risk situations that you will want to be fully covered for. 
  • Mobile Homes There are some special insurance considerations for mobile homes, particularly older ones. You may need to purchase additional coverage and there comes a point where your mobile home may be difficult to insure at all if it was built before a specific date. 
  • Coastal Homes Beach and tidal river homes are the best, right? But for all the perks the risks are also high. If you have a home on the river, lakeside, or on the ocean you can still purchase insurance, and certainly should, but there are some special considerations. 
  • Rental Homes If you rent out your property your insurance will be different than the homeowner’s insurance policy you would buy if you lived there. Contact us to learn more. 
  • Vacant Property There is specific insurance for properties that sit vacant for an amount of time that you should purchase to keep you covered in any situation. 

Integra Insurance Services serves the community of Huntington, TX with premium insurance for all your business and personal needs. Contact us today to learn more about specialty insurance.