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.

 

Why should someone get boat insurance?

For people in the Huntington, TX area, owning and operating a boat in the summer months can be a lot of fun. Nothing is quite better than spending a nice afternoon on a lake or other waterway on your very own boat. When you own a boat, it is important that you make sure that it is properly covered and protected. There are several reasons why someone should make sure they have boat Insurance in place at all times.

Concerns Over Liability

One of the main reasons why you will want to get boat insurance on your boat is because it will provide you with liability protection. In most situations, you will be very safe when you are operating your boat. However, accidents do happen from time to time, which could lead to damage and expenses. If you are found to be at fault in an accident, your boat insurance policy will provide you with a certain level of liability protection.

Protects Your Asset

Buying a boat can be a very major purchase and expense. Because of this, you need to consider your boat to be a personal asset as well. To make sure that you are properly protected, you should get a boat insurance policy that will provide you with protection for a variety of losses including theft, vandalism, or damage caused to your boat in an accident.

If you own a boat in the Huntington, TX area, one of the best places to start your search for insurance is with Integra Insurance Services. The team at Integra Insurance Services knows how important it is to have a quality boat insurance policy in place at all times. They can help you to better understand your needs to make sure that you are properly covered.  

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.