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.

What is toy insurance

The only difference between kids’ toys and grownups’ toys is in the price range and the size. It’s important to protect your pricey toy by having toy insurance with Integra Insurance Services. Even though they are labeled as toys, these highly technical machines such as sailboats, motorcycle, snowmobiles, classic cars, RV, all-terrain vehicle, and crafts, can cause immeasurable damage to both people and property. Huntington, TX has wonderful weather for outdoor activities, thus making the need for proper coverage for your toys critical.

Toys are often used in very unconventional ways like off-roading and speeding. This increases their chances of getting into accidents. Neglecting insurance for your toys could lead to costly consequences. These toys are used for different purposes and in different manners, so insurance coverage may vary across each model; even so, most of them will include the same coverage options like:

Liability: Takes care of bodily injury liability and property damage liability towards a third party in case you cause an accident.

Collision: Covers damages when your toy is hit or hits another toy or object.

Comprehensive: Takes care of damages/losses that aren’t due to collisions such as fire, vandalism, and theft.

Underinsured/uninsured: This coverage takes care of your injuries and those of your passengers in case an Underinsured/uninsured driver causes an accident. Plus, it can help during hit-and-runs.

Whether you are in the lake relaxing in your boat, riding with friends, or enjoying a road trip with your family, it’s important to protect what you have worked so hard to acquire.

At Integra Insurance Services, we offer customized toy insurance policies in Huntington, TX and its environs to suit the specific needs of your toys at affordable rates. Protect your toys from unforeseen circumstances. Contact us today and get a quote or for any inquiries.

Do I Need Commercial Insurance?

Owning a small business and becoming an entrepreneur is a dream that many people share. For those that are looking to own their own business, there are many very important factors that need to be taken into consideration. One important decision that needs to be made in determining whether or not you should get a commercial insurance policy. There are several reasons why Huntington, TX business owners should get a commercial insurance policy.

Limits Liability

One of the main reasons why you should have a commercial insurance policy is that it will limit your liability. Business owners that produce a product or provide a service are taking on a lot of liability every time they serve a customer. When you have a commercial insurance policy in place, it will provide you with liability insurance protection. This can be very valuable protection if you are ever deemed liable for an accident.

Protects Employees

Another reason why you should have a commercial insurance policy is that it will help to protect your employees. Commercial insurance policy typically includes a workers compensation component. This type of insurance will provide protection and coverage in the event an employee is injured while on the job.

Property Coverage

If you own your place of business you will also want to have commercial insurance to provide coverage for your property.  This will provide you with coverage for the building and all of the content underneath it, including inventory and valuable equipment.

Since having a commercial insurance policy is very important, Huntington, TX business owners should speak with the Integra Insurance Services company to determine their insurance needs.  The Integra Insurance Services company will be able to help you better figure out what type of insurance you need to properly protect your business.

Reasons Your Auto Insurance Company Drop You

The last thing that anyone wants to receive is a notice in their mail from their auto insurance company stating that they are dropping their insurance company. Here at Integra Insurance Services, serving the greater Huntington, TX area, we want to help you understand why an insurer may drop you so you can work to avoid these situations. Here are three of the top reasons why an auto insurance company may drop a driver.

You Misrepresented Your Past Driving Record

One of the reasons an auto insurer can cover you is because you misrepresented your past driving record. You can sign up for same day auto insurance with a variety of carriers. However, it can take them a few days or weeks to check your driving record and make sure what you stated is the truth. If they find out that you have more accidents or tickets than you stated, they reserve the right to increase your policy or drop you.

You Didn’t Pay Your Bill

The most common reason why an auto insurance company may drop your auto insurance coverage is that you didn’t pay your bill. Always pay your car insurance bill to maintain your coverage.

You’ve Been Driving Unsafely

The last reason your auto insurance company may drop your coverage is that you have been driving unsafely. If you have suddenly gotten in a bunch of accidents, racked up traffic tickets or obtained a DUI, your insurance company may drop you.

If an auto insurance company is preparing to drop you, you will want to obtain auto insurance through another company as quickly as possible. This helps to ensure you do not have any lapses in coverage. If you are in need of auto insurance, contact Integra Insurance Services, serving the greater Huntington, TX area, for a quote today.