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. 

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.