Can Commercial Insurance Protect My Business During Power Outages

Posted on by AgentInsure

Power outages can be a significant problem for businesses in Huntington, TX. Not only do they cause disruption and lost profits, but they also put your business at risk of property damage. Thankfully, commercial insurance can help protect you from these risks. Let’s discuss how this type of coverage can help keep your business safe and secure during power outages. 

What is Commercial Insurance? 

Commercial insurance protects businesses from financial losses because of various risks, including property damage, liability claims, and theft. It helps provide peace of mind that you will have the resources necessary to repair or replace any damaged items or equipment should something happen during a power outage. An Integra Insurance Services agent can help you find the right coverage for your business.

Types of Coverage for Power Outages 

When selecting commercial insurance for your business in Huntington, TX, it is essential to understand the different coverage options available to decide which policy best meets your needs. Common coverages include: 

  • Property Damage – Covers property damage caused by power outages (e.g., broken windows or doors) and any resulting losses because of the outage (e.g., food spoilage). 
  • Business Interruption – Helps protect against lost income and additional expenses incurred when operations are interrupted by a power outage (e.g., temporary relocation costs).  
  • Liability – Covers third-party claims related to property damage or injuries caused by a power outage (e.g., slip and fall incidents).  

Power outages can be disruptive and costly for businesses in Huntington, TX. Still, commercial insurance can help protect you from some of the associated risks if something happens during an outage. To learn more about how commercial insurance can benefit your business or get a quote on the right policy for you, contact Integra Insurance Services.

Don’t Leave Your Most Valuable Asset Unprotected – Get Homeowners’ Insurance

Posted on by AgentInsure

Integra Insurance Services of the Huntington, TX area can provide the homeowners’ insurance you need to protect your home.

Homeowners insurance is vital because it protects your home and personal belongings. In the event of a total loss, this policy would be the primary source of the funds needed to rebuild. It also provides liability coverage in the event of a lawsuit against the homeowner if someone is hurt on their property.

For most people, our home is the largest single investment we will ever make. Homeowners insurance protects the equity in the property. Equity is the property’s value over and above the mortgage amount still owing. As renovations to the home are made, the equity goes up.

Even if your home is free and clear of any mortgage, you still want to have this insurance. If you are sued for any reason, the equity in your home could be lost to another. Keeping this policy in good standing is a way to cover the costs of repairing or replacing your home and its contents.

Homeowners insurance is not a requirement in many states. But most mortgage companies and banks insist you carry insurance. Why? This insurance policy will protect the lender’s interest in the property if the house is destroyed or damaged. Lenders want the property owner to have enough insurance to cover the amount of the mortgage.

But there are a few things homeowners insurance usually will not cover. Valuable artwork, jewelry, collectibles, damage caused by flooding or an earthquake, or identity theft are not covered.

If you live in the Huntington, TX area, contact the professionals at Integra Insurance Services for a no-obligation quote or answers to any questions you may have. You will be glad you did.

Four Signs It’s Time to Upgrade Your Auto Insurance

Posted on by AgentInsure

Like most Huntington, TX drivers, you chose what you thought was the best option when you first signed up for your policy. But things change about a person’s life, and that person’s auto insurance policies should change. Here are some signs it’s time to talk to an Integra Insurance Services agent about an upgrade.

1. You’ve moved recently

Laws, requirements, and regulations vary from one state to another. So if you haven’t revisited your policy since moving to Texas, it’s time to do so. You should do the same if you’ve recently moved from a small town to a big city or vice versa.

2. Your credit score has improved

Many states allow insurance policies to consider a potential policyholder’s credit score when quoting rates, and Texas is one of them. So if you’ve been working hard to improve your credit rating lately, you’ll likely qualify for a better rate on a more comprehensive plan.

3. There are more drivers in your household

Are you recently married, or have any of the children in your household reached driving age? Naturally, you’ll want to think about adding them to your auto insurance policy, and that’s a great time to consider whether your current policy is still the best fit for you.

4. You’ve had your policy for years

Insurance policies are up for renewal every year, but many people never stop to consider whether it might not be better to switch policies instead of blindly renewing. If you’ve had the same policy for many years, you owe it to yourself to make sure it’s still your best option.

Whether you’re looking to upgrade an existing policy, have just moved to Huntington, TX, and need to switch your policy, or want to know your options, Integra Insurance Services is here to help. Get in touch today to learn more!

Why is it a good idea to get boat insurance in Texas?

Posted on by AgentInsure

Owning a boat in the Huntington, TX area can be a great idea. When you are a boat owner, you have a fun asset to use when the weather is hot. If you are going to get a boat, it is vital that you also get the right insurance. A boat insurance plan is an excellent form of coverage as it offers various types of support. 

Cover Your Boat

An important reason for anyone to have boat insurance in this part of Texas is to ensure they can cover their boat. If you purchase a boat, you will want to be able to use and enjoy it for a long time. With a boat insurance policy, you can get this support as it will give coverage if your watercraft is stolen or damaged in an accident. 

Reduce Liability Risks

The use of a boat insurance plan is also a good idea, as it can reduce your liability risks. There is always a chance that you could cause a collision and damage when using a boat, and you would have to cover the damage in this situation. If you obtain boat insurance, it will provide the support necessary to offset this concern. 

If you are in the Huntington, TX area, it would be a good idea to ensure you are appropriately insured. For boat owners, this means having boat insurance. When you are looking for a boat here, it would be helpful to start your search by calling the team with Integra Insurance Services. There are a lot of choices to make when looking for coverage, and Integra Insurance Services will offer the help necessary so you can build a plan that will meet your needs. 

Can I get toy insurance for my four-wheeler?

Posted on by AgentInsure

If you enjoy expensive toys and own a few, toy insurance may be something you’d be interested in. Just as you insure your car, home, and other important possessions, your toys also need protection. Our Integra Insurance Services team in Huntington, TX helps toy owners understand the benefits of toy insurance and get the coverage they need.

What is Toy Insurance? What are the Benefits of Toy Insurance?

Toy insurance is insurance that provides coverage for your recreational toys. This coverage includes liability protection, comprehensive and collision coverage, and in some cases, uninsured and under-insured coverage. This coverage mimics traditional auto insurance in many ways. However, it’s designed to cover your recreational toys. 

Can I get toy insurance for my four-wheeler?

Yes. Toy insurance is insurance designed expressly for your expensive toys. Consider your four-wheeler or ATV. Although you don’t use these types of vehicles to go to work or navigate the roads and highways, you still drive them for fun, and they are still motorized vehicles. Similar to car insurance, toy insurance pays for repairs and medical bills that may result from accidents. This insurance covers your collectibles, recreational vehicles, and ATVs. Snowmobiles and boats can also be covered by toy insurance. Toy insurance can also pay for the replacement of your toy. Toy insurance provides liability protection, medical coverage, and protection for your assets. Property damage coverage is another benefit of toy insurance. Liability coverage includes coverage for other people’s medical bills and property. If you have more questions about toy insurance, we can help. Call us. We’d be happy to help you explore all of the benefits. 

How to Insure Your Most Valuable Property

Posted on by AgentInsure

No one’s property is ever completely safe from the possibility of damage or destruction. Whether it be from severe weather, a fire, or even a burglary, it’s essential to have insurance to protect yourself financially in case the worst does happen. Here are some tips from Integra Insurance Services of Huntington, TX on insuring your most valuable property.

Specialty Property Insurance: What’s Covered and What’s Not

Specialty property insurance is a type of insurance that covers specific types of property. This can include things like jewelry, art, and other valuables. It can also cover things like business equipment and machinery. Specialty property insurance usually has higher limits than standard property insurance, which may cover items not covered by standard insurance.

How Much Specialty Property Insurance Do You Need?

There’s no definitive answer to this question, as the amount of specialty property insurance you need will depend on several factors, including the type and value of the property you’re insuring, the risks associated with that property, and your overall financial strategy.

However, as a general rule of thumb, you should insure your specialty property for at least its replacement value – that is, the cost of rebuilding or repairing it in the event of a covered loss. If you have a mortgage on the property, your lender will likely require you to carry insurance up to the total value of the loan. Beyond that, it’s essential to consider a loss’s potential consequences and ensure you have enough coverage to protect yourself financially.

How We Can Help You

Integra Insurance Services offers a full range of insurance products to meet your needs, including specialty property insurance. We can help you determine how much coverage you need and compare it to your standard homeowner’s policy. We can also help you develop a home inventory and determine the value of your highly prized belongings. Our experienced agents will work with you to find the right coverage for your needs and budget. If you’re a homeowner in Huntington, TX, contact us today to learn more about our specialty property insurance options.

Is commercial insurance mandatory in Huntington, TX?

Posted on by AgentInsure

Commercial insurance is not mandatory in Huntington, TX. Although no law requires businesses to have commercial insurance, many Integra Insurance Services clients choose to purchase it. However, this doesn’t mean having coverage in place is not a good idea. Many landlords and other business partners will require proof of commercial insurance before entering into contracts with new businesses.

Commercial insurance is a type of liability insurance that covers businesses for financial losses resulting from claims or lawsuits related to their operations. This coverage can protect against various risks, including property damage, personal injury, and professional malpractice.

What Does Commercial Insurance Cover?

Commercial insurance policies can vary greatly. However, most policies will include some combination of the following types of coverage:

  • Property Damage Coverage: This coverage can help to protect your business if your property is damaged or destroyed by fire, vandalism, or another covered peril.
  • Business Interruption Coverage: This coverage can help offset the lost income and expenses that result from temporarily closing your business due to property damage or another covered event.
  • Liability Coverage: This coverage can help protect your business if you are sued for damages resulting from an injury on your property or negligence.
  • Professional Liability Coverage: This coverage can help to protect your business if you are sued for damages resulting from professional negligence.

Integra Insurance Services Can Help

Carrying commercial insurance is not required in Huntington, TX. However, this doesn’t mean having coverage in place is not a good idea. Many landlords and other business partners will require proof of commercial insurance before entering into contracts with new businesses. Contact Integra Insurance Services to find out how we can help you.

Things that home insurance won’t cover

Posted on by AgentInsure

Owning a home is part of the American dream. Keeping that home safe is vital to your financial security. Home insurance offers a lot of coverage, but, like most types of insurance, there are exclusions. At Integra Insurance Services in Huntington, TX, we know our customers, and we will ensure that you have the coverage that will give you the protection you need. 

Earth movement

If you live somewhere with the possibility of an earthquake and damage to your home, you won’t be covered with your traditional home insurance. In addition to earthquakes, mudslides, landslides, and sinkholes are not covered. The good news is that you can purchase additional insurance that will provide you with that coverage. 

Owner neglect

Your carrier has expectations that you will maintain your property. That means doing needed repairs before they lead to damage to your home. Things like a leaking roof that isn’t the result of a high wind event won’t be covered, nor will any damage to the interior of your home. If you get termites, you are responsible since you should have your home treated. 

Flood

Floods affect so many areas these days that they are a real danger to many homeowners. Your home insurance will not cover surface water. If your house gets flooded due to a broken pipe in your home, that is a different matter. You can purchase flood insurance through the National Flood Insurance Program to protect your physical home and content.  

Sewer backup

A sewer backup is one of the most disgusting things that can happen to your home. Even more appalling is that your home insurance doesn’t cover it. 

Contact Integra Insurance Services in Huntington, TX when you are ready to discuss your home insurance policy and coverage.

Worst Mistakes People Make When Purchasing Auto Insurance

Posted on by AgentInsure

Purchasing auto insurance is a vital decision that comes with owning a car. Your policy is what protects you financially in the event of an accident. Despite its importance, many people make mistakes when purchasing auto insurance, costing them more money in the long run. This blog post will discuss people’s worst mistakes when purchasing auto insurance.

1. Not Doing Your Research 

One of the most important things you can do when shopping for auto insurance is to research your options. Many different companies are out there offering a wide variety of coverage options and rates. By shopping around and comparing rates, you can be sure that you’re getting the best possible deal on your auto insurance. 

2. Not Getting Enough Coverage 

Another mistake people often make is not getting enough coverage. Being on a tight budget doesn’t mean you should skimp your auto insurance coverage. Remember, you could face severe financial difficulties if you get into an accident and don’t have enough coverage. 

3. Not Reading the Fine Print 

Before signing up for auto insurance, you must take the time to read through the policy documents. There may be some exclusions or limitations that you’re not aware of. You could be unpleasantly surprised later if you don’t read the fine print.

4. Failing to Disclosure Important Information 

When applying for auto insurance, you’ll be required to disclose various information about yourself. It would help if you answered all questions truthfully and accurately. If you fail to disclose important information, it could invalidate your policy or lead to higher rates. 

Get Auto Insurance in Huntington, TX

By avoiding these mistakes, you can be sure that you’re getting the best possible deal on your coverage. If you’re looking for auto insurance, Integra Insurance Services can help. We offer a wide range of coverage options, and our experienced agents can help you find the perfect policy for your needs. Contact us today for a free quote.

What Is Covered Under Boat Insurance?

Posted on by AgentInsure

If you are a new boat owner, knowing what is covered under your boat insurance policy is essential. Many assume that their policy covers everything, but this is not always true. Boat insurance policies do not typically cover certain things.

However, every policy is different, so it is crucial to read through your specific policy to understand what is and isn’t covered.

Read below to understand the most common things covered under boat insurance policies.

Theft of Your Vessel

Boats are stolen every day in the United States. Boat theft is one of the most common types of crimes in the boating industry. If your boat is stolen, your boat insurance policy will likely cover the cost of replacing it.

However, certain factors must be met for theft to be covered. For example, most insurance companies will require you to have taken reasonable steps to prevent theft. This means having a security system, such as an alarm or GPS tracking device.

Some policies also require you to file a police report within 24 hours of the theft. Be sure to check your policy to see what the requirements are for theft coverage.

Accidents Caused by Your Vessel

If your boat causes an accident, your boat insurance policy will likely cover the cost of any damage caused. This includes damage to other boats, as well as property damage and injuries. Your policy will also likely cover the cost of any legal fees that may be incurred due to the accident.

There are, however, some exceptions to this rule. If your negligence or recklessness caused the accident, your policy might not cover the damages. Additionally, if you were operating your vessel under the influence of drugs or alcohol at the time of the accident, your insurance company may refuse to pay any claims.

Destructions Caused by Natural Disasters

The sea is unpredictable, and even the most experienced sailors can find themselves in danger. Natural disasters, such as hurricanes and typhoons, can cause severe damage to your boat. That’s why it’s important to have boat insurance that covers you in case of a natural disaster.

Boat insurance typically covers damage caused by storms, floods, waves, and other water-related damage. It also covers damage caused by fire, lightning, and explosions. But it’s important to check with your boat insurance provider to ensure you’re covered in case of a natural disaster.

Are You Ready to Purchase Boat Insurance?

Are you looking to purchase boat insurance in Huntington, TX? If so, look no further than Integra Insurance Services. We are a leading provider of boat insurance in the area and can help you find the perfect policy for your needs. Contact us today to get started.