Why Home Insurance is a Good Idea in Texas

Buying a home in the great state of Texas is an achievement like no other. Settling down in the Lone Star State is something many people only dream about – and you’ve done it! 

Now that you own a home, you’ve got to insure it properly with the right coverage for your family and your needs. 

Why Insurance for My Home?

Rules and regulations aside, home insurance provides the peace of mind that even a cushioned bank account can’t. Home insurance takes care of you in the event that something bad happens, be that a natural disaster, fire, theft, vandalism, or anything in between. Money runs out, but your insurance policy won’t if you have the right coverage. 

Residents of Huntington, TX should do their due diligence and look into their current policies and see what is missing or needs to be updated. Integra Insurance Services is happy to evaluate your plan and help you shop for a better policy with more thorough coverage. We are living in difficult times, and you don’t want to put yourself in the line of potential financial hardship by failing to properly insure your home. 

From protecting your personal belongings to your valuables within the home, to the structures on your property like a shed or pool, to liability coverage that saves you if someone gets injured on your property. These are just a few of the coverage options that a quality home insurance policy offers, and you should prioritize investing in one if you haven’t already. 

If you live in Huntington, TX and are in the market for a better home insurance plan, Integra Insurance Services is here for you. Don’t hesitate to reach out to us and we’ll take care of you. 

Tips for Driving in the Rain

When driving in the rain, you must take extra caution. The road conditions can be unpredictable, not to mention the fact your visibility is often compromised. The team at Integra Insurance Services decided to put together a few simple tips for driving in the rain for Huntington, TX residents.

Tip #1: Use Your Headlights

While a very simple task, many drivers forget to turn on their headlights if it is not dark outside. However, you can increase your safety as well as the safety of others by turning on your headlights when it’s raining. In doing so, you are simply ensuring that other motorists are able to see you better in low visibility conditions.

Tip #2: Reduce Your Speed

The speed limit you see posted on the road is for typical road conditions. Therefore, when you encounter any kind of adverse weather conditions, such as rain, it is a good idea to reduce your speed. This can help you maintain control of your vehicle.

Tip #3: Increase Your Following Distance

In addition to slowing down during the rain, you also want to ensure that you fall back from the vehicle in front of you a bit. Ideally, you want to leave around three or so seconds between you and the vehicle in front of you. However, when it is raining, you should increase this to about six seconds or so. You may even want to add a couple of seconds if you are driving at night and it’s raining.

Tip #4: Know How to Correct Hydroplaning

Hydroplaning occurs when one of the tires comes into contact with too much water and loses traction, resulting in the vehicle skidding out of control. This can be incredibly scary. In the event this happens to you while driving in the rain, remain as calm as possible. Turn the steering wheel—gently—in the same direction your vehicle is hydroplaning because this will help to get the tires to realign with the automobile. Give the brake pedal a light pump, or press the brakes as normal if you have antilock brakes in an attempt to slow the vehicle down and regain control.

Whether you are interested in more safe driving tips, or you would like to ensure you are properly insured with your auto insurance policy (or maybe need to get one!), reach out to our team at Integra Insurance Services, serving Huntington, TX.

What is Covered Under a Toy Insurance Policy?

Recreational toy owners in Huntington, TX know how much fun every season can be with this type of vehicle. Sharing memories and adventures with family and friends is a great way to enjoy everything Texas has to offer. 

In the same way that you protect your home and vehicles with insurance, you should maintain a recreational toy insurance plan as well. While some people think that insuring these types of toys isn’t necessary, the agents and team at Integra Insurance Services highly recommend doing so. 

Two important ways that toy insurance protects you are liability coverage and asset protection. 

Liability coverage is necessary when you are at fault in the event of an accident. If you’re in a collision while driving your toy and you are at fault, liability coverage will protect you from the financial stress an accident can cause. If anyone is injured in an accident and needs medical care, liability insurance protects you from having to pay those bills.

If your recreational toy is stolen or damaged in any way, asset protection will absorb the costs associated with this scenario. Financial support is a valuable benefit to any type of insurance because you can’t plan for everything that could potentially happen. Let an insurance plan provide you with peace of mind that your toys and other financial assets are covered. 

The team at Integra Insurance Services can help residents in the Huntington, TX area find a recreational toy insurance plan that suits their needs and protects their assets. All your investments should be properly covered by insurance, and our agents can help you build a policy so you can get out there and enjoy all the great adventures that Texas has to offer. 

Do I Need Boat Insurance in Texas?

In the great state of Texas, boating is an extremely common and enjoyable hobby (or professional line of work) for many of the residents here. In Huntington, TX, you will want to make sure you keep all investments, from your home and vehicle to other toys like boats and RVs properly insured. The team at Integra Insurance Services strongly encourages all Texas residents to look into their policies each year to confirm they have the proper coverage they need.

While watercraft insurance isn’t legally required in Texas, it’s still required to have boat insurance to register your boat with the state. Lenders often require insurance as well, to protect the investment they’re making by giving you a loan.

Boat insurance may seem like an unnecessary extra step, but we assure you it’s more than necessary, regardless of if you’re an amateur boater, a skilled professional, or if you fall somewhere in between. You have no way of knowing what may occur on the water and proper insurance coverage is essential to protect your physical well-being, as well as your financial situation. 

From underinsured coverage to collision coverage, there are various insurance policies you can select for your boat. Don’t wait for an accident to happen to look into boat insurance — prioritize it today and you’ll thank yourself later. 

The team at Integra Insurance Services is highly qualified at finding the right insurance coverage for Huntington, TX residents and their families. We’re happy to look into your current insurance plan, make recommendations, and find the right coverage for you and all your investments. If you need guidance about finding a boat insurance policy, please don’t hesitate to reach out to us. We’re here to help!

Special Property Insurance Ins and Outs

If you want to safeguard that your property is insured as comprehensively as possible, you might want to consider special property insurance. Special property insurance is a different type of home insurance where you can ensure appropriate coverage for any emergency or situations specific to your area. 

Integra Insurance Services in Huntington, TX is proud to offer special property insurance to residents in Texas. We work with several providers to provide the best possible options for your home, and our advisers will walk you through our quotes so that you do not have to work them out by yourself. 

Why Go for Special Property Insurance

While regular property insurance can be useful in certain cases of emergencies, special property insurance provides much wider coverage than other kinds of property insurance. Additionally, you can customize your special property insurance to your needs.

Area Related Coverage

The area you live in is a decisive factor for your insurance policy, as this influences what extra coverage you might want. Of course, crime and burglary rates can prove relevant, but whether natural disasters are common occurrences in your state is just as important. 

While you hope that you will never go through any home-related emergencies in your life, knowing what you need insurance for can save you in the worst of times. The state of Texas experiences hundreds of wildfires a year, and therefore, you might want to add on specialized wildfire coverage to your special property insurance. 

If you want to receive a special property insurance quote for your property, call Integra Insurance Services in Huntington, TX today on 800-655-2159, or contact us via our contact form. We will provide you with several quotes, and discuss what inclusions and exclusions have relevance to your property and neighborhood. 

Is Commercial Insurance Mandatory in Texas?

Buying proper commercial insurance in Huntington, TX is vital for small business owners. Before purchasing commercial insurance in Huntington, TX it’s imperative to undertake thorough research to ascertain that it meets your needs and budget. Commercial insurance is instrumental for Huntington, TX business owners who want to safeguard their livelihood from financial mishaps that usually arise from accidents like a client’s slip and fall or a worker sustaining an injury. When you live in Huntington, TX you need to initiate an income-generating project like establishing a business. This investment usually comes with inherent risks that warrant prolific protection. Are you contemplating starting a business in Huntington, TX? Please get in touch with our agents at Integra Insurance Services to get the right commercial insurance that suits your needs and budget. 

Is commercial insurance mandatory in Texas?

Workers’ comp insurance is not legally required in Texas. Texas is the only state that doesn’t demand businesses to carry worker’s comp insurance. However, commercial auto insurance is mandatory for business owners who own a fleet of vehicles. As a business owner in Huntington TX, it’s paramount to consider other optional commercial insurance coverages to safeguard your business from imminent perils. They include:

General liability insurance: Accidents are bound to happen, and this limits any control over the impending cost of injuries inflicted on your client because of your products and services. It’s pivotal to invest in commercial insurance as it covers you against bodily injury liability and property damage. It caters to medical expenses and impending lawsuits. 

Property insurance: It safeguards your building and contents, together with any resulting impact on your business income after a covered calamity like fire, lightning, or any other form of misfortune.

Cyber liability insurance: It cushions your business from costs of data breach and recovery by helping you to pay for security breach expenses, extortion threats, and public relations expenses.

Workers’ Comp Insurance: Though Texas state does not legally require this form of policy, it’s a vital tool to consider. Many states design their coverage to help cater to employee’s work-related injuries and sicknesses. Workers covered by this form of coverage get medical care to treat their illnesses and injuries. It might cater to funeral benefits and lost income.

Business interruption insurance: Did you know some disruptions arising from imminent perils in Huntington, TX, could relegate your business to a standstill or complete shutdown? Sometimes a sprouting calamity may disrupt your business or even a hacking incidentThis policy is tailored to shield your business venture during covered events to replace funds you would have accrued or provide funds to operate in an alternate location temporarily.

Are you a business owner in Huntington, TX looking for magnificent commercial insurance to safeguard you, your business, and your employees? Please call or visit us at Integra Insurance Services for queries and more information about commercial insurance coverage. 

How to Get the Best out of Your Home Insurance Policy

Whether it’s shopping, healthcare, education, or insurance, when you pay money, you expect value for it. And now that you pay your home insurance every year, how can you get the best out of your home insurance plan? Harnessing the power of your homeowner’s insurance policy ensures that it’s worth every penny. Besides, it helps you steer clear of surprises when filing a claim.

Ready to get the best out of your home insurance in Huntington, TX? Here is what Integra Insurance Services has to say.

Understand your insurance needs

Before buying or renewing your insurance, understand your risk profile. This way, you will avoid purchasing excess coverages that you don’t need. Plus, it becomes easier when explaining to your insurer the coverages you need in your home insurance policy.

Understand your policy

Your policy document is the bible of your insurance plan. As such, you need to understand every clause. Get to know what’s covered and what risks are excluded from your policy. This gives you clarity in case you need to add endorsements to boost your home insurance plan.

Update your policy regularly

If you buy and keep renewing your home insurance policy without updating it, the chances are that your current insurance needs aren’t taken care of. We advise our clients to review their insurance policy every year, but if the following happens before a year lapses, inform your insurance agent:

• You add a pet that can cause injury, for example, certain breeds of dogs.

• You start a home-based business.

• You undertake significant renovations.

• You include amenities like a swimming pool that can cause injury.

Choose a reliable insurance agent

Picking a partner that you can trust is essential. A knowledgeable and trustworthy agent assesses your insurance needs and advises you on coverages to purchase. They also help you take advantage of the best deals in the market.

Looking for a dependable insurance agent in Huntington, TX? Look no further than Integra Insurance Services for all your home insurance needs.

Required Auto Insurance in Texas

In Texas, the state has its own laws regarding what kind of auto insurance drivers have to have and how much of it. If you own a vehicle in the state, you have to have at least the minimum amounts mandated by the state, though you can add more coverage to your policies than is required. To find out more, call us at Integra Insurance Services in Huntington, TX.

Liability Insurance in Texas

There are three separate amounts of liability insurance that are required in Texas. These include bodily injury liability. There is one amount required for the injuries to one person and another amount for everyone who had injuries from the accident. There is a third minimum amount required for property damage liability. All of these amounts are for liability, so they all pay out to third parties rather than paying for your own bodily injury and damage to your own vehicle. Even if you have the required amount of liability insurance, that may not be enough to pay for a serious accident. It’s generally recommended that you increase these amounts so that you are better covered. 

Additional Auto Insurance Types

While liability is important, it isn’t the only important type of coverage. There is also collision insurance, which pays for the damages that are done to your own vehicle. This is very important for getting auto repairs or for buying a new vehicle to replace a totaled one. With the high cost of vehicles and their repairs, this is smart insurance to have. It’s also a good idea to get insurance that will cover your accident if it was caused by an uninsured or underinsured driver. 

Get Your Auto Coverage

If you own a vehicle, don’t let even one day go by without insuring it. If you need insurance, give us a call now at Integra Insurance Services in Huntington, TX.

What to Consider when Buying Toy Insurance in TX?

There are many things to consider when buying toy or recreational insurance, and if you live in the Huntington TX area, then Integra Insurance Services can assist you.

Huntington is a gateway to Lake Sam Rayburn, which boasts phenomenal fishing and is located near two magnificent National Forests. With this kind of natural beauty, it is only normal that you would consider purchasing additional insurance for your adult toys that may include such things as boats, off-road vehicles, and RVs.

One of the first considerations is the repair or replacement cost of your toy. Adult toys are usually pricey, so you want to know that you have ample coverage if your toy is lost, stolen, or damaged for any reason. Although you are likely in possession of home and auto insurance, it may not be enough to cover your toys adequately, especially if your toy is not kept on your personal property 100% of the time.

Additionally, toys like boats and off-road vehicles often lead to a more relaxed attitude, so no matter how careful you are, the possibility of liability is there. It is always important to be aware of the possibility of liability, particularly if you are sharing toys with friends. Certain toy insurance policies will be able to provide you with liability cover, so it is a good idea to evaluate all your toy insurance options to meet your needs.

A final consideration is the state laws surrounding the insurance of these types of vehicles. Your insurance agent will be able to assist you in navigating this. Do not hesitate! If you want to enjoy your summer worry-free, then contact Integra Insurance Services serving the Huntington, TX area today!

Common Types of Boat Insurance

From undertaking fishing on one of its several lakes to exploring its rivers, boating episodes are massive in Texas. It’s vital to ensure that your boating activities in Huntington, TX are protected with prolific boat insurance from Integra Insurance Services, regardless if you are a seasoned boater or recently bought a boat and are still learning to navigate Huntington, TX waters. You will have stress-free, breathtaking episodes in water without being worried about the safety of yourself, passengers, or your precious investment through contacting our extensive industry expertise at Integra Insurance Services. We will educate you more about boat insurance and begin comparing customized quotes for various coverages.

Is boat insurance mandatory in Texas?

Unlike car insurance, watercraft insurance isn’t legally required in Texas. Nevertheless, if you need to register your watercraft with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to maintain boat insurance until you clear your outstanding arrears. Optional boat insurance coverage includes:

Collision coverage: It caters to repairing or replacing your watercraft if it is physically damaged by colliding with another boater or other stationary objects.

Uninsured or Underinsured boater coverage: Boat liability in Texas is not legally required, and many boaters go in waters without any coverage. This policy is designed to pay for injuries you suffer while boarding your boat after engaging in a crash with another boater who is insufficiently covered or has no liability insurance.

Medical Payments Coverage: It reimburses costs that cater to reasonable medical bills such as x-rays and other hospital prevailing bills if someone gets injured while boarding your boat.

Comprehensive coverage: It pays for repairing or replacing your vessel after physical damage emanating from non-collision incidents in water such as hail, falling objects, and fire. 

Boating is truly a breathtaking and rewarding episode in Huntington, TX regardless of salt or freshwater. Contact us today at Integra Insurance Services and ensure that you acquire formidable boat insurance coverage that protects you and your family.