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. 

3 Commercial Insurance Coverages To Consider

We are Integra Insurance Services and we have been serving Huntington, TX, for many years. We offer different types of insurance policies. For business owners, we offer several types of commercial insurance coverages and we will give you three of them to consider.

1.         General liability insurance

This coverage protects your business from lawsuits bordering on slander, libel, property damage, or bodily injury. The policy will provide funds for legal defense and also settle the plaintiff if you’re found guilty. Without this coverage, if you lose the case, the settlement could run you out of business completely.

2.         Business income insurance

When your office and equipment are damaged by fire or wind, this coverage compensates you for the amount of revenue you lost due to the incident. Theft of business equipment is also covered by this policy. If your tools are stolen, it may take some time before you are able to replace them. During that period, there’ll be a drop in your productivity. This coverage will refund the amount you lost.

3.         Commercial property insurance

This coverage will pay for the repair or replacement of your damaged or stolen equipment. Don’t mistake it for business income insurance policy, which compensates you for loss of revenue caused by damaged or stolen tools.

Imagine a situation where a sudden tornado hits your office, damaging your equipment and all the vehicles parked in your premises. Due to the damage, your office has to be closed for a couple of weeks. Unfortunately, the wind also hurled some stones which broke the windshield of one of your customers’ cars.

To make things worse, the customer filed a lawsuit against you. Without any commercial insurance policy, it will take a miracle for your business to survive the litany of issues. On the other hand, if you have purchased the three insurance coverages above before the incidence, you’d be unruffled.

General liability insurance will take care of the customer’s car and the lawsuit. The business income insurance will compensate you for how much you lost during the closure of your office, and finally, the commercial property insurance policy will reimburse you for the cost of repairs and replacements.

For other essential commercial insurance coverage, contact us at Integra Insurance Services in Huntington, TX.

How to Pick Auto Insurance in Texas

For people all over the Huntington, TX area, owning a car is a practical necessity. Without one, getting around town and to and from work could be very hard and inconvenient. If you are going to purchase a car in this area of Texas, it is important to carefully consider your auto insurance needs. There are several tips to follow that can help you to pick a good auto insurance policy. 

Consider Legal Requirements

When you are looking for an auto insurance policy in Texas, the first thing that you need to do is consider the legal requirements that come with having a car. Similar to other states, those that are in Texas need to have liability insurance whenever they are out driving their car on a public road. If you do not have this form of insurance, you could face legal ramifications. 

Think About Car Repairs and Replacements

When you are going to get auto insurance, you should also carefully think about how you would repair or replace your car. If you have a car that is worth a lot of money, it is important that you protect this asset and investment. One of the best ways that you can do this is by getting a full auto insurance policy on your car. 

When you are going to get a car in the Huntington, TX area, it is very important that you get good auto insurance. Having this form of insurance can protect you a wide range of different ways. When you are going to get auto insurance, you should reach out to the team at Integra Insurance Services. When you do call Integra Insurance Services, you can receive guidance and support needed to pick a policy that is right for your situation. 

Home features that require additional coverage under a homeowners policy

Most homeowners in the Huntington, TX area know that one must maintain a homeowners’ insurance policy. However, some fail to realize that some features in a home are not automatically covered or are included on a limited basis. An agent at the Integra Insurance Services can walk through the features of your home to determine if you will require additional coverage under your homeowners’ policy. 

Houses with oil heating 

If you have an older home and it uses oil to heat the house, you will need to add additional coverage. Oil is highly flammable, so extra coverage under your policy will provide additional protection. 

Swimming pools

It is imperative to understand the coverage provided under your home insurance policies for swimming pools. Claims related to pool injuries or death can be extremely high. If your policy limits or excludes this coverage, it is imperative that you add the coverage to your policy. 

Fine Art 

While you may consider fine art personal property, there is a good chance your limit on your homeowners’ insurance policy will not be enough in the event of a claim. It is critical to know the value of the fine art you would like to insure and purchase additional limits. If you have an extensive collection of fine art, you may want to consider a separate fine art policy. 

Computer coverage 

Do you have a media room in your home filled with computers and expensive electronic equipment? If so, you will want to make sure you are purchasing additional limits to cover the computers and electronic equipment. 

Home Business coverage 

If you work from home, you should speak to your agent about adding on coverage for your home-based business. A homeowners’ policy will not automatically cover the equipment used for the business of any liability claims if a third party is injured at your home office. 

If you would like to discuss adding additional coverage to your homeowners’ insurance policy, reach out to an agent at Integra Insurance Services today. We proudly serve the Huntington, TX area. 

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.

What are the Main Advantages of Getting Commercial Insurance?

Starting a business and being their own boss is a common career goal shared by a lot of people. When you do start your own business, finding the right place to do so is a good idea. The city of Huntington, TX can be a great option as it has a good economy and population trends. Those that are in this area of the state and own a business still need to consider all of their insurance needs. There are many advantages that come when you get commercial insurance. 

General Liability Insurance 

One of the benefits of getting commercial insurance is that it can provide you with general liability insurance. There is always a risk that you will be sued for liability, no matter how safe and efficient your business is. Due to this risk, you are going to want to have commercial insurance at all times as it will provide you with the general liability coverage that you need to have peace of mind and be properly protected.

Business Asset Protection

One of the most devastating things that could happen to a business owner would be if their core assets or inventory is damaged, stolen, or vandalized. When this occurs, it can be a very serious and dramatic cash outlay to replace it. When you have a good commercial insurance policy in place, it will give you the coverage that you need to ensure you can replace these assets.

Those that are in the Huntington, TX area should call Integra Insurance Services when they need commercial insurance. Choosing the right commercial insurance policy can be a complicated and confusing process. To make this easier, you should contact Integra Insurance Services to better understand the benefits that this insurance can provide. 

Understanding the Basics of Auto Insurance

Auto liability insurance coverage is required in most every state. Legally, you have to have it, but do you understand what it is and how it works? Here at Integra Insurance Services in Huntington, TX want to help you understand just what insurance does for you.

There are many insured motorists that pay their premiums because they have to but many are unsure of what exactly they are paying for. While auto insurance coverage varies, there are some basics that are involved in nearly all policies. However, the amount of coverage also varies according to the policy you choose. 

Basics of Auto Insurance

When shopping for auto insurance, you will likely hear of these six different kinds of coverage:

1. Collision

Typically, collision coverage covers damage to your vehicle that is caused by a collision with another vehicle and things such as potholes whether you are at fault or not. If someone else causes the collision, your insurer will generally reimburse you for the damage caused, then try to recover that amount from the at-fault party’s insurer.

2. Uninsured and Underinsured Motorist

Sadly, not everyone covers insurance. Even worse, not everyone sticks around at the scene of a collision. Uninsured and underinsured motorist coverage is an insurance option you have to protect you during this time.

3. Medical Payments or Personal Injury Protection (PIP)

If people in the policyholder’s car are injured, this coverage should take care of the medical payments. It will also likely take care of lost wages and funeral costs associated with the collision, though you should always double-check with your agent on this.

4. Bodily Injury

Bodily injury is intended to cover injuries sustained by parties outside of the policyholder’s vehicle. There are usually state minimums, but many motorists opt for a higher amount of coverage in case of serious injury.

5. Property Damage

Similar to bodily injury coverage, property damage covers the damage done to other people’s property. In addition to vehicles, it may also cover damage to structures, lampposts, fences, telephone poles, and more.

6. Comprehensive

Comprehensive coverage is typically not a requirement, but it is popular. It is intended to cover events such as fire, vandalism, contact with animals such as deer, storm damage, and more.

If you are in the Huntington, TX area, Integra Insurance Services wants to make sure you get the coverage you need. Stop by or give us a call to get you covered today!

Tips for Making Your Home More Secure

Everyone wants to be sure that they and their family stays safe and secure in their home at all times. And there are definitely ways to better ensure that, so here are some tips, courtesy of Integra Insurance Services serving the Huntington, TX area.

Security cameras

You cannot have your eyes on every inch of your property at all times, but that is where the security camera helps you. It monitors your home and surrounding area and helps you stay on top of any potential problems.

Security lights

Lights that are specifically for security purposes are great at making your home more secure. There are lights available for both indoor and outdoor use. Before installing them, consider the best places and uses for them.

Burglar alarms

The age-old devices known as burglar alarms have never gone out of style and for good reason. They work hard to effectively repel potential intruders and thieves.

Outdoor lights

Make sure you have plenty of outdoor lights, especially in strategic locations such as near doors, along walkways and by the driveway. A well-lit property is a deterrent for would-be intruders.

Motion sensors

Another piece of equipment that can help with security is the motion sensor that for example causes lights to come on when they detect any motion outside around the house.

Windows and doors

Of course, windows and doors provide an excellent barrier between a resident and the outside world, so they are built-in security features. But it is important to keep windows and doors locked at all times, whether you are at home or not.

If you are looking for home insurance locally, consider Integra Insurance Services serving the Huntington, TX area. We can help you figure out ways to make your property secure while providing added peace of mind.