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.

Can You Be Denied Homeowners’ Insurance Because of a Dog

Does it make noise? Does it shed? Does it smell?  These are some of the things that will be troubling your mind when you decide to adopt a dog as a pet. However, you may not be thinking about the potential problems that your dog pet may cause to your homeowners’ insurance policy in Huntington, TX.

Keep in mind that your dog is part of your family and the insurance company such as Integra Insurance Services must view it objectively no matter how cute it looks. Even the best-trained dogs can be unpredictable and can cause harm to people at any time. Therefore it’s crucial to understand the fact that you can be denied a homeowners’ insurance because of dog but the decision will depend on the type of dog in your home.

Why Do Insurance Providers Refuse Coverage for Dog Owners?

Statistics indicate that dog bites usually account for more than one-third of all homeowners’ insurance liability claims in the United States. Typically, dog bites are expensive, and insurance providers try to avoid scenarios where they are forced to pay numerous liability claims filed as a result of dog bites.  Although owning a doesn’t lead to automatic denial of homeowners’ insurance policy, it could lead to higher premiums since you are considered as a high-risk client.

Does the Breed Matter?

Yes, the breed of your dog is a crucial factor when it comes to restricting home insurance because of dogs.  A high number of home insurance providers in Huntington, TX won’t cover muscular canines that can cause severe harm to people from a single bite. Some of the common dog breeds that have been blacklisted by several insurance providers include:

  • Akitas
  • Chows-chows
  • Pit bull-type breeds
  • Rottweilers
  • German shepherds
  • Mastiffs
  • Dobermans

However, it is good to mention that a liability claim can come from any breed regardless of what you think about your dog. Contact Integra Insurance Services today for your homeowners’ insurance policy.

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.

3 Tips to Buying Boat Insurance

There’s nothing like owning your own boat for fun and relaxation. At the same time, boat ownership comes with its share of responsibilities. Getting the right insurance coverage is one of those responsibilities. The following tips from Integra Insurance Services in Huntington, TX can help in choosing the insurance coverage you need.

Work with a Trustworthy Insurer

Although you can obtain boat insurance as an “add-on” to your home insurance policy, it could limit the coverage you receive. Purchasing a policy from an experienced boat insurance agent gives you greater flexibility to choose the coverage you need. You’ll also get better service from an insurer that’s knowledgeable about boats when you need to make a claim.

Know Your Policy

Boat insurance gives you a choice of two kinds of policies to protect your investment: agreed value and actual cash value.

An agreed value policy is more expensive initially but has greater returns when making a claim as it covers the value as stated in the policy. If your policy has an agreed value of $75,000, that’s the amount you’ll receive if your boat suffers a total loss. This policy also enables you to replace damaged equipment with new equipment without deducting the cost of depreciation.

Actual cash value policies cost less but you only get the actual cash value of the boat or damaged equipment at the time of loss minus depreciation. If you own an expensive boat, you could lose out with this policy due to receiving a fraction of what your boat is really worth in the event of total loss.

Tailor Coverage to Suit Your Needs

Boat insurance isn’t one size fits all. You need to tailor your coverage to suit your needs. Working with insurance specialists from Integra Insurance Services gives you greater flexibility to get the protection you seek. Contact our Huntington, TX office for all your boat insurance needs.

Do we need a business automobile insurance policy if we rent instead of owning company cars?

Most people don’t realize that there are, in fact, many differences between commercial automobile insurance and personal automobile insurance. They often find out when it is too late that they were depending on a personal insurance policy to protect them when the circumstances fell outside the range of what would be covered, leaving them to pay the full bill. The agents at Integra Insurance Services work to help their commercial insurance customers in Huntington, TX protect their businesses by making sure they understand the kind of protection they need for their situations.

The first most important thing to understand is that a personal insurance policy or a business owners policy (BOP) will not provide coverage for automobiles used primarily in a business. Those kinds of coverage must specifically be provided by auto insurance policies.

The Business Auto Coverage Form (BACF) is the most commonly used contract that businesses use to provide coverage for their automobiles. This means cars, trucks, vans and any other kind of conveyance the business needs to use. The policy will need to list all of the vehicles which are intended to be covered under the policy, or the people who will need to be covered if they are driving while conducting business.

When you are choosing the coverage that best suits your needs, you will have to decide what should be covered. Do you want to cover only the automobiles the company owns, hires or leases? Or do you also want to cover other automobiles that your business uses also, such as when an employee runs an errand with a personal car? The second option provides wider protection for your business. The more coverage, the better protection.

If you have a business in Huntington, TX, call Integra Insurance Services to find the best commercial auto insurance for your company.

Do Nail Salons Need Commercial Insurance?

A lot of people wonder whether or not they need commercial insurance. The truth is, though, if you are operating any type of business, then commercial insurance is going to be of value. Even if you are operating the business out of your home, then this type of insurance can prove to be of benefit.

What about nail salons?

Nail salons have become highly profitable businesses over the past couple decades. Women and men alike flock to nail salons to make sure their hands and feet are always looking their best. There are even a lot of nail salon owners that provide their services out of the comfort of their own homes. And while operating a nail salon from inside the home is highly encouraged, it is also important not to overlook investing in commercial insurance.

What does commercial insurance cover?

Commercial insurance will cover claims that relate to the business being operated out of the home. A normal homeowners policy will typically not pay out if it is found out that a claim was submitted and relates to business activities. Homeowners policies are meant to cover claims that relate to daily living activities, not work-related tasks. With commercial insurance, though, it is possible to rest easy at night knowing your in-home nail salon business is properly covered with the right type of insurance policy.

If you would like to learn more about commercial insurance for nail salons, please contact us today. We can customize a policy to fit your exact needs. Feel free to ask us any questions about your commercial policy and we can even help you with a homeowners policy as well.

Home Insurance and Your HOA: Who Covers What?

Have you just purchased a new home in Huntington, TX and are wondering what kind of adjustments you need to make to your home insurance with Integra Insurance Services? If you are paying a homeowners association fee every month, you will need to know where the HOA ends and your property begins.

 Read Your Deed

Review your deed with your agent.  If the plot plan only includes the interior of your property, then your liability ends with your front door as long as you take care of your condo. But in neighborhoods with single-family structures and shared outdoor space, the lines of property and responsibility can get blurred. If you are unsure who owns what, make sure to speak with your HOA to clarify the situation as soon as possible.

Sidewalks, Lawns, Porches and Streets

Your property may only include your house and driveway. Even porches and decks that are part of townhouses may belong to the HOA. If the sidewalks are on your plot plan, you will have to maintain them. Who mows the lawn, prunes the trees, and waters the flowers by the gate?  If you see your neighbors taking care of shared areas, ask them if the HOA has approved their assistance. If not, there can be legal repercussions if a repair goes wrong.

If You Maintain It, the Liability is Yours

Any part of your home where the HOA does not provide routine maintenance, you will want to include on your home insurance policy.  You may wish to put up a fence or hedge to define the areas for which you are responsible. If your guest is injured on a shared area, such as the pool or playground, they will be filing a claim against the HOA liability insurance.

Give your agent at Integra Insurance Services for more information on home or commercial insurance options for the Huntington, TX area.