When to Buy Special Property Coverage for Your Home

Special insurance coverage for Huntington, TX provides many benefits that can’t be earned in any other way. We at Integra Insurance Services can provide you with many options for this coverage and help you better understand when it is a good choice for your policy.

What is Special Insurance Coverage?

Special insurance coverage comes in a few different varieties, including commercial and residential coverage. Commercial coverage provides protection for public entities and non-profit companies. This type of coverage helps protect their property and business from damage and liability lawsuits.

Special insurance coverage for a home typically focuses on higher-end items in a home, such as jewelry, watches, furs, expensive gems, dinnerware, trophies, and guns. This type of coverage helps to keep homeowners from suffering total loss if somebody breaks into their home.

When is Special Insurance Wise?

Special insurance coverage is a good choice for anybody who runs a business from their home or who owns a large number of expensive items that they want to protect. For example, people who own gold coins or who have a lot of jewelry should probably consider special insurance coverage.

These types of policies can be tweaked and adjusted to meet the needs of just about any homeowner. For example, an individual can limit certain types of coverage that they don’t need and focus on just the ones that they do. So make sure to talk to your provider to learn more.

Who Provides Coverage of This Type?

If you live in Huntington, TX and want special insurance coverage, we at Integra Insurance Services can help you out. Our experts will work hard to find a great insurance policy that suits your needs and which gives you and your home the protection that it deserves.

Which kind of business needs commercial auto insurance?

If you use your vehicle for business purposes, then you may need to purchase commercial auto insurance. You can’t always prevent accidents from happening, but you can prevent yourself from having a large financial setback when accidents do occur. 

Risk can take many forms when you have a business, but when vehicles are involved, you have another set of risks involved. Even if your driver follows all of the driving laws and drives cautiously, mistakes can happen. They could have just one moment of distraction, or another driver could be driving recklessly. The risk is everywhere, and insurance is there to make sure that everyday life doesn’t slow you down or set you back.

You may not be able to completely eliminate your risk, but with the appropriate insurance, you can manage it. Commercial auto insurance is similar to the auto insurance private individuals purchase but at much higher limits.

By purchasing commercial auto insurance, you protect both your business and your business’ interests. Within those interests, you will be protecting your employees (both primary employees and those you may be doing business with) and your equipment (vehicles and goods). If you use a vehicle to transport goods or people from state to state, then you may be required by the federal government to have commercial auto insurance. Things to consider are the type of goods (hazardous materials) and the number of people (16 or more people require a higher premium of insurance than those carrying 15 or fewer) that you are transporting.

For more information and details about commercial auto insurance and how it could benefit your business in Huntington, TX, you can contact Integra Insurance Services. They can help you find the insurance that is right for you and your business.

Most Forgotten Home Insurance Basics

Home insurance can be difficult to understand, often however, taking the time to learn a few basics can help make figuring out the specifics a bit easier. For those living in the Huntington, TX area, the agents with Integra Insurance Services can help you learn all you need to know about home insurance.  

One of the first things that people tend to forget when working out the basics of their home policy is that your home policy also covers the cost of the contents of your home and should be adjusted accordingly. If you make a large purchase or have a valuable collection in your home, you should make sure they are protected so that you can replace them if something happens. You should also adjust this coverage as needed and keep an inventory of any expensive or hard to replace items so that they can be accounted for should you need to make a claim.

Another oft-forgotten aspect of home insurance is that most policies are not going to be one size fits all so buying a policy online is not going to be sufficient. You need to buy a policy that fits your particular home, and your particular circumstance. Though a basic policy is a great place to start, it is not going to cover the nuances of your particular home and it might not cover your entire home.

The last commonly forgotten aspect of home insurance is that you do need different coverage based on where you live. In an area where the flood is not common, you may not need flood insurance. In areas where winter storms are common, you may need more coverage during certain times of the year. If you have a home it is important to make sure you are taking the time to really tailor your home policy to make sure your home is fully protected at all times.

For those in the Huntington, TX area, the agents with Integra Insurance Services can help you find the right policy every time.

What Auto Insurance Do I Need to Have

Owning a vehicle is a major responsibility. Due to the importance of the asset, you need to make sure that you have the right type of insurance coverage in place to provide you with the protection that you need. For those that are in the Huntington, TX area, there are several factors to consider when getting a new auto insurance policy.

Minimum Requirements

At the bare minimum, you need to make sure that you have coverage that keeps you in compliance with the state laws. In the state of Texas, you will need to carry liability protection whenever you are out on the road. The state will require that you have property damage liability coverage of at least $25,000 per incident as well as bodily injury liability coverage of at least $30,000 per injured person with a $60,000 incident cap.

Collision and Comprehensive

While you are only required by law to carry liability coverage, you also need to consider getting collision and comprehensive coverage. Since liability coverage only provides financial protection to others involved in an accident, these additional types of coverage could be a necessity. This coverage will provide you with coverage if your car is stolen, damaged, or if you are at fault in an accident. This type of coverage will likely be required if you took out a loan to buy the car.

Deductible

Finally, you will need to consider your deductible, which is the amount of money you will spend out of pocket before receiving any coverage on a claim. While a lower deductible provides less risk, it comes with higher premiums. If you have a higher deductible, you should make sure you have this money set aside.

If you are in the Huntington, TX area and are looking to learn more about auto insurance, you should contact Integra Inusrance Services to learn more. Integra Insurance Services will help you to better understand your auto insurance needs and can help you to get into a great policy. 

What Toys Can Be Insured

Motorized vehicles are required to have insurance in order to provide sufficient coverage in case you are in an accident. Toys are no exception. Toys are vehicles that are mainly used for recreational purposes. You can get your vehicles insured in Huntington, TX through the Integra Insurance Services.

What are Toys?

Toys are recreational motorized vehicles, which can include but are not limited to RVs, dune buggies, sand rails, all-terrain vehicles, motorcycles, personal watercraft, collectible vehicles, snowmobiles, golf carts, and boats. These vehicles are expensive to purchase and maintain, so any damages to other people or property could result in, not only the loss of the vehicle but could also result in a lawsuit with a large monetary payout.

What Insurance is for Toys?

If you’re moving to Texas, you have 30 days to get insurance. Check with your local independent agents to find out the minimum coverage for your vehicles.

Bodily Injury Liability – covers claims against you if you injure someone. It could help pay for medical expenses.

Property Damage Liability – if you cause damage to another person’s property, you could be responsible for paying for repairs without coverage.

Comprehensive – when your vehicle is damaged from something other than an accident, such as a fire, vandalism, and theft.

Uninsured/Underinsured Motorist – if you have an accident with a vehicle with an owner that is not covered by insurance, you could be covered for repairing or replacing your vehicle.

How to Purchase Toy Insurance

With the independent agents in Huntington, TX at Integra Insurance Services, they’ll be able to search through many policies to provide you with the best option for your recreational vehicle. They will also be able to advise you on the best coverage option for your needs. Stop by today and get your vehicle fully insured.

Am I Required to Have Boat Insurance?

If you are considering purchasing a boat, it’s likely that you have put hours of time and effort into your search. From talking to avid boaters to reading online reviews, it’s important to ensure you purchase a boat that fits your wants and needs. During this process, don’t overlook boat insurance to keep yourself protected. But are you required to have boat insurance? Our team at Integra Insurance Services, serving Huntington, TX, takes a deeper look into the factors that go into answering this common question.

Your State

The first thing you should do is check with your state on boat insurance requirements. While most states, including Texas, do not require boat insurance, some do. If your state does require boat insurance, it may be for boats with specific engines.

Your Bank

If you finance your boat through your bank, boat insurance will likely be a requirement. Oftentimes, your bank will not provide a loan for a boat if you don’t have proof of insurance that covers the entire value of the boat.

Where You Dock Your Boat

Will you be docking your boat at a marina? If so, carefully read the marina contract, as it is likely boat insurance is required to use the facility.

Do You Need Boat Insurance?

While boat insurance is not always required, you should still consider its many benefits. Boat insurance provides peace of mind and protection if something unexpected happened while you were out on the water, and in other situations.

There are several types of boat insurance. Your Integra Insurance Services agent, serving Huntington, TX, can help answer your questions and determine the type of boat insurance that fit your needs. Contact our team today for more information.

What Is Specialty Property, And Why Do I Need To Insure It?

Most people know they need to insure their Huntington, TX home and property with homeowners insurance, cover their vehicles and recreational vehicles with car insurance, and maybe even know the importance of umbrella insurance. But, “specialty insurance” isn’t something most people are aware of. So, what is specialty property insurance, and why do you need it? 

Specialty Insurance 

To put it simply, specialty insurance is what it sounds like: a specific insurance purchased to cover items that are irreplaceable, unique, or special. Specialty insurance covers items or situations that aren’t generally covered with a typical insurance policy. 

What Types of Specialty Insurance Coverage Are Available? 

There are a variety of different types of specialty insurance that go above and beyond your basic coverage. For instance, flood insurance for your car or home. Other specialty insurance policies cover expensive, high-value homes or rentals, watercraft, recreational vehicles, motorcycles, ATVs, and more. Ask your Integra Insurance Services agent about information on the following specialty property insurance needs. 

  • Rare or One-Of-A-Kind Items. Losing a unique item to theft, fire, or flood damage is rough, especially when you find out your insurance did not cover the loss from your home or vehicle. Do you own a classic car? Antiques? High-value art, sculptures, or a valuable coin collection? Specialty insurance can help safeguard you in the case of a loss.  
  • Wedding Insurance.  How do you protect yourself in the event you have to cancel or postpone your wedding? What would happen if a guest is injured during the event due to drinking, or causes damage to the wedding venue? Wedding insurance has you covered.  
  • Travel Insurance. There are a million things that can go wrong on your dream vacation, from lost luggage to lost family jewels to emergency issues. Travel insurance is a specialty insurance that can ensure you get that needed root canal in Paris or get your broken arm fixed in Italy. It can also cover cancellations, weather delays, and even legal costs. Travel includes risks that specialty insurance can cover, such as winter sports injuries, pre-existing medical conditions, and even kidnap and ransom!

Who will require me to have commercial insurance

If you own or manage a business, there are many very important business decisions that you have to make on a daily basis. One decision that is very important is when you decide on what type of commercial insurance to get. When you are looking for your next insurance policy, it is important to consider what your requirements are. You could be required to carry commercial insurance with a variety of different organizations. 

Lender

In many situations, a business may have to take out a business loan in order to fund working capital, inventory or purchase certain equipment. In almost all situations, the lenders will require that you carry commercial insurance on your business to ensure that you are properly protected. Some types of coverage they will want you to have will include liability, workers compensation, and even property coverage.

Customers

Depending on the type of work that you do, your customers may also require that you have commercial insurance in place. Whenever you are doing work for a customer, especially if you are a contractor doing work on a customer’s home, a client will want to make sure that you are properly protected in the event in an accident takes place. In many situations, the customers may require that you provide them with a copy of your insurance before you start any work. This coverage will also ensure that you are protected in the event you are sued due to negligence.

If you are looking for commercial insurance in the Huntington, TX area, you should contact Integra Insurance Services. The Integra Insurance Services organization excels at helping Huntington, TX area businesses better understand their insurance needs. They can then also help you get into a great policy that ensures you stay in compliance with all requirements. 

What Are The Auto Insurance Requirements For New Drivers In Huntington, TX

If you’re a new driver in Huntington, TX, you’re still learning about various state requirements linked to vehicle ownership. Here’s a brief overview of the state’s legal expectations for new drivers.

Minimum Texas Auto Insurance Requirements

Texas drivers have one legal requirement to fulfill: financial responsibility. This is met with a policy that includes liability coverage. In case of an accident, this covers:

  • The medical expenses of the driver
  • The medical expenses of the driver operating the other vehicle.
  • Car repairs or replacement.
  • Car rental for the other vehicle’s driver.
  • Funeral expenses.
  • Lost wages and other compensation.

Each policy varies in the dollar amount it covers.

Minimum Requirements For new Drivers

There are no special requirements for new drivers in the state of Texas aside from financial responsibility. Since most new drivers are teens and young adults, it’s common that insurance providers like Integra Insurance Services allow parents to add new drivers to their policies. students living away from home during the school year can also remain on their parents’ policy.

When young drivers are added to their family’s auto insurance policy:

  • The premium will likely increase.
  • The deductible limit will also be readjusted.
  • The young driver will get a separate premium rate if they own a car in their name.
  • If the new driver does not own a car, the premium rate on the most expensive family car will increase.

It’s generally true that auto insurance for new drivers is much more costly than coverage for seasoned drivers. If parents choose to save money by not naming their young adult drivers on their policy, they are likely to pay a penalty equal to the rate of a new driver’s premium. Still, adding a new driver to an existing policy is usually cheaper than taking out individual coverage.

Contact your friendly Integra Insurance Services agent to buy your first auto insurance policy as a new driver. You can also ask about adding a young driver to an existing policy.

 

When Should You File a Home Insurance Claim?

Deciding on when to file a home insurance claim in Huntington, TX can be tricky business. Sometimes claims on your insurance can cause premiums to go up and filing a claim isn’t always in your best interest.

Don’t file a claim if the repair you want to be covered won’t exceed your deductible. For example, if you have a $1,000 deductible and someone breaks into your house and takes your iPad, it will cost less to replace your iPad then it would for you to pay the deductible. If you go through insurance you will have a theft claim on your report and you didn’t even save any money. Pay for the repairs on your own if the cost of the repairs is relativity minor compared to your deductible. For example, if your repair or claim is going to only cost a few hundred dollars more than your deductible, you are better off not filing a claim and paying out of pocket. If you have filed claims in recent years, be careful about filing new ones. The number of claims you file can negatively impact rates. Think about the costs of the claim in this instance as well. If the claim is related to a maintenance issue you should have fixed earlier, such as replacing a rotting fence or repairing a damaged roof, you should think twice. If the claim is related to an event your insurance company doesn’t cover, then not only will you not get money, but you will also have a claim on your record for no reason.

If you aren’t sure if you should file a claim or if something is covered, ask your agent at Integra Insurance Services and contact a contractor to see what the costs of repairs will be.

Of course, you should file a claim if the event in Huntington, TX is covered by your insurance and the amount of repairs exceeds the deductible. If you haven’t filed a claim in years, you shouldn’t be penalized for using insurance the way it’s supposed to be used.

Contact Integra Insurance Services to receive a quote on homeowners insurance.