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.

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.