Month: January 2020

Can Teen Drivers Have Their Own Auto Insurance in Texas?

Posted on by AgentInsure

Every person driving a vehicle on Texas roads has to be properly insured. And yes, this includes your teenage driver. If they are caught driving without insurance, they will face serious fines. So, it isn’t a question of whether or not your teen needs auto insurance — it’s how, and when, they will get it. At State Insurance Solutions, we insure teens all across the Dallas, TX area. And because we value their safety on the road, we’re here to make the process as simple as possible! 

Adding Your Teen to Your Insurance is Usually the Best Option

As their parent and/or legal guardian, the simplest (and most convenient) option is to have them added to your existing policy. This choice usually saves the most time and money, and the process is fairly simple. If your teen will be driving your car, just ask to add them to your policy and submit the required documents. This is also a great time to evaluate your existing policy and see if you want to make other adjustments. 

What if My Teen Has Their Own Car?

If your teen has their own vehicle, you will not be able to add them to your existing auto policy unless you also add the vehicle. This means that you will also need to be the car’s legal owner and have it registered under your name. Another option here is to take out a separate insurance policy on the car under your name and then add your teen. 

In the state of Texas, teens (under the age of 18) are technically allowed to have their own auto insurance policies. However, it’s worth noting that their premiums as an individual teen driver will be very different. This is why so many parents opt to just add their teen onto their own insurance. 

Getting Started

Whether you have more questions about your teen driver’s insurance options or simply want to get them added to your existing policy, the experts at State Insurance Solutions are here to help. Come stop by our Dallas, TX office or give us a call today!

Why a Dallas Property Owner Needs Home Insurance

Posted on by AgentInsure

Buying a home in the Dallas, Texas area can be a great long term investment due to the strong local economy and high growth demands. If you are going to purchase a home in the Dallas area, you also need to make sure that you are properly covered by home insurance. There are several reasons why people in this area need to have home insurance at all times.  

Ensures that They Have Proper Coverage

The most important reason why someone in the Dallas, TX area needs to have home insurance is that it will ensure that they have proper coverage. A full home insurance policy will provide a range of coverage types, which can protect the home and all personal assets from theft, fire, bad weather, and vandalism. Additionally, home insurance customers will also have a liability insurance policy that will cover any accidents that occur.

Complies with Lender and Association Requirements

The majority of people that purchase a home are also going to be required to have home insurance at all times. If you took out a mortgage to purchase the home, the lender will likely escrow each month for your home insurance payments. This ensures that their collateral is protected if the home is ever damaged. Additionally, many home associations require that the owners carry a full home insurance policy that all times due to the benefits it provides.

If you are shopping for home insurance in the Dallas, TX area, you should call the team at State Insurance Solutions. Choosing a quality home insurance policy could be a great option, but is also a complicated process. When you call the team at State Insurance Solutions, you can receive additional support that will be needed to pick the right policy for your situation.