Items Not Covered By Home Insurance

The standard homeowner’s insurance within Dallas, TX covers various perils, from theft to fires and even vandalism. In addition to this, you can expect items such as liabilities to be taken care of along with guests’ bodily harm and property damage. While these protections offer immense benefit to homeowners, some items will still fall outside home insurance. D&B Insurance Solutions covers these exclusions to be on the lookout for.

Flooding

If flooding occurs within your property and destroys items such as electronics or compromises the structure of your home, your home insurance will not cover your damage. Getting compensation for flooding will require you to get flooding insurance. A flood policy will come in handy in helping you cover your damaged content while also helping you rebuild your home.

Expensive Content

Expensive belongings such as jewelry and fine art are also excluded from your coverage due to their costs. High-priced possessions often require homeowners to get additional coverage, allowing you to protect items such as engagement rings and family heirlooms. Where possible, you can also get a rider for such items, helping you get adequate protection to help with your compensation needs when perils cause damage or when your items are stolen.

Maintenance Issues

Problems arising from negligence are also excluded from home insurance, as these will often be issues that can be avoided. If, for instance, your property suffers moisture damage due to water leaks from faulty air conditioning, your policy will not cover such destruction. Mold growth is another example of a maintenance issue that is not covered by a home policy since this can be avoided by using suitable cleaning agents. In addition to this, pest infestation and general wear and tear also fall under this category, with such problems requiring adherence to the proper cleaning routines.

While the above guide covers home insurance exclusions, getting information on the proper coverage will be crucial in helping you keep your property safe. Call D&B Insurance Solutions today to get customized coverage for your Dallas, TX property.

What Happens If I Don’t Get Auto Insurance?

Is your car insurance cover provider unable to give you coverage this year? Well, worry no more! You may have some options available for you. All vehicle owners must get auto insurance in the United States. But it can become challenging to get auto insurance coverage if you’re regarded as a high-risk driver or have a poor driving record.

You may also fail to get auto insurance coverage if you own a high-performance or special kind of custom-designed vehicle that’s slightly different from conventional models. Here are some of the reasons that may get your auto insurance cover application rejected.

  • Having many traffic law violations
  • Getting involved in many at-fault motor vehicle accident
  • Being too old
  • Being young and with minimal driving experience
  • Having a low credit-based insurance score
  • Living outside the insurance coverage provider’s jurisdiction
  • Living in areas where vandalism and theft rates are high

So, What Can You Do When You Can’t Get Auto-Insurance Coverage? 

Suppose you can’t find auto insurance coverage from some insurance firms in Dallas, Texas. In that case, the best option you have is to explore alternatives, which include insurance companies that offer high-risk or non-standard auto insurance policies. Here are some potential short-term solutions.

Apply for an insurance coverage quote from more than one insurance company. Different insurance companies evaluate applications differently, and you may get one that can give you a cover. 

If you’ve failed to get coverage from low-cost insurance companies, then you should try high-risk or non-standard auto insurance companies. Unfortunately, you may have to pay high premium rates. 

You may also share an insurance cover with a family member or friend. 

If you’re seeking long-term solutions to this challenge, then work on improving your driving record and fix your credit score issues. 

Get a High-Risk Auto Insurance Cover in Dallas, TX Today

If you’re a Dallas, TX, resident, then try the D&B Insurance Solutions firm. At D&B Insurance Solutions, you can get a non-standard insurance cover. Visit the D&B Insurance Solutions website to get a quote today.