Is Home Insurance Necessary in Dallas, TX?

Dallas, TX is one of the most booming cities in the country – people are moving here in droves to escape more expensive and overcrowded areas for a more comfortable life. If you own a home in Texas, this is one of the greatest accomplishments in a person’s life. D&B Insurance Solutions encourages all homeowners to take a look at their insurance policies to make sure they’re up to date and have the appropriate amount of coverage for their needs.

Home Insurance in Dallas

Home insurance is often required by the lender who funds your loan, so for most homeowners, insurance isn’t optional. More than that, it’s a necessary protection for the biggest investment in your life. 

Whether you live alone, with your spouse or partner, or with your family, having insurance is one of the best ways you can ensure the safety and protection of everyone in your home. 

This also includes the personal belongings that you keep in your home. Should your home or belongings ever be damaged in a severe weather scenario, home insurance has you covered. 

Most policies cover storm damage (besides earthquake and flooding), theft, natural disasters, vandalism, and more. 

Having a full coverage home insurance plan will give you the peace of mind that should something happen to your home, you won’t be taking a huge financial hit to repair or rebuild your house. You won’t have to replace every piece of furniture, clothing, electronics, and other items that are damaged or stolen. If you do have to pay out of pocket, the amount will be substantially less. 

Homeowners in Dallas, TX looking for an insurance coverage review or a new plan should contact D&B Insurance Solutions. We specialize in home insurance and we’re here to help.

How Much Auto Insurance Do I Need?

You know that auto insurance is compulsory in Texas, but do you know how much auto insurance you need to protect yourself optimally? If you are in the dark about the amount of car insurance you need, D&B Insurance Solutions of Dallas, TX, is here to guide you.

Meet the state-required auto insurance coverages

The minimum auto insurance you need shouldn’t be below what is required by your state. For instance, in Texas, car owners must have at least $30,000 of bodily liability insurance and twice the amount for accidents involving multiple persons. Besides, Texas requires you to purchase $25,000 of property damage liability coverage and $2,500 of personal injury protection (PIP), but you can reject this in writing.

While purchasing state-required insurance is essential, these coverages aren’t adequate to protect you when faced with a severe accident. For this reason, you need to increase your liability limits and opt for additional auto insurance coverages.

How much liability coverage should I have?

Like mentioned, state-required coverages are likely to fall short when faced with significant claims. As such, we advise our clients to raise their liability coverage to 100/300/100, which translates to bodily liability injury of $100,000 per person, $300,000 for multiple persons, and $100,000 for property damage liability.

These coverages may protect you adequately when you are at fault for an accident. However, if you need additional liability coverage, we recommend you invest in umbrella insurance.

How much collision and comprehensive coverage do I need?

How much deductible are you willing to part with? How many repairs can you afford to finance from your pocket? The answers to these questions will help you determine the amount of physical damage coverage you require.

Ultimately, purchase the amount you are comfortable with.

Get more information on auto insurance

Still not sure how much auto insurance you need? Would you please get in touch with D&B Insurance Solutions based in Dallas, TX? We will advise you on auto insurance coverages you need and the amount adequate for your driving style.