How Natural Disasters May Impact Your Home Insurance Policy

D&B Insurance Solution provides insurance coverage to the Dallas, TX community. We help our clients find the coverage they need to protect what matters most. We are confident that we can assist you and ensure that you find policies that suit your lifestyle.

How Natural Disasters May Impact Your Home Insurance Policy

Your Dallas, TX home is one of your most prized possessions. Home insurance helps protect your investment. You will be covered if your property suffers interior or exterior damage. Your personal items are covered if they are stolen or vandalized. Liability coverage protects you if someone is injured due to an accident on your property. Texas is prone to severe weather at times, especially during humid summers. That increases the chances of a natural disaster occurring. Here is a look at how natural disasters may impact your home insurance policy.

Flooding

The South is prone to flooding during cases of severe weather. You will have to amend your policy to cover any flood damages to your personal items or the interior of your home.

Thunderstorms

Severe thunderstorms can cause multiple problems. Lightning and hail have the potential to damage your roof. Thunderstorms also have the potential to cause fires. Home insurance will cover your property against the threat of potential damage. In the aftermath of a thunderstorm, high winds can move into the area. They have the potential to destroy your roof or fence and cause objects to float and damage the exterior of your home.

Hurricanes

You can add extra coverage to your policy to cover you as you deal with the serious and potentially deadly consequences of hurricanes.

D&B Insurance Solution Will Help You Protect Your Asset

Visit our website today to learn more information about home insurance.  

Do I need to have auto insurance in Texas?

Those that are in the Dallas, TX area and are looking to make their lives as easy as possible should consider investing in a car, which will make it more efficient to get around the whole metro area. As you are looking for a new vehicle here, you need to get insurance too. The average car owner here will need coverage for a few different important reasons. 

Coverage for Vehicle is Required by Auto Lenders

A common way that people pay for their vehicle is by taking out a loan. As long as your loan is outstanding and the bank has a vested interest, they will require that you carry a full auto insurance policy that has both collision and comprehensive coverage. If you do not have this type of auto insurance, you could be found in violation of your loan agreement.

State Driving Requirements

In Texas, you also need to have auto insurance to ensure that you are in compliance with local laws. This state will require that all drivers continue to maintain proper liability auto insurance whenever they are on the road. This coverage will provide assurances that you can pay for damages if you are at fault in an accident. 

In the Dallas, TX area, there will always be a reason to own a car. Vehicle owners here will continue to benefit from having proper insurance coverage. Anyone that is going to look for a new insurance policy here should speak with State Insurance Solutions. If you do call the team at State Insurance Solutions you will get to learn far more about how the insurance can protect you and your vehicle. This will also help you pick a policy that will keep you in full insurance compliance. 

3 Benefits of Life Insurance in Dallas TX

Preparing for death is not something many of us want to think about. However, the inevitable happens and we want to make sure our loved ones are well taken care of after we pass. That’s why it is so important to have a life insurance policy. This investment in the future of your loved ones has so many benefits. At State Insurance Solutions we understand the importance of taking care of your family. Read on to learn more about life insurance in Dallas, TX.

1. Pay off Debt

Chances are you’ll have debt when you die; credit cards, mortgage, auto loan, or other debt needs to be paid off or transferred, as in the case of a mortgage, as part of settling your estate. You may leave your mortgaged home to your children, however, they need to be able to pay the mortgage. If not, you can opt to have the mortgage paid off before bequeathing the property. 

2. Leave Money to Loved Ones

After you’re gone, you’ll want to be sure your family is provided for financially. The best way to do this is to leave money to them. Life insurance is a big part of this. Even if you have savings, this could go to paying off debt and you never know when you may incur more debt. You could fight a long, expensive illness, for example. However, with life insurance, you can be sure your family will have money left for them. If you’re single, these funds will help pay for your burial expenses.

3. Peace of Mind

Knowing you have everything covered when you pass brings peace of mind in daily life. And that is what living is all about; family, happiness, and peace of mind.

To learn more about purchasing a life insurance policy, contact the team at State Insurance Solutions today.

Do all Dallas businesses need commercial insurance?

The Dallas, TX area is one of the largest metro areas in the country and is also one of the fastest-growing. This helps to make it one of the best places to start a business. If you are interested in starting a business here, you should carefully consider all of your insurance needs. One form of insurance that all businesses need to get is commercial insurance. This could provide you with the protection that you need for your business to thrive. There are several reasons why this should be considered a necessity for all businesses.

Insurance if Often Required

One reason that you should get commercial insurance is that it is often required for businesses to have. A business that has taken out a loan leases a place of business or has raised capital from savvy investors will likely have commercial insurance requirements. These entities usually require insurance as they know the protection that it provides. It is important to understand your commercial insurance requirements when building a policy.

Insurance Provides Valued Protection

Even if having a commercial insurance policy is not required for you to have, you should still get it. A full commercial insurance policy offers some very important coverages including asset and liability protection. Both of these types of coverage could help to keep your business solvent during some challenging situations.

As you are shopping for commercial insurance in the Dallas, TX area, calling State Insurance Solutions is a good option. Commercial insurance is a very complicated form of coverage and State Insurance Solutions can help to explain your options to you. When you call them, you will receive a full business evaluation. This could then make it easier for you to pick a policy that offers the right coverage. 

What benefits comes with home insurance?

In the Dallas, TX area, there will continue to be a lot of great benefits that are provided to local residents. The number of local amenities and a good economy can also make this a great place to purchase a home. If you are going to purchase a home in the Dallas area, you will want to ensure that you are properly protecting your home. One of the ways that you can do this is by getting a home insurance policy. There are several benefits received when you get this protection

Coverage to Protect Dwelling

One of the benefits that you will take advantage of when you get home insurance is coverage for your dwelling. If you have taken out a home insurance policy, you are going to receive a certain level of coverage to repair or even replace your home. This will be helpful if your home is ever damaged due to a fire, vandalism, or a variety of other issues.

Coverage for Liability Protection

You should also consider getting home insurance because it can offer you liability protection. If there is ever an accident that occurs in your home, there is always a chance that you could be found liable for damages. With home insurance, you will have coverage for these risks. 

There are clearly many benefits that do come when you get home insurance. If you do want to get this insurance coverage in the Dallas, TX area, you should speak with someone that you can trust and understands this type of insurance. The team at State Insurance Solutions can offer you the guidance you need to build and choose a policy. Based on the assessment provided by State Insurance Solutions, you will know that you and your home will be appropriately covered at all times. 

Should I get auto insurance in Dallas?

The Dallas, TX area is one of the largest and fastest-growing metro areas in the country. Those that live in this area of Texas will need to have a car to ensure they can enjoy all that hte area has to offer. If you are going to buy a car in Dallas, you should also spend time assessing your insurance needs. There are several reasons that you should get this insurance when you are here.

Insurance Will Protect My Vehicle

One of the reasons that you should get auto insurance when you are in the Dallas area is that it can protect your vehicle. A car is a very important asset for those that are all over this metro area. If it is stolen or damaged, you may be in a challenging position if your cannot afford to repair or replace it. Fortunately, you can get an insurance policy that will give collision and comprehensive protection to ensure you can replace it. 

Insurance is Required

You will also want auto insurance coverage because it could be a requirement for you. Drivers in Texas are required to carry liability insurance and could be penalized if they do not maintain coverage. Additionally, if you have taken out a loan to buy a car, you will need to comply with the insurance obligations set forth by your auto loan provider. Most of the time, this will include requiring you to get comprehensive and collision coverage.

If you are looking for an auto insurance policy in the Dallas, TX area, it would be a good idea to call State Insurance Solutions. The team at State Insurance Solutions can offer you plenty of insurance solutions that will ensure your vehicle is properly covered. This will provide you with valuable protection and peace of mind. 

What type of life insurance is right for me?

Anyone that is in the Dallas, TX area needs to spend carefully assessing their personal insurance needs. One of the most important forms of insurance that someone could have would be life insurance, which helps to ensure that your loved ones are cared for if you were to pass away unexpectedly. If you are looking for life insurance, there are a variety of options available. It is important to consider the features of the most popular options when you are looking for your next policy.

Term Life Insurance

A term life insurance policy is a type of policy that is designed to provide you with coverage for a specific period of time. When you get term life, you will get to curtail the policy to meet your needs. This could include choosing the term length, the amount of coverage, and other factors to ensure you receive proper coverage. In a lot of situations, this will give you more coverage for a lower premium. 

Whole Life Insurance

Another popular form of life insurance coverage is whole life insurance. This type of insurance coverage will provide you with coverage for as long as you want it, as long as premium payments are made. While premiums tend to cost more, they do accrue in value and could eventually be liquidated or used as a form of collateral against certain types of loans. 

Choosing a life insurance policy in the Dallas, TX area is very important. When you are looking for insurance, you should reach out to the team at State Insurance Solutions. If you do call State Insurance Solutions, you can learn a lot more about the benefits of each option. Based on this assessment, you may be able to pick a policy that meets your needs. 

3 Ways to Protect Your Business From Storm Damage

Storm damage can devastate your business even if you have sufficient coverage. The agents of State Insurance Solutions are available to assist business owners in Dallas, TX and the surrounding areas find ways they can protect their business from damage caused by storms. 

Properly Maintain Your Roof

Properly maintaining your roof will prevent storms from making small problems worse. Having your roof inspected once a year, will allow you to make any necessary repairs before the strong winds and rain associated with hurricanes and other severe storms can cause extensive damage. Even simple repairs will ensure that small problems stay small.

Keep Your Property Free of Debris

Walk your property often and pick up any limbs or other types of debris and trash. Loose debris and trash can easily become airborne, damaging your siding, windows, and roof. Keeping debris to a minimum will not only keep your property looking its best but also ensure that there is little that can be tossed around during a heavy storm.

Protect Your Windows

Installing awnings that can be lowered to protect your windows can prevent damage caused by airborne debris. You may also be able to reinforce your windows from the inside. Simple measures like these can prevent broken glass and moisture from making their way inside your business.

The agents from State Insurance Solutions understand how important it is to protect your business from storm damage. Business owners in Dallas, TX who are looking for sound advice can call and talk to the agents whenever they have concerns. Don’t wait until a storm is on its way! Call and schedule an appointment with your agent today to have all of your commercial insurance questions answered.

What You Need to Know Before Buying Home Insurance

You worked hard to obtain your beautiful home, so you know that it is important to protect your investment by obtaining home insurance. However, there are various things to consider before purchasing home insurance to ensure your home and possessions are adequately covered. Thus, the following includes things you should know about home insurance before buying it:

1. Location 

Location is a huge factor when it comes to home insurance. For instance, if your home is located near an area typically an area that has frequent catastrophes, your home insurance policy will most likely be a lot more costly. If your home is near a permanently staffed and highly-rated fire department, you may have a home insurance policy that is more affordable. 

2. Flood Insurance may be Needed

Home insurance policies typically do not cover damage from flooding. So, if you live in an area that is susceptible to flooding, it will behoove you to obtain separate flood insurance.  

3. Earthquake Insurance may also be Required 

For areas that are more prone to have earthquakes, it is crucial to obtain separate earthquake insurance to cover damage caused by earthquakes. According to the Insurance Information Institute, up to 39 states experienced tremors, not just California. 

4. Extra Protection may be Required for Homes with a Hot Tub/Pool

You can pay court costs and other expenses through liability coverage of home insurance, or you can ensure extra protection through an umbrella liability policy. 

5. The Possible Payoff of a High Deductible

You can save money annually with a higher deductible, and you should only use the insurance when it is really necessary, i.e. catastrophic situations. 

If you live in Dallas, TX, or surrounding areas and you need more information about home insurance, contact State Insurance Solutions today. For several years, State Insurance Solutions has been serving the Dallas, TX, and surrounding areas for several years. They are licensed and experienced. Contact them today!

Do I need auto insurance in Dallas?

The Dallas, TX area is one of the largest metro areas in the entire country. This is a vast area that makes owning a car here practically a necessity. When you are going to purchase a car here, you need to ensure that you get the right insurance in place. There are several reasons why you need to get a full auto insurance policy for your vehicle in Dallas. 

Required to Comply with Law

One important reason that you need to get auto insurance for your vehicle is that it is required by law. Those that own a car need to comply with the state rules regarding liability insurance. To drive a car legally in any area of Texas, you need to have the minimum level of liability insurance that will ensure you can pay for damages that you may cause in an accident. Those without coverage could face a variety of penalties.

Required to Protect Vehicle

Beyond needing to have insurance to drive legally, you also need to have coverage to ensure that you are able to properly protect your vehicle. The best way that you can protect your vehicle and your investment is by getting a full collision and comprehensive insurance policy. This form of insurance will give you the protection that you need to repair or replace the vehicle if there is damage or you are a victim of theft.

Those that are looking for a new insurance policy in the Dallas, TX area should contact State Insurance Solutions as soon as they can. When you call the team at State Insurance Solutions, you can learn a lot more about how a quality policy can protect you. The team will then help to ensure you get into the right policy for your situation.