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.

How much life insurance is enough

Life insurance is not for you, it is for those you leave behind. It is your final gift. That makes it unique among insurance policies since most people who buy a life insurance policy won’t benefit from it during their lifetime. Unless you borrow from a whole life policy or cash it in. At D&B Insurance Solutions in Dallas, TX what matters to you, matters to us. We are a female-owned family business and as an independent agency, we can offer choices to our customers. 

Deciding how much life insurance is enough is not easy and even once you have decided what enough is, you can’t count on the amount staying the same. Many events in your life will change your need for life insurance. No matter where you are in life, don’t count on work provided life insurance as part of what you need. You can’t count on staying at any job for the rest of your work career. 

When you are young and carefree, your life insurance needs are minimal. You need enough money or life insurance to pay off any debt you may have and for your final expenses. That does not require a great deal of life insurance. 

As you get older your need for life insurance will increase as you do things like buy a home, get married, and start a family. Each of these events raises your need for protecting your loved ones. Once you have people who count on your income, you need to add a significant amount of life insurance. For a family, 7-10 years of your income is considered normal. That may be more than you can afford. You need to sit down with one of our agents to discuss all your options. 

In Dallas, TX, D&B Insurance Solutions is the place to go for life insurance. 

How Does Commercial Insurance Protect My Online Business?

The recent advancements in technology have impacted the way we used to conduct business. With more and more people now accessing the internet, investors in Dallas, TX are striving to go online to link with as many clients/customers as possible. 

Although going online adds convenience to your business, it leaves it vulnerable to various online risks — cybercriminals can pose significant threats to your success but not if you have commercial insurance. 

If you haven’t yet bought commercial insurance for your online business from D&B Insurance Solutions, here are some key reasons to do so.

It Protects Your Online Business Against Financial Loss

When running an online store, cyber crooks can hack or interfere with your online venture payment system. If this happens, they will illegally access your clients’ credit card details — something that will likely lead to financial losses. 

With a commercial insurance policy by your side, you will be covered in case of such occurrences.

Boosts the Credibility of Online Business 

Your customers/ clients will have peace of mind transacting with you when they know your online business is fully covered. They will be 100% sure that compensation will come their way should anything go wrong while doing business with you online.

It Can Help You win Business Contracts

Depending on the nature of your online business, some contractors may necessitate that you submit proof of commercial insurance coverage before entering into deals.

Shield Your Business Against Advertising Liability

If by bad luck, your online business violates copyright rules of other online parties or businesses, it will be vulnerable to copyright infringement issues. But with a liability insurance cover, your web-based business will not suffer in case of such claims.

Purchase commercial insurance today

Shielding your online business against unforeseen risks is extremely important to its development and success. Don’t operate in a risky online business environment — reach out to D&B Insurance Solutions of Dallas, TX, for an affordable quote to cover your e-business. 

Should I get a home insurance plan in Dallas?

If you would like to buy and own a home, choosing the right location is important. The Dallas, TX area has continued to provide great value to home buyers as it is a rapidly growing area that offers a lot of potential for price appreciation. If you would like to buy a home in this area of Texas, you have to get insurance for it. This type of coverage is needed for a few different reasons.

Coverage is Needed to Protect Home

The main reason that people should get a home insurance plan is so they can cover their home. Your home is an incredibly important asset that will also be a place to live. If there is ever a bad storm, fire, or other situation that causes damage, the cost to remediate can be significant. Fortunately, you will be able to offset and protect against this risk if you get a proper home insurance plan. 

Coverage is a Requirement for Many Owners

You will also need a home insurance plan as it could be a requirement for many owners. Anyone that has taken out a mortgage or lives in a home association will undoubtedly need to have a home insurance plan. This coverage can help to protect your lender’s collateral and also gives valued liability coverage, which is required by most associations. 

When you live in the Dallas, TX area and decide to buy a home, you will always want to know that you have the right insurance in place. With a proper home coverage plan, you will get the protection needed to cover your dwelling and offer liability coverage. The team at D&B Insurance Solutions can help you get the right coverage. D&B Insurance Solutions does this by assessing your situation and giving the support needed to build a new plan. 

When should a Dallas business get an auto insurance plan?

Businesses all over the Dallas, TX area will find the large metro area provides a lot of opportunity for success. When you are going to own a business here, being able to reach the area is very important. Due to this, many businesses will need to invest in vehicles that are owned by the company. Along with this, you need to get insurance for the vehicle. There are a few situations when a Dallas business will need auto insurance.

When Driving on Texas Roadways

A common situation when an auto insurance plan will be needed by a business is when a driver wants to take it out onto a Texas roadway. The state of Texas is similar to other states in that it requires drivers to maintain liability insurance on their vehicles. If your business does not have insurance on the vehicles, they could face serious penalization and will also be taking on significant liability risks that could jeopardize the financial health of the company.

When Wanting to Protect Assets

The business world today is quite competitive and all businesses need to try to operate efficiently. One way to do this is by protecting all of your business assets as well as you can. If your business owns a vehicle, you need to have a full collision and comprehensive plan on it. This can prove to be helpful if the vehicle is ever damaged or stolen.

Any business that would like to own a car in the Dallas, TX area should speak with the team at D&B Insurance Solutions. Those that work with the team at D&B Insurance Solutions will find that they will have all of their necessary questions answered. This can help ensure that anyone will be able to make an informed decision when it comes to picking insurance. 

Should I get life insurance in Dallas?

In the Dallas, TX area, having proper personal insurance coverage continues to be very important. For most, this includes having home and auto insurance. Another important form of insurance coverage to get is life insurance. There are a few reasons why someone that is in this area of Dallas should get a life insurance plan. 

Life Insurance Gives Protection to Dependents

The primary reason that you should get a life insurance plan here is that it will give you coverage to protect your dependents. Those that have dependents need to ensure their financial needs will be met even if you were to pass away. With life insurance, they will receive the support that is needed to maintain their lifestyle and cover future expenses including the cost of higher education and housing. 

Life Insurance Offers Investment Benefits

If you opt to get a whole life insurance plan, you will also get investment benefits along with the insurance coverage. Those that have a whole life policy will notice that a portion of their payment goes into a bank account that grows with interest on a compound basis. At some point, you will be able to close the account and liquidate the outstanding balance. 

People that are in the Dallas, TX area need to take their life insurance needs seriously. There are many reasons why the typical person in this area should get a life insurance plan. When you are ready to start looking for a new life insurance plan, you should call D&B Insurance Solutions. When you do call D&B Insurance Solutions you can get more insight into how this insurance can protect you and what type of policy is ideal for your situation. Based on this guidance, you can choose a policy that is right for you. 

What is Commercial Insurance?

D&B Insurance Solutions is highly interested in helping people in Dallas, TX access different types of insurance policies so that they can safeguard their businesses. Having the necessary insurance cover to cater for your liabilities when they arise provides some much-needed financial relief. One of the products that we provide is commercial insurance.

What is Commercial Insurance?

Simply put, commercial insurance is a type of insurance policy designed to protect a business, business owner, and employees specifically. It has been structured to cover your business against possible losses arising from injury to your workers, damages to your property, and loss of income. The general term used in the industry is business insurance because everything relates to your business.

In general terms, commercial insurance will protect your business against:

  • Client lawsuits
  • Property theft and damage
  • Customer or employee injury
  • Unexpected events

Types of Commercial Insurance

As you have already seen, commercial insurance constitutes a very broad insurance policy that covers your business against different types of liabilities. However, before you buy this cover, you need to understand that it comes in many forms, and what you choose depends upon your needs. Here are different types of commercial insurance:

  • General liability insurance
  • Fidelity insurance
  • Errors and omissions insurance
  • Worker’s compensation insurance
  • Business owner’s insurance

These specific types of insurance policies are very useful in covering the damages and the injuries your business may cause to its customers and other people. 

By taking up commercial insurance, you’re making what could be the most important financial investment in the life of your business. You’ll run the business without worries of financial losses arising from unforeseen circumstances.

Get Your Commercial Insurance Quote Today

If you live in Dallas, TX, D&B Insurance Solutions is offering commercial insurance policies that will meet your business’s preferences. Call us today to learn more about purchasing a commercial insurance policy.

Will Home Insurance Cover A Non-Working Car?

Suppose you have a project car in the garage. It’s not insured, it’s not really road-worthy, it needs a lot of work before you can get behind the wheel again, so of course, you don’t have it covered on your auto insurance policy.

Now, suppose your Dallas, TX home burns down, and you lost the project car in the fire. The question is: Will your home insurance cover it?

Maybe

If your car is not licensed for road use, and if your home insurance provider has been informed that you have a non-running car in the garage, and it’s included on your inventory, you might be covered. In this instance, it would typically be treated like any high-value item, like jewelry or antiques.

But the key is that this car is not licensed for road use. If you have a license plate on it, then it’s probably not going to be covered without auto insurance.

In short, getting a non-running car covered under your home insurance policy is usually an option, but only if it is absolutely not a working, licensed auto.

For many homeowners, it makes more sense to simply cover the non-running car under their normal policy. This way you can be sure you’re protected, and when you do get it running again, you’re already covered and legal to drive, and you don’t need to make the extra call to your home insurance agent to let them know you’re switching the car over to your auto provider.

If you have any questions about getting covered with home insurance in Dallas, TX, call D&B Insurance Solutions. D&B Insurance Solutions can get you a good deal on a great policy.

Auto insurance add-ons you may want to consider

Auto insurance provides a variety of different types of coverage. A basic auto policy will offer liability coverage which is mandated by most states. Sometimes you may have to have collision and comprehensive coverage. When you need auto insurance, a trusted independent insurance agent can help you to choose the best auto insurance. In Dallas, TX, D&B Insurance Solutions offers expert solutions. We believe your insurance matters and so does your agent. 

Roadside assistance

When your car breaks down or you have a flat tire, you may be stranded. Some people have coverage for these types of events through an automobile club like AAA, You can however have the same type of coverage from your auto insurance carrier. Usually, this type of coverage is less expensive from the insurance company which makes it an attractive add-on. 

Rental coverage

If your vehicle is damaged in an accident you won’t have any way to get to work. If you have rental coverage add-on you will be able to get a rental car while your vehicle is being repaired. It will also provide a rental car for a short time if your vehicle is totaled so you can find a new car. 

Uninsured motorist

Normally if you are in an accident with someone and they are at fault, their insurance will pay for your injuries. If they don’t have insurance or if they don’t have enough insurance, you could be left in the lurch. If you have really good medical insurance then maybe this insurance is redundant but if you are in doubt, it’s good insurance to have. 

At D&B Insurance Solutions in Dallas, TX, we help our clients find the right policy for their needs. We represent multiple carriers which allows us to find the most competitive prices. Contact us for a free quote.