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. 

Reasons to review your life insurance

Most people have at least one life insurance policy even if it is only one administered by their employer. Life insurance provides valuable protection and offers benefits as well depending on the type of policy you have. Over time things change in your life and when your life changes your need for life insurance also changes. At D&B Insurance Solutions in Dallas, TX, our experienced agents are here to help you make sure your coverage stays up to date with your needs. 

Changing jobs

In today’s job market, you may not stay with one employer very long. If you are getting your life insurance as a benefit of your employment, every time you change employers your policy will also change. That means coverage may be different and it may have a grace period. If this is the way you will be living for the foreseeable future, buying a life insurance policy of your own is probably a good idea. It gives you control over the type and amount of life insurance coverage you have. 

Getting married

Once you have taken the next step in your life and gotten married, it is time to reevaluate your life insurance coverage. You may want to change the beneficiary on your life insurance at this time so it a good opportunity to discuss your coverage with your local independent agent. 

Children

When children enter the picture you should take a good look at how long you will need to provide for them and the amount of life insurance required. Something between seven and ten years of income is usually suggested. The amount that actually represents depends on your annual income. 

If it is time for you to review your life insurance in Dallas, TX, D&B Insurance Solutions has an experienced team of agents who will be happy to discuss your life insurance needs with you. 

What is a business owner’s policy (BOP)?

In Dallas, TX, much competition exists when starting a business. You need to give yourself every edge that you can. One valuable tool D&B Insurance Solutions can provide, your business owner’s policy (BOP), protects your business from unexpected loss.

Regardless of whether your business just began or has existed for years, you need BOP coverage. BOP insurance coverage protects your business in four key ways: liability, named perils, property damage, and business interruption. The advantage to the BOP is you obtain four coverages for a reduced price. You could purchase four separate insurance policies to obtain the same coverage, but you would pay higher premiums.

A BOP insurance package provides you the essentials needed by most businesses. You can also purchase other policies to add to it. These types of commercial policies include options like commercial auto, boiler, glass, inland marine, and crime insurance. Customization of your policy lets you obtain just the coverage your company needs.

For example, you start a business located in a strip mall. On either side of your storefront resides another business. Your dry-cleaning business gets flanked by an ice cream shop and a dentist’s office. All three businesses purchase a BOP, but each adds a different policy to it. Your dry-cleaning business requires inland marine insurance, while the dentist carries a malpractice policy, but the ice creamery adds an umbrella policy for increased liability coverage. All three save money by starting with a BOP.

Let D&B Insurance Solutions help you obtain a BOP and customize the policy to your needs. We serve the Dallas, TX metro area, including Ft. Worth and Plano. Call us today to learn more or set an appointment for a consultation.

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.