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. 

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.