Do I Need Boat Insurance In Arlington, TX

For most people, buying a personal watercraft such as a boat may be one of the most costly expenses they will ever make after purchasing an automobile or a home. Yet, many of these people don’t consider insurance for their watercraft or boat to be anything until the need to file a claim becomes necessary. Though there is no rule, regulation or law that requires anyone to purchase insurance for their personal watercraft in Arlington, TX, it is, however, not a bad idea to consider purchasing an insurance policy to protect you and your investment.

Why consider boat insurance?

Despite being one of your most valuable assets, your boat can also be one of the most vulnerable assets. As a matter of fact, it can be involved in catastrophic accidents and can even be lost to a lawsuit, windstorm or fire. To this end, having the right coverage in Arlington TX would be helpful to repair the boat to use again or even replace it entirely.

Protect your own assets

Insurance is a legal promise signifying that you will be paid or compensated by your insurance company for the losses that may occur during the policy period. As a boat owner, you may need to buy insurance that will cover your boat for a while which could last up to a boating season or even for a year. To this end, it is important to understand what is and what isn’t covered before making any purchase.

State Insurance Solutions can help you understand and identify the right type of coverage you need for your boat. Remember, that you can’t store premiums with insurance since it is not a bank. So, endeavor to understand the legal contract you are getting involved with before you sign it.

For further inquiries, questions or advice, ensure to contact State Insurance Solutions.

Instances When Umbrella Insurance Is Right For You

Arlington, TX residents are often confused about umbrella insurance and whether they need it. That’s why we at State Insurance Solutions are providing this simple-to-understand guide to when you might want to add it to your policy.

The Nature Of Umbrella Insurance

Umbrella insurance is a type of liability coverage that extends what your company pays. For example, if you get in a car accident that causes a serious problem and your liability coverage cannot pay for it, umbrella insurance will help to pay for the extra cost.

When You Might Want It

There are several instances in which umbrella insurance is a great choice. While umbrella insurance isn’t a great choice for everyone, there are several types of people who might want it, including:

  • People who travel abroad regularly
  • Those who own a significant amount of property
  • Anyone who owns dangerous items, such as trampolines, pools, or even large dogs
  • Participants in sporting events, such as coaches
  • Volunteers in a variety of situations
  • Hunters, fishers, surfers, or skiers who participate in dangerous events

These people often benefit from umbrella insurance because it provides a more comprehensive rate that helps to avoid serious liability issues. For example, people who travel abroad may get sued if they end up causing a serious car accident in another country.

While your normal liability insurance won’t cover these lawsuit costs, umbrella insurance will help keep you from losing too much money. And sports coaches often need this kind of coverage because parents get angry at them when their children get injured and try to sue them.

Deciding On Umbrella Insurance

If you think that umbrella insurance is right for you and you live in Arlington, TX, give us a call at State Insurance Solutions. Our experts will make sure you get a policy that is right for you.

Can I Get Life Insurance After 50?

One of most commonly asked questions regarding life insurance by people living in Arlington, TX is whether or not a person can purchase a policy once they get older. While it is not suggested to wait so late in life to buy life insurance, it is possible. In fact, no matter a person’s age, buying a policy is still an option. For now, let’s take a look at the reasons not to wait until you’re 50 to buy a life insurance policy.

The Older You Get, the Closer You Are to Dying

With each passing day, you are getting closer to dying and insurance companies know this. This is why they prefer you to buy a policy when you are younger. Not only is it beneficial to them, but it is beneficial to you because you can lock in lower rates. The younger you are, the lower your premium rate will likely be. Getting a policy when you are 25 versus 50 could save you thousands of dollars in premiums.

Your Health Becomes More Complicated the Older You Get

One of the primary factors that affect your life insurance rate is your health. As you get older, though, your health tends to start to go downhill. As you run into more health problems, the more costly your life insurance will be if you have yet to buy a policy. If you purchase a policy while you are young and healthy, though, you can lock in a good rate that won’t change based on changes that take place in your health.

To learn more about life insurance, as well as commercial insurance, please contact Stateline Insurance Solutions today serving the Arlington, TX area.

Texting in Texas: Important Considerations for Business Owners

Many businesses hire commercial drivers. We notice them on streets throughout the greater Arlington, TX area, whether they are delivering small packages or navigating large trucks. As employees and ambassadors of the businesses they work for, these drivers must exercise great caution on our roads while also meeting their deadlines. Employers need to know about a recently-enacted Texas law that affects how these drivers communicate with their offices while on the clock.

More than a half-century ago, businesses began outfitting their fleets with citizens band (CB) radios. By the mid-1970s, CB radios also became popular in many private vehicles, though much of the use today is by truckers and other commercial drivers checking on road conditions along their routes. Over the last two decades, advances in technology and competitive pricing have allowed drivers in many businesses to use mobile devices as the preferred way of staying in touch with their home base.

Importance of the Alex Brown Memorial Act

Numerous jurisdictions have enacted laws in response to the dangers resulting from distracted driving. Employees who text or use other mobile apps while operating a vehicle may pose a liability to their company. Texting or scrolling through apps on hand-held devices is very distracting, dangerous, and sometimes deadly.

The Alex Brown Memorial Act took effect throughout Texas on September 1, 2017. This legislation regards tablets, mobile phones, and similar devices as distractive items for motor vehicle operators. Under this law, using these devices while operating a vehicle is a primary offense with legal penalties imposed.

State Insurance Solutions encourages commercial firms in Arlington, TX and throughout our state to inform their employees of this law. Responding to a text or message while safely off the road may save a life. State Insurance Solutions looks forward to assisting you with your life and commercial insurance needs. Contact us today.

Why auto insurance protects your family

State Insurance Solutions serving Arlington, TX understands Texas values, American values:  Apple pie, Family, and a great car adventure.

One of the great things about living in Texas is piling the family and friends in the car and going to experience some of the best of Texas : the Texas State Fair, the cowboy life at Sugar and Spice Guest Ranch, and great and unique cities like Dallas/Fort Worth, San Antonio, Houston, the National Seashore at South Padre Island and all that Texas can offer, in family fun.

You crave that family fun. So why shouldn’t you want the best auto insurance can provide to protect your family?

Good auto insurance for your family sometimes involves looking at what is best for your situation. You aren’t just protecting small bodies from injury or the cataclysm of an accident that involves intensive medical bills, you are protecting your families assets from the possible financial damages result of an accident.

According to Kelly Blue Book, the best way to protect your family is to not to be underinsured.

Avoid being an underinsured family motorist:

Go beyond the state minimum for bodily liability

Get auto insurance coverage for property damage

Protect yourself against uninsured and underinsured drivers

Check health insurance before choosing medical expenses coverage

Don’t be sideswiped by going without collision coverage

Be smart with your comprehensive coverage

Get enough coverage to protect your assets

At State Insurance Solutions serving Arlington, TX, they understand how much Texans love their families and love to drive off into the sunrise and sunset to have fun, but they also understand what you need to protect your precious family, and they are just a short drive (Texas style) away and ready to help.

3 Motorcycle Safety Tips

Taking care of your motorcycle isn’t just smart for your vehicle, it’s smart for your personal safety as well. It helps your motorcycle stay on the road longer so that you can enjoy the fresh air and the wind in your hair for many years to come. State Insurance Solutions wants the people of Arlington, TX to follow these tips for a happier drive.

Wear Your Gear

Enforcing helmets, long pants, knee pads and protective footwear isn’t always what you want to think about when it comes to riding your bike. It’s not exactly the coolest image to have when you bring out the helmets and the face protectors. You’d probably much rather think about the feeling of gliding from place to place on your bike. But protective gear can also be the only thing that stands between 3 weeks of recovery and 10, so make sure you suit up.

Wake Up

From tailgating to speeding to taking a curve just a little too fast, there are certain things we all do on the road that probably need to stop. For an easier ride, make sure you’re paying attention not just to your own habits on the road, but to others as well. The more the people of Arlington, TX can be alert to what’s happening around them, the safer everyone on the road will be.

Get Better Insurance

Motorcycle insurance can protect your motorcycle from all of the events that are outside of your control. Fancy alarm systems and safer parking strategies can help, but nothing can prevent a major storm or particularly motivated thief. If you’re interested in additional coverage, contact State Insurance Solutions for more information or to ask for a quote. Our friendly staff is waiting to help you learn more about motorcycle insurance!

How is my RV policy different from my auto insurance policy?

Because of the mild weather and many RV parks, many people in Arlington, TX enjoy the use of an RV. It is important to know, though, how insurance protects you when you are using your RV.

Unlike the auto insurance policy you may have through State Insurance Solutions, an RV insurance policy may not be required by law. If you are driving a towable RV, you can have your RV covered under your auto policy. If your RV breaks loose and damages someone else’s property, you will be covered. Talk to your agent, though, and make sure you have enough coverage.

You will need an RV policy if it is driveable, if you are renting it, or if you have a loan out. Your lender will demand your RV be insured to protect the collateral on the loan. You can also get different insurance based on how often you use your RV. If you live in it, you can get full-timers insurance; if you live in it part-time you may be able to get campsite-liability insurance. You may be able to suspend your policy if you put your RV into storage for an extended period of time.

RV insurance is also different because you will probably need a higher liability threshold. This is because your RV usually costs more, and has more personal belongings in it if you live there. Your liability limit may also be higher because your RV is so large that it could potentially cause much more damage than a small personal vehicle. 

If you have any questions about how much coverage you need to protect your RV in Arlington, TX, call our agents at  State Insurance Solutions and we can help you compare RV policies. 

What Is Covered With A Toy Insurance

Though it is known as toy insurance, this insurance niche is specially tailored for adults. This type of insurance is very important for individuals who own motorcycles, various types of boats, RV’s, and ATV’s. Other types of specialty vehicles and crafts also come under the ambit of toy insurance.

With Arlington, TX having such fine weather for outdoor activities with these specialty vehicles, it is imperative that owners get toy insurance.

Fact is, one can easily get into a bit of trouble through accidents. This can cause bodily harm and damage to property.

So, it is logical to have comprehensive toy insurance from firms like State Insurance Solutions, Arlington, TX.

Read on to know what is covered by toy insurance. You would appreciate why getting it is the smart move for you today or when you decide to buy your own ‘toy’.

1. Personal bodily injury

This coverage targets injuries sustained while using your recreational vehicle. Some of these injuries can be very grievous depending on what your vehicle is and how it was used.

2. Medical payments

In case of accidents involving other people, this coverage covers your medical bills and the cost of treatment for other parties involved in the accident

3. Damage to property.

Any good toy insurance should be able to assist the policyholder offset the cost of paying for damages to properties while using the vehicle. This covers damage to a private and public property like buildings, other vehicles, telephone poles, lamp poles etc.

4. Comprehensive insurance

Comprehensive toy insurance covers loss or damage resulting from:

  • Theft
  • Damage caused by fire
  • Damaged caused by natural disasters
  • Vandalism
  • Falling objects
  • Etc.

These are just some of the cover you get when you buy toy insurance. There are reputable insurance firms in Arlington, TX, providing this service. For good measure, customized toy insurance is available for every peculiar situation.

If you want to know more about insurance for your specialty/recreational vehicles, contact State Insurance Solutions to get all the answers to your queries at any time convenient for you.

 

Boat Insurance Add Ons to Consider

There’s nothing like spending time out on the water with your favorite boat. It is everything from relaxing to exciting. As such a large purchase, you want to make sure and protect it from any kind of harm. This is why investing in the right boat insurance and accompanying add on’s is a must. At State Insurance Solutions, we are here to assist you, whether you live in Arlington, TX or the surrounding communities. Here are just some of the boat insurance add on’s to consider. 

Transportation Insurance

It is always best to check your boat insurance to see if it is covered while in transit. You’re more likely to be involved in an accident while on the road than in the water. Due to this, protect your boat while on the road with these kinds of insurance add ons. 

Fishing Equipment Coverage

Do you use your boat to fish? Perhaps you use it as part of your business or you’ve simply invested heavily in outfitting the rig with additional fishing hardware. Whatever the reason, you’ll want to protect the fishing equipment you have purchased, which is where this form of coverage comes in. 

On Water Towing

Unless you own a row boat, if you’re out on the water and your vessel breaks down, you’re going to need a tow. Towing a boat isn’t always cheap, which is why on-water towing insurance is a valuable addition to your coverage. 

Whether you own a speed boat, a pontoon or anything else in between, you need to make sure your boat is properly covered with the right insurance package. At State Insurance Solutions, we’re here to assist you in finding the right coverage to ensure you’re always protected, no matter where you go or how often you’re on the water. 

Umbrella Insurance for Entrepreneurs

Entrepreneurs need to think beyond basic liability policies to fully protect their business assets. Commercial auto, real estate, and life insurance policies guarantee a portion of your investment against loss or damage. But what happens when repairing or replacing your critical equipment costs more than your insurance payout?

What is Umbrella Insurance?

Umbrella insurance policies cover costs that other policies don’t. Imagine you own a successful shop in Arlington, TX. A large storm comes through. Your building, vehicles, and inventory are completely ruined. After filing your claims, you realize the amount the insurance company sends you doesn’t cover the cost of cleaning, repairing, and restocking your business.

That’s when your umbrella policy goes to work. Once the limits of your other policies are reached, umbrella insurance kicks in to fill in the gaps. These types of policies are often called excess liability contracts.

Umbrella policies also help pay for legal costs associated with cases of libel and slander. If you are found liable for damage to the reputation of another business or person, your policy can help you make court-ordered payments.

The insurance professionals at State Insurance Solutions can customize an insurance package for your business that includes an umbrella policy.

Why Do Entrepreneurs Need Umbrella Insurance?

Regardless of the type of business you operate, your livelihood depends on having access to your equipment or property. Theft, natural disaster, and accidents can cause catastrophic loss and threaten your ability to rebuild. An umbrella policy ensures that you have the cash to start again, no matter what happens.

Want to know more about how umbrella insurance can protect your business interests? Contact the experts at State Insurance Solutions. We offer a variety of insurance products for business owners in the Arlington, TX area.