What Happens if Your House Becomes Uninhabitable?

There are many disasters that can cause your home to become uninhabitable, from fires to floods and other water damage. Unfortunately, many basic home insurance policies do not provide protection from all events that can cause damage to your home. At State Insurance Solutions we are here to provide our clients in the greater Arlington, TX area with the necessary guidance to choose the home insurance policy that provides the level of comprehensive care that is appropriate for their needs.

An Uninhabitable Home Can be Devastating

We all consider our homes to be a place of safety and happiness, and having a catastrophe take that from us can be devastating. In addition to losing our home or being temporarily displaced, comes the additional stress of repairing or replacing our belongings and finding somewhere else to live. With a comprehensive policy, you can have the option for coverage that includes reimbursement for temporary housing if your home becomes inhabitable. Basic policies typically cover damage to your home but do not protect you from the expense and inconvenience of finding another place to live while your home is being repaired or rebuilt. With the right policy, you can overcome a catastrophe with the least amount of stress and disruption possible for you and your family. Speak to your professional agent today about upgrading your policy to one that provides comprehensive coverage.

Let the team at State Insurance Solutions review your policy and ensure that everything is in place. We want you to have the coverage that you need before a catastrophe occurs and you find that you may not have the necessary protection. If you are in the greater Arlington, TX area call or stop by to meet with one of our agents for a thorough policy review.

What is Bodily Injury Coverage in Auto Policies?

The majority of US states require that drivers have liability insurance when they drive.  The key piece of this insurance is bodily injury liability coverage which covers the injuries and damages of others when you are deemed responsible for the accident.  This forms an important piece of financial protection for you and your family.  If there is an accident, the injured party’s medical expenses can rapidly escalate when you consider the realm of what that can entail (doctor’s visits, ambulance, MRI, surgery, physical therapy, etc.).  Also, there is a high probability that they will sue you.  This means legal fees, court costs, and a possible judgment.  The team at State Insurance Solutions works with Arlington, TX area residents like you and businesses to make sure that their client’s vehicles are appropriately covered when they venture out.  Before and after an accident, they are your partners when you drive.

One important part of bodily injury liability coverage to understand is that while it pays for the medical expenses and legal fees of others, it will not cover your medical expenses.  The most common policies will cite “25/50/25” or similar numbers.  This indicates the amounts the policy will pay out.  The first number represents $25,000 for one injured person in an accident with a $50,000 maximum for the entire accident.  The last number represents coverage of $25,000 for damages.  These are the limits for an average policy.  If expenses exceed these amounts, you will be held responsible. 

Unfortunately, accidents occur every day.  That is why you need the appropriate coverage when you and your family members drive.  The agents at State Insurance Solutions work with Arlington, TX area residents every day.  They will get you the coverage you need for a price that fits your budget.  Visit them today!