Is my Gazebo protected with home insurance

Discover if your gazebo is protected under State Insurance Solutions’ Home Insurance

Home insurance describes a policy package that offers protection for policyholder’s home and their personal properties. The policy also protects the holder and their family from being held responsible for injuries that others may sustain while on their property. A standard homeowners insurance, offered by State Insurance Solutions serving Dallas, TX, has four essential types of coverage, this includes; protection for home structure, liability protection, protection of personal belongings, and protection for living expense should your house be unlivable.

The portion of the policy which covers for home structure protect against physical damage to the house itself, such as damage to the walls, floors, and doors. In addition to the structure of the house, the policy also covers detached structures located on the property, this include garage, gazebo, and shed.

The gazebo is considered a detached structure hence, it is covered under the portion of the home structure under homeowners insurance. But this insurance does not cover this structure fully. Typically, it covers these types of structure for about 10 percent of the amount of the home insurance policy that is on the home. This may appear small but it does go a long way.

But if you have a high-value gazebo or you are not contented with the 10 percent coverage, then you can add additional protection for it. This would be added to your homeowner’s policy. This will increase the amount of coverage you have on the structure and have it listed on your policy. Although this would increase your premium, it would be a worthwhile investment.

It is important that you maintain and take good care of your gazebo as homeowners insurance does not cover normal wear and tear, and also does not cover incidents that arise as a result of poor maintenance.

If you are thinking about adding a gazebo to your already existing structure it is advisable that you, first of all, speak to your home insurance company. Your agent would be in the best position to advise you on how to add these very expensive structures to your coverage so you can stay safe and secure. At State Insurance Solutions, we can advise you on how you can add your gazebo to your insurance coverage. Our company serves Dallas, TX and surrounding areas.

 

Keep It Simple With Your Auto Insurance in Texas

At State Insurance Solutions we want the process of receiving an auto insurance quote and getting auto insurance to be simple and easy. It is a legal requirement to have insurance on your vehicle in the State of Texas, but that does not mean the process has to be complex. Come in or call us to see the difference. We serve Dallas, TX and the surrounding areas. 

How We Can Make Your Insurance Purchasing Process Simpler?

First, you will be working with an individual agent who understands your unique case. This will make any claims filed easier to navigate and it will make your experience with us a more positive one. This also means when you call us with questions you talk to someone you know. 

We stay up to date on any new legislation when it comes to insurance, and we can pass that information to you. This means that you have an insurance agent in your corner for needs beyond filing a claim or the original purchase. As legislation changes that effects drivers no matter the impact we will let you know. Some times that means better rates, sometimes it means new laws or requirements, either way we are here for our customers. 

Finally, you can purchase insurance in a fashion that is comfortable for you. If you want to come into our office, do a phone consultation, or apply online we have your preferred method and can help you as much or as little as you are in need of from our end. 

Contact one of our agents today to find out the difference at State Insurance Solutions. We proudly serve Dallas, TX and the surrounding areas with quality insurance services. 

Family Life Insurance And Key Person Life Insurance

State Insurance Solutions in Arlington, TX, is an independent agency that offers a variety of insurance products.  These products meet the needs of its customers and are an essential part of financial planning. Many people purchase life insurance to pay for funeral expenses, to pay off any liabilities, to fund children’s costs, to replenish the loss of spouse’s income, to settle the ownership of a business and to settle estate taxes.  State Insurance Solutions in Arlington, TX, is an independent agency that offers a variety of insurance products. 

The basic forms of life insurance offered to the average American is Whole Life Insurance, Universal Life and Term Insurance: 
    
1.    Whole Life Insurance or permanent life insurance expires on your death and pays out contracted for death benefits.  Permanent life has a savings benefit 
      and thus has a cash value.

2.   Universal Life Insurance offers flexible premiums, which will give the insured the opportunity of increasing the death benefits by over funding the policy.  Thus, the cash value can be built quicker than whole life, which makes investments more attractive because the investments are tax-deferred.

3.   Term Life Insurance can be purchased for a specific term such as twenty years by a young family with small children. Thus, the policyholder is insured only for a fixed period and parents may want to protect their children for only a fixed period, such as finishing college. 

The businesses Key Person owns his or her policy while it is purchased by the employer. The life insurance is used to protect a business as an incentive to attract and retain a key person who is a highly productive executive so this person would remain loyal to the company. Without this integral person, the company could fail.  This enticement is in the form of an executive benefits package, used to fund retirement and the employee has the authority to choose his or her own investments.  Its primary purpose is the death benefit.  

The agents employed by State Insurance Solutions are experts in life insurance products to protect the family and businesses.  Please call and make an appointment!

 

Good Business Practices Begin Here

For competitive rates, specialized policies, and up-to-date coverage you can depend on contact our agents at State Insurance Solutions.  We have experienced and knowledgeable people with immediate access to multiple national insurance companies who can provide you with the commercial coverage your business property needs. Proudly serving the Arlington, TX communities, we work hard to serve you. The insurance providers we use are well established, nationally known, reliable, and service oriented. Your commercial insurance couldn’t be in better hands. 

Insurance You Can Depend On

Businesses have a broad spectrum of insurance needs and what works for one won’t serve another. This is why we stay well informed on Texas requirements for commercial coverage. It won’t matter what kind of establishment you have, or what services you offer. We help you with:

  • Property Insurance
  • General Liability
  • Professional Liability
  • Worker’s Compensation
  • Transportation Liability
  • Construction Liability
  • Contractors Liability
  • Special Event Coverage
  • Alcohol Liability
  • Umbrella Coverage
  • And more

Our Commitment To You

Here at State Insurance Solutions in Arlington, TX we understand the ins and outs of business and commercial insurance coverage. It might be that you own specialized equipment you want to protect. Maybe you’re worried about the city sidewalk in front of your business. Perhaps you provide sensitive legal or accounting services and worry about client satisfaction. No matter what your business is or what your particular needs might be, we can discuss the many policy options you have available. We’ll go over the services that all the major companies offer and we’ll explain the details that you need help understanding. We can also help you plan ahead for business growth and the challenges which that can bring in coverage for Texas business owners. Contact us today to review your current coverage, consider the future needs of your business, and sign up for excellent coverage you can depend on.

 

Home Insurance and Your HOA: What is Covered Exactly?

More and more neighborhoods in the Arlington, TX area are being built with a homeowner’s association included in the design. When shopping for a home or buying home insurance, your agent at State Insurance Solutions reminds you to check on the details and fully understand what you are responsible for and where the communal areas begin.

Sidewalks, Mailboxes, and Porches: Check with the Office

Before you start replacing a damaged mailbox or sidewalk after severe storm damage, take a walk down to the HOA office and check out what items are included in your monthly fees. If they maintain your porch, mailbox, and front walk, then your home insurance will not cover the cost of repairs. If the HOA hires somebody to paint or repair any structure in the neighborhood, it must insure that item.

Streets and Playgrounds: HOA has Your Back

In general, communal entertainment areas and general access to the neighborhood are funded by your fees. Should your child slip and fall on the playground slide, you will need to connect with the HOA insurance company. However, liability for your neighbors’ kids playing in your backyard will be yours.

Your House, Yard, and Shed: Maintain It–Insure It

A good rule of thumb is if you mow it, you are responsible for it. Your home insurance will need to indicate the presence of any exterior building within your property that you along purchase and maintain. Single-home units often require the owner to cover the roof and walls, while duplex situations are more likely to require condo insurance.

For more help in making sure that your Arlington, TX home has the right coverage, sit down with your agent at State Insurance Solutions today. They will help you craft the home insurance policy that protects your property without charging you extra for HOA owned areas and buildings.

Getting and Comparing Auto Insurance Quotes

Whether you are getting an auto insurance policy for the first time or changing from one insurance company to another, it is definitely wise to get auto insurance quotes before deciding which insurance company and policy to get. Here are some key tips on getting and comparing auto insurance quotes, brought to you by State Insurance Solutions serving the Arlington, TX area.

Narrowing down the search

There are so many auto insurance companies and options available that it can get overwhelming and confusing as to where to start your search. Narrow down to a handful of companies that have great reputations. Look for companies that are highly rated by their industry and by satisfied customers.

Obtaining quotes

Once you have narrowed down to about five or fewer auto insurance companies, request quotes. You can typically do this online. Be sure you are comparing apples to apples by obtaining quotes that all have the same coverages and specifications.

Comparing quotes you obtain

Make a comparison between the quotes you obtain, looking at factors like total cost and what benefits you will receive for that cost. Keep in mind that the least expensive policy might not be the best option for you. As the saying goes, you get what you pay for, so consider the quality of coverage you will be getting for the amount you will be spending. Take your time while you compare policies, as the decision you make on which insurance company to go with is a big one.

Working with a trusted company can help to streamline your search for auto insurance, and that is where we come in. Feel free to contact us at State Insurance Solutions serving the Arlington, TX area if you need assistance with your auto insurance search.

How Much Life Insurance Do I Need?

If you are in the market to purchase life insurance, you will need to find out just how much you need to protect your family from financial loss if something should happen to you. The agents at State Insurance Solutions work with residents of Arlington, TX to evaluate their family’s needs and find the right type of life insurance policy that will provide adequate coverage to help them maintain their family’s lifestyle and pay off any outstanding debts.

Maintain Your Family’s Lifestyle

Maintaining your family’s current lifestyle is important. You want to provide them with enough money to maintain their lifestyle for at least two to three years, possibly longer. If your children are grown and living outside of your home, your main goal should be to make sure your spouse is as financially secure as possible. 

Pay Off Your Debts

In addition to maintaining your family’s way of life, you also want to have enough life insurance money to cover any outstanding debts you may owe. Paying off your debts will eliminate most of the stress of trying to maintain a certain type of lifestyle. If the debts are paid off, your family will not have to worry about making any future payments.

If you want to protect your family from financial loss after you pass away, talk to the agents of State Insurance Solutions. They can help the residents of Arlington, TX evaluate their cost of living and fit them with a policy that will meet or exceed those needs if something were to happen to you. Call and schedule an evaluation with one of their agents so you can protect your family!

 

Do the size of your business determine the type of commercial insurance coverage you should buy in Arlington TX?

A business, just like a baby, takes time to grow and each develops at an unprecedented pace. Matter of fact, a company, can take years to at least break even, and the owner has to seek ways to cut costs continually. Despite the challenges entrepreneurs face in the teething stages, some advantages accrue to owners of small businesses in Arlington, TX.

In most states, small businesses have to take up specific insurance covers. However, Texas offers unique insurance solutions, among which is the exemption of small businesses to have special covers. In spite of this, a company should consult a knowledgeable agent to offer advice since you will need information to purchase the right kind of protection as your business changes.

Furthermore, Texas law requires certain types of commercial insurance for businesses operating within the state. While others are optional, some industries warrant them though they may also be necessary for other situations. Therefore, any costs you incur will depend on not just the size of the business you are running, but also the industry under which it falls. As your company expands, your limits of insurance will also increase.

Getting a reliable insurance company to partner with you in your entrepreneurship can be an uphill task. At State Insurance Solutions, we understand your plight and provide insurance coverages for the business. We go a step further to advice you on the cover most suitable, depending on the size of your business.

As an insurance agency serving Arlington, TX residents, we aim to offer the best for our clients. We make serving our customers a priority and provide excellent customer service. You are welcome to visit State Insurance Solutions and learn more about our services. Run your business without fear by letting us protect your investment.

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!