When to Buy Life Insurance

Life insurance is a type of insurance that most people will need at some point in their lives but the question of when they will need it is something that will need to be taken into account. Most people actually do not know when the right time to purchase life insurance is because there are a lot of different life events that can trigger when to purchase. Use these tips from State Insurance Solutions, serving Dallas, TX, to better know when to purchase your life insurance policy. 

  • Once you have children. If you have children, that is a good sign that it is time to get a life insurance policy. It is a good idea to have a little bit more coverage to ensure that they are taken care of if you were to pass prematurely. 
  • If you have debt. Many people do not realize that some debts still need to be paid even after you pass. You should make sure you have enough coverage to pay for these debts, such as student loans and mortgage loans.
  • If you have a spouse that does not work or relies on your income. Once this happens, you need to make sure that they will be taken care of if you were gone. You need to at least make sure that they have enough to get them through until they can figure out the next steps for them to move forward financially. 

Now that you know when you need to get a life insurance policy, if now is the time for you, be sure to reach out to us here at State Insurance Solutions, serving Dallas, TX. We will help you get the right policy based on your needs and will get you a free quote to meet your budget needs. 

What You Should Know about Home Insurance and Dogs

Dogs and pets in Dallas, TX can affect home insurance rates because even the best trained animals can be unpredictable. Insurers need to look at every risk when creating a policy, and there could be a chance that your pet poses a risk. According to the CDC, up to 4.5 million people can suffer from a dog bite each year. About 900,000 of those bites could require medical treatment. Since the liability part of your home insurance covers dog bites and helps pay for other injuries, it can lead to an increase in your premium.

The breed of your dog can be a factor in home insurance. Some insurers won’t cover dogs that can inflict severe harm from just a single bite, such as chow chows and Dobermans. It can be hard to predict which dogs are the most likely to attack, since there are many misconceptions about breed. Studies show that large dogs that are often mistaken for the ones with more attacks aren’t necessarily more likely to bite than small dogs. Greyhounds and Siberian huskies are considered calm dogs, and even Rottweilers and pit bulls have about average or below average aggression. Chihuahuas and Dachshunds are some of the most aggressive breeds. A liability claim can come from any dog breed. Speak with an agent at State Insurance Solutions if you are worried about your dog’s breed. If you have a mixed breed, don’t just guess at the breed. A DNA test can help determine the breed for insurance purposes.

If you keep quiet about your dog and don’t let your insurance company know, then if you do have a claim, they might not pay. Be sure to let your agent know, even if you think it can raise your insurance. Showing that you are claim free when it comes to your pet can be helpful.

Contact State Insurance Solutions, serving Dallas, TX, to get a quote on home insurance. 

Why Windshield Wipers are Important for Safe Driving

Your windshield wipers are something you may not think about until a heavy rain or snow storm. Living in Dallas, TX, a storm can sneak up on you, and if your windshield wipers aren’t working correctly, you can be in trouble.  You depend on those wipers to clear the windshield to improve visibility, and nothing is more frustrating than realizing too late that they aren’t working properly.

Windshield wiper blades become dry and brittle by their exposure to all types of weather conditions.  Over time, they can crack and break apart becoming a hazard to visibility and possibly expose the metal that can scratch your windshield.  All of this is easily avoided with some regular simple maintenance and replacements as needed.  Never get caught trying to see when it’s pouring down rain or in a significant snowstorm with these tips to healthy windshield wiper blades.

To maintain your windshield wipers, periodically run a wet towel along the edge of the blade to remove dirt, dust, and grime that build up over time.  A quick wash will extend the life of the wiper blade and alert you to any cracks developing or if the wiper is becoming ridged and worn.  Having the wipers checked and replaced as needed when you take your vehicle in for routine maintenance is an inexpensive and easy way to keep them fresh and in good working order.  Be safe with better visibility. 

State Insurance Solutions

State Insurance Solutions provides auto insurance in the Dallas, TX area, and our independent agents care about your safety on the road.  Contact a State Insurance agent today to explore your auto insurance needs.  We can make sure you have the right coverage without items you don’t need at the best price possible.

How Much Life Insurance is Right?

Investing in life insurance is one of the most important investments you’ll ever make for your family. However, the one big question you probably have is how much life insurance is right? While that is a personal decision the team at STate Insurance Solutions can help you determine the amount of money your family will need. So if you live in the greater Dallas, TX metro area, the insurance provider is here to help. 

Income Times 10

A good starting point for how much life insurance is right is to determine how much your annual income is and multiply it by 10. This will give your family around 10 years worth of money after they have claimed the life insurance policy. Of course, after inflation and some other final expenses, the exact number of years will go down, but this is a good place to begin. 

Cover Current Debts

Beyond your income times 10 you should consider the current debt you have. This includes everything from student loan payments and credit card debt all the way to your home mortgage. Include these amounts with the overall value of your life insurance policy. 

Money For College

Putting money away for your child’s college fund is important as well. A good place to start is $100,000 per child (if you want to save for in-state tuition), or at least double that if you’re considering an out of state school for your child. 

Whether you live in metro Dallas, TX or just have questions about life insurance, State Insurance Solutions is here to help. Selecting the right life insurance policy is critical, as is determining how much you should select. Whatever you decide on, just know you’ll be providing for your family for years after you are gone. 

What is covered by commercial insurance?

If you are a business owner, you will need to make sure that you take all steps necessary to properly protect your business. One of the best ways to do this today is by having a commercial insurance policy. When a Dallas, TX area business invests in a quality commercial insurance policy, they will receive a number of different types of coverage.

Liability Protection

One of the biggest risks that you face as a business owner is at risk of being sued for liability. When you provide a product or service of any kind, there is always a chance that it could lead to injury or illness. Since this could lead to a big loss for a business, it is important that you find ways to hedge against this risk. One of the best ways to do it is by investing in a full commercial insurance policy as it will provide you with liability protection.

Workers Compensation Coverage

Another advantage to having commercial insurance is that you can receive workers compensation coverage. If you have employees that work for you, it is important that they are cared for if they are hurt while working. When you have a commercial insurance policy, the worker’s compensation portion of it will provide you and your employees with coverage in the event they are injured while working.

 

If you have a business in the Dallas, TX area, it is important that you speak with State Insurance Solutions first. When you meet with State Insurance Solutions, you can receive advice as to what your insurance options are. The company can then help get you into a commercial insurance policy that provides you with the protection that you need. 

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.