Do I need to have more than basic auto insurance

Posted on October 26, 2020October 26, 2020 by admin

Texas is a state that is known for its wide-open spaces. Your car is vital to your everyday life. Like almost every state, Texas has requirements for the basic amount of auto insurance you are required to carry. At David King Insurance Services LLC in Coppell, TX, we work diligently to provide the highest customer service level to everyone who comes to us for insurance assistance. As independent agents, we work for our customers, not for a single insurance carrier, and we can offer more choices and competitive premiums.

Before you can decide if you need more than basic auto insurance, you need to know what is considered basic auto insurance in the state of Texas. Basic liability insurance is what is required in the Lone Star state. This is commonly called 30/60/25. What that means is you must have $25,000 liability insurance for any property damage you may cause and $30,000 for injury to a person, and up to $60,000 per accident. This will help to pay medical expenses and then any legal action taken against you.

Basic liability is fine if you don’t have many assets, but if you are successful, you might need to have more protection. If you have an auto loan, you will need to have collision and comprehensive coverage on the vehicle. This repairs or replaces the car if you are at fault or the other driver is uninsured or underinsured. Most people opt for this coverage because we all count on our vehicles every day, and having to pay for a repair or replacement is a hardship.

If you are looking for a new insurance agent or ready for your first auto insurance at David King Insurance Services LLC in Coppell, TX, we are ready to help you out. Please stop by our office or give us a call for a no-obligation quote.

The Benefits of Business Interruption Insurance

Posted on September 14, 2020September 14, 2020 by admin

Business interruption insurance can make a significant impact on your company’s ability to bounce back after an event that causes damage or destruction. With this coverage, your Coppell, TX area business can continue even if your means of production are off-line. David King Insurance Services LLC can provide any necessary guidance your firm may need when selecting your comprehensive commercial insurance policy.

Benefits of Business Interruption Coverage

A comprehensive commercial insurance policy that includes business interruption coverage can make the difference between your company suffering significant losses after a covered event and getting back on track as quickly as possible.

Texas has its fair share of potentially disruptive events, weather, and otherwise, and it only makes sense to give your business the comprehensive coverage that it deserves. You don’t want to find out after the fact that you don’t have the coverage your business needs to thrive. Business interruption coverage is there to fill any gaps that can occur as your company gets back to business following a covered event.

Companies that are looking for their first commercial policy, or want to upgrade, often find that including business interruption coverage is the way to go. This protection comes into play if you can no longer conduct business as usual due to a covered event. Depending on the policy and level of coverage, you can be compensated for lost revenue while waiting for your operations to resume.

If you are a business owner in the greater Coppell, TX area, it’s time to talk to David King Insurance Services LLC. A robust commercial insurance policy can potentially help your business weather many storms and come out even stronger. Don’t wait to get your business the coverage it needs. Call today, and schedule your consultation!

Keeping Your Texas Home Safe and Protected

Posted on August 31, 2020September 9, 2020 by admin

Owning a home is a massive part of the American Dream. Protecting that home is where the team at David King Insurance Services, LLC comes in. We are dedicated to providing all of the insurance needs of the greater Coppell, TX community. If you are looking at buying your first home, or want to make sure that you have adequate protection for your home, call or stop by our office today.

Keep Your Coppell-Area Home Protected

There are so many homeowner policies available to residents in the Coppell area; it can be challenging to determine which one is adequate for your needs. It’s essential to understand all of the options that are available before settling on the one that’s right for your family home. There are many differences between primary and comprehensive policies, and it’s vital to opt for the policy that meets your needs. If you are looking to review your policy, or are looking to buy your first home, be sure to do your homework when it comes to choosing your policy. Working with a local agent is another way to ensure that your coverage provides the protection that you and your family need.

Cutting corners when it comes to choosing a homeowner’s policy can be a difficult pill to swallow if a catastrophe occurs. Insurance is something that we never want to use, but having the proper coverage can make it easier to weather many storms.

The team at David King Insurance Services, LLC is here to help you with all of your insurance needs. If you are a resident in the greater Coppell, TX area, call or stop by today and learn more about the options that are available for homeowner policies in our community.