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549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

Vacation Liability Insurance for Your Recreational Vehicle

Vacation liability insurance is an add-on insurance product that will protect you while your RV is parked at a campsite. Learn how this type of insurance works to limit your liability when physical damage or an injury occurs.

Standard Insurance

Your standard RV insurance policy is effective when you are driving on public roadways. It covers you if you are involved in a traffic accident and damage property or cause bodily harm.

However, a standard RV policy does not protect you when your vehicle is parked at a campsite. To acquire the protection you may need while vacationing, you should pursue the purchase of a vacation liability insurance add-on.

Insurance For Travelers

Vacation liability insurance is an add-on that is suited for travelers. It does not provide coverage for those who live year-round in an RV. An individual who lives in their RV permanently will need to acquire insurance designated for this type of living arrangement.

Liability Protection

Property damage and bodily injury can occur while your RV is parked at a designated campsite. If your recreational vehicle is parked next to other vehicles, you could be held liable for any damage or injury that is your fault.

If you acquire a vacation liability insurance add-on, it will cover the costs that are a direct result of property damage or injury.

Contact David King Insurance Services

Contact a David King Insurance Services LLC representative to acquire a vacation liability insurance add-on. One of our agents serving Coppell, TX, will help you choose a coverage amount that will provide enough protection while you are on vacation.

What advantages will come when I have a full boat/watercraft insurance plan?

Enjoying Summer Boating Safely in Coppell, TX With Insurance Plans

Investing in a watercraft or boat in the Coppell, TX area is an excellent way to capitalize on the long Texas summers. Insurance for your boat will ensure your summers remain carefree and protected. A boat insurance plan provides invaluable coverage in two main areas: asset protection and liability management.

Protecting Your Watercraft

In Texas, owning a boat is a significant investment due to the cost of purchasing and maintaining watercraft. Having the right boat insurance in place assures continued enjoyment of your asset. The ideal boat insurance plan provides the necessary support to replace or repair your boat under different circumstances.

Managing Liability

Another benefit of a boat insurance plan is the management of liability risks. You could be held responsible if an unforeseen accident occurs while using your boat. An adequate insurance plan covers these damages, ensuring comprehensive support.

Your Trusted Insurance Partner

If you’re in the Coppell, TX area and considering full boat insurance coverage, David King Insurance Services LLC is here to help. Our professionals will guide you properly, helping you assess your options and structure a new plan.

Three Great Reasons to Consider a Motorcycle Safety Course

Thrilling yet perilous, motorcycle riding promises an adrenaline rush, particularly for novice riders. Premier motorcycle insurance from David King Insurance Services LLC in Coppell, TX is your safety net in the event of an accident. New riders or those returning to riding after a hiatus should also consider a safety course to brush up on their riding skills. In this blog, we outline three compelling reasons for undertaking a motorcycle safety course before hitting the road.

A Legal Necessity

The state of Texas mandates that new riders aged 18 and above complete an MSF Basic Rider Course as a prerequisite for obtaining a motorcycle license. This requirement extends to riders with expired licenses. Riders migrating from other states are exempt from this requirement.

Fosters Safety and Defensive Riding Proficiency

Motorcycle safety courses navigate a broad spectrum of topics beneficial for novice riders. You can acquire knowledge on safety protocols, defensive riding skills, navigation techniques, and preventive riding strategies to safeguard against road accidents. Under controlled environments, you will learn to deftly handle your bike under challenging conditions such as slippery terrains and navigating safely through congested areas. Furthermore, riders will be briefed on motorcycle traffic laws in Texas to enhance roadway safety.

Avail Insurance Discounts

Successful completion of a motorcycle safety course may qualify you for a reduction in your insurance premiums. This is particularly advantageous for new motorcycle riders who incur higher insurance costs. You can save money by undertaking a safety course while becoming a more proficient and secure rider.

Discover more about motorbike safety advantages at David King Insurance Services LLC in Coppell, TX.

Quality Protection Through an Umbrella Insurance Policy

Achieve Comprehensive Protection with David King Insurance Services LLC

At David King Insurance Services LLC, we believe in safeguarding your precious possessions and ensuring your family’s overall security. If you are located in the Coppell, TX, area and are in need of a robust insurance solution, we’re here to assist. We offer comprehensive umbrella insurance policies, supplementing your existing home, auto, life, and business insurance policies.

Understanding Umbrella Insurance Coverage

Umbrella insurance provides a safety net by covering claims that exceed the limits of your existing insurance policies. For instance, if the loss from an incident involving your home or vehicle is higher than your current coverage limit, umbrella insurance helps protect you against substantial financial losses.

Does Everyone Need Umbrella Insurance?

Contrary to popular belief, umbrella insurance isn’t just for the affluent. It’s a robust coverage option for anyone seeking complete protection and peace of mind for the future. Regardless of your assets, an umbrella policy ensures you’re thoroughly safeguarded from unexpected loss scenarios.

Consult with Our Expert Agents

Our experienced insurance agents stand ready to help secure the best umbrella insurance policy to meet your requirements.

Contact Us Today for Umbrella Insurance Solutions

We invite you to reach out to our team at David King Insurance Services LLC if you’re located in Coppell, TX, and are in need of an umbrella insurance policy. Experience peace of mind knowing you have comprehensive insurance coverage while focusing on quality time with your family.

How Do I Know if I need Flood Insurance?

Flood insurance is often overlooked because it’s not covered in your standard homeowner’s policy. However, many people still need flood insurance. At David King Insurance Services LLC in Coppell, TX, we offer many types of insurance, including flood insurance. 

Are You Required to Have Flood Insurance?

Some people are required to have flood insurance. If you live in a high-risk flood zone and have a federally-backed mortgage, you are required to have flood insurance. 

If you’ve received disaster relief for your home or business in the past, you are also required to have flood insurance. 

Lastly, your lender may require you to have a flood policy, even if you don’t live in a high-risk flood area. 

Do I Need Flood Insurance?

If you aren’t required to have flood insurance, you may wonder if you need it. The answer is generally yes. 

Your homeowner’s policy doesn’t cover flooding, and flooding can occur anywhere, even if you don’t live in a flood-prone area. 

Federal relief is typically limited to disaster relief loans and grants which average $5,000 per household. This is not nearly enough to repair or replace your home if it’s seriously damaged by flooding. 

If you are in a high-risk flood zone, your chances of having a flood in a given year is 1%. Over 30 years, which is the average length of a mortgage, is 26%. Medium-risk flood zones have a risk between .1% to 1%. This may seem low, but when you consider your risk over 30 years, it’s still significant. Even areas with the lowest risk can flood. 

Schedule A Consultation Today

If you need flood insurance in Coppell, TX, contact us at David King Insurance Services LLC. Our experienced agents are here to meet all your insurance needs. 

How Do I Know if I need Flood Insurance?

Flood insurance is often overlooked because it’s not covered in your standard homeowner’s policy. However, many people still need flood insurance. At David King Insurance Services LLC in Coppell, TX, we offer many types of insurance, including flood insurance. 

Are You Required to Have Flood Insurance?

Some people are required to have flood insurance. If you live in a high-risk flood zone and have a federally-backed mortgage, you are required to have flood insurance. 

If you’ve received disaster relief for your home or business in the past, you are also required to have flood insurance. 

Lastly, your lender may require you to have a flood policy, even if you don’t live in a high-risk flood area. 

Do I Need Flood Insurance?

If you aren’t required to have flood insurance, you may wonder if you need it. The answer is generally yes. 

Your homeowner’s policy doesn’t cover flooding, and flooding can occur anywhere, even if you don’t live in a flood-prone area. 

Federal relief is typically limited to disaster relief loans and grants which average $5,000 per household. This is not nearly enough to repair or replace your home if it’s seriously damaged by flooding. 

If you are in a high-risk flood zone, your chances of having a flood in a given year is 1%. Over 30 years, which is the average length of a mortgage, is 26%. Medium-risk flood zones have a risk between .1% to 1%. This may seem low, but when you consider your risk over 30 years, it’s still significant. Even areas with the lowest risk can flood. 

Schedule A Consultation Today

If you need flood insurance in Coppell, TX, contact us at David King Insurance Services LLC. Our experienced agents are here to meet all your insurance needs. 

Taking Charge After A Motorcycle Accident

Motorcycle insurance coverage provides protection if you are involved in an accident. Use the following guidelines to report an accident and file an insurance claim.

Police Report

The accident needs to be documented. The local police need to be contacted. They will fill out paperwork that will serve as a record of the accident. This paperwork can be used to substantiate your insurance claim.

Reach Out To Your Insurance Agent

You should contact an insurance agent next. One of our agents at David King Insurance Services LLC, serving the greater Coppell, TX community, will ask you some questions about what occurred. We will outline the steps that will need to be taken to properly file your insurance claim.

Claims Paperwork

The agent who consults with you may request that you fill out some paperwork. You will be provided with a date and time to meet with the agent.

The paperwork will serve as proof of the motorcycle accident. These documents will be reviewed during the claims process.

Insurance Adjuster

An insurance adjuster will be assigned to review your case. They will inspect your motorcycle for signs of damage. The adjuster will fill out a report that contains information about their inspection. 

Followup Steps

You should stay in contact with your insurance agency throughout the claims process. Our Coppell, TX agents are trained to assist their clients with any questions or concerns they have about an insurance claim.

Consult With Us

Now that you have some basic information about the claims process, you may feel more confident about what to do if you are involved in an accident. For more information, reach out to us at David King Insurance Services LLC.

Boater Education: What You Need To Know

David King Insurance Services LLC serves Coppell, TX area boaters with all their insurance needs. According to Texas law, your teenager can operate a powerboat without supervision only if he or she has passed a boater education course that TPWD accepts. If you are boating with your family, maybe it’s time to get your teenager into boater education. 

What to Know Before You Go

 Your first step is to call the TPWD Law Enforcement division at 512-389-4846 and select option four on the phone menu. You’ll get in touch with a boater education specialist and be able to schedule a class. Fees start at $11 for a basic course. As Texas state law requires all children under 13 to wear a Coast Guard-approved life jacket, your child likely already has one. However, as your child is getting bigger, now is a good time to see if they need to go up a size. A life jacket is something that must always fit perfectly. 

If your teenager asks this, you could explain that the purpose of boater education is so that they can learn how to operate a boat safely. They will also learn boater etiquette. Remind them that they need a license if they want to buy their own boat someday.

Reach Out To Us

If you need boat insurance and live in or around Coppell, TX, please call David King Insurance Services LLC. We’re here to help. 

Raindrops Keep Falling on my Head

It’s called umbrella insurance because it covers everything. Your homeowners’ insurance, car insurance, and other policies have their limits. If there’s any spillover, umbrella insurance can cover that as well. Keep in mind that umbrella insurance is not completely identical to excess liability insurance. Where excess liability insurance provides you with higher limits on the liability coverage you already possess, many umbrella insurances give more coverage that your base insurance policies don’t include as well. 

How Umbrella Insurance Works 

Umbrella insurance can cover your legal fees if you are taken to court for slander, libel or personal attacks. If you are liable for damages that exceed what you are covered within liability coverage, umbrella insurance can take care of the excess. Umbrella insurance is good for taking care of lawsuits or claims such as false imprisonment, defamation, landlord liability, property damage, and cause of injury. 

Do You Need Umbrella Insurance?

Do you own property? Is there anything dangerous on your property? Is someone in your household an inexperienced driver? Are you a landlord? A public figure? Do you host a lot of parties? If so, the answer is probably "yes".

The Limits of Umbrella Insurance

Even umbrella insurance has its limits. It won’t cover your own injuries or damage to personal belongings. If you did something to break the law or breach a contract, you’re pretty much on your own. If you’re completely responsible for something, it’s on you. 

David King Insurance Services LLC Serving Coppell TX 

If you think umbrella insurance sounds like something you need, and you live in the Coppell, TX area, reach out to us at David King Insurance Services LLC. Our knowledgeable agents will help you through the process and see that you have everything you need. 

3 Important Tips to Get the Right Flood Insurance

Protecting your property is extremely important, and there are a lot of different ways you can do that. One of those is through having the right insurance policies, and that includes flood insurance. Even if you live in an area where flooding isn’t common, it can still take place, and that can cause serious damage to your home. If you’re in the Coppell, TX area, David King Insurance Services LLC can help.

Here’s how to get the right flood policy for your needs:

1. Work With a Trusted Insurance Agent

Working with a trusted agent is important when you’re looking for a good flood policy. That can make it easier to get your questions answered, and also help you focus on the best policy for your specific situation. You don’t want to just pick something, because it might not give you the level of coverage you really need to keep your home secure.

2. Compare Flood Policies From Different Insurers

When you work with an agent, they can help you compare flood policies from a few different insurers. That means you can see these policies all in one place, and you won’t have to spend a lot of time checking with individual companies. Your agent will also go over the options with you, giving you the ability to pick a policy with confidence.

3. Review Your Policy on an Annual Basis

Reviewing your policy at least once per year is the right choice. There could be important changes that need to be made, or you may want to update the policy in some way. A review can help you remain confident that you have the right coverage.

We Are Here To Help

If you’re in the Coppell, TX area and need flood insurance, reach out to us at David King Insurance Services LLC today. We can help you get the coverage and peace of mind you’re looking for.

Why Work With Us?

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