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David King Insurance Services LLC

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

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Texas Insurance Blog

Will Life Insurance Assist Me in Retirement?

Retirement planning is important to ensure we enjoy financial security throughout our golden years. Unfortunately, sometimes our plans go awry, and we find ourselves needing more finances than we might have planned for. While your Coppell, TX life insurance policy might have been designed as protection for your loved ones, it can also serve as your own protection in retirement. 

How You Can Leverage Your Life Insurance Policy for Your Retirement

Here at David King Insurance Services LLC, we are proud to work with clients throughout Texas to help them get the best life insurance policies for their needs. These policies typically payout after the policyholder’s death, with that money going to cover final expenses and offer financial support to loved ones. However, you can leverage your own life insurance policy during retirement if you find yourself needing a safety net.

If you have a permanent life insurance policy, you can either opt to take what is called the surrender value or make a cash withdrawal for a set amount. The surrender option means fully ending your life insurance policy and choosing instead an accumulated payout for the term you have paid. This does mean that the life insurance coverage ends, but in return, you can get a sizeable sum that may see you throughout your retirement.

The second option, if available in your permanent life policy, is to make a lower amount of cash withdrawal. This withdrawal has the benefit of coming to you tax-free, but it does mean that your death benefit will be reduced. This is a good choice if you find yourself just needing extra money in the short term. 

Learn More With David King Insurance Services LLC

Whatever your Coppell, TX life insurance goals, our team at David King Insurance Services LLC is here to assist. Contact one of our friendly team members today to get started. 

Can Renter’s Insurance Cover Replacing Stolen Belongings?

For first-time renters and long-time renters, our agents at David King Insurance Services LLC in Coppell, TX are happy to answer every question under the sun about renter’s insurance. One of the biggest questions our team hears about renter’s insurance revolves around whether renter’s insurance covers replacing stolen valuables. If you’ve experienced a theft in your apartment unit, you probably don’t want to worry about how you’ll cover the items you lost. 

If you own some particularly valuable or sentimental items like family antiques or entertainment sets, you should figure out how you might replace them in the event of theft before the event happens. There’s no such thing as being too prepared, especially when disaster could strike at any time.

Can Renter’s Insurance Cover Stolen Belongings’ Replacement?

While every policy has its own terms and limits, most renter’s insurance policies cover at least some stolen belongings. For very valuable or large items like televisions, furniture, and expensive jewelry. 

Depending on the terms of your policy, you may not be able to cover everything that’s been stolen. You’ll need to pay your deductible before you can receive funds for the stolen items. For example, if you have a $2,000 television set that was stolen and your deductible is $1,000, you’ll have to pay your deductible, and then you can receive a check to help cover the stolen items based on the limits of your policy.

Since terms and limits can differ between policies, it’s best to check with an agent at our office before assuming that you’ll have coverage for specific instances.

We Are Here To Help

To protect the precious belongings in your rental unit, call our office at David King Insurance Services LLC in Coppell, TX to learn more about our renter’s insurance policies today!

Is RV Insurance Required in Texas?

If you own an RV and cannot wait to head out on your first trip, there is one thing you need to do first, and that is to secure a proper amount of RV insurance. The agents at David King Insurance Services LLC serving the Coppell, TX area want you to know that in the state of Texas, you must at least have a liability insurance policy in place to be able to legally drive on public roads. This rule applies to all drivers and all vehicles, including Recreational Vehicles (RVs).

There are a variety of coverage options you can choose from when it comes to RV insurance:

Uninsured and Underinsured Motorist Insurance

This type of insurance will help you repair your beautiful RV if it is damaged in an accident that is caused by a motorist that does not have insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

Comprehensive insurance is a very important part of an insurance policy for NRV. This is because it will cover your home away from home if it is damaged by a natural disaster or if a fire breaks out. Also, if someone vandalizes your RV or steals it, your comprehensive insurance policy will help you to repair or replace it.

Collision Insurance

It is not always easy to back an RV up into the camping spot, which means you may collide with an inanimate object. You can also collide with another vehicle, but you will be covered by this type of insurance coverage option. This means you can get your RV repaired and be able to pay for any damage you caused to whatever you collided with.

Contact Us Today

To create the best RV insurance policy for you and your beautiful camper, call upon the experienced and trusted agents at David King Insurance Services LLC serving the Coppell, TX area today!

Is RV Insurance Required in Texas?

If you own an RV and cannot wait to head out on your first trip, there is one thing you need to do first, and that is to secure a proper amount of RV insurance. The agents at David King Insurance Services LLC serving the Coppell, TX area want you to know that in the state of Texas, you must at least have a liability insurance policy in place to be able to legally drive on public roads. This rule applies to all drivers and all vehicles, including Recreational Vehicles (RVs).

There are a variety of coverage options you can choose from when it comes to RV insurance:

Uninsured and Underinsured Motorist Insurance

This type of insurance will help you repair your beautiful RV if it is damaged in an accident that is caused by a motorist that does not have insurance or does not have an adequate amount of insurance.

Comprehensive Insurance

Comprehensive insurance is a very important part of an insurance policy for NRV. This is because it will cover your home away from home if it is damaged by a natural disaster or if a fire breaks out. Also, if someone vandalizes your RV or steals it, your comprehensive insurance policy will help you to repair or replace it.

Collision Insurance

It is not always easy to back an RV up into the camping spot, which means you may collide with an inanimate object. You can also collide with another vehicle, but you will be covered by this type of insurance coverage option. This means you can get your RV repaired and be able to pay for any damage you caused to whatever you collided with.

Contact Us Today

To create the best RV insurance policy for you and your beautiful camper, call upon the experienced and trusted agents at David King Insurance Services LLC serving the Coppell, TX area today!

How Seasonal Changes Affect Your Boat Insurance Needs

Boating enthusiasts in Coppell, TX know that the joys of spending time on the water can be affected by seasonal changes. As the weather shifts, so do the needs of boat owners, particularly when it comes to insurance. David King Insurance Services LLC is here to help you navigate these changes and ensure that your boat insurance coverage is tailored to your needs throughout the year.

How Seasonal Changes Affect Your Boat Insurance Needs

During the warmer months, boat owners in Coppell, TX are more likely to be out on the water, enjoying the sunshine and good times with friends and family. With increased usage comes a higher risk of accidents and incidents, making it essential to have adequate boat insurance coverage during this period. Regularly reviewing your policy with David King Insurance Services LLC will help you stay protected during peak boating season.

As the temperature drops and the boating season winds down, many boat owners choose to store their vessels for the winter. Off-season storage comes with its own set of risks, such as damage from weather-related events, theft, or vandalism. It’s crucial to ensure that your boat insurance policy covers these potential hazards during the off-season. Adjustments to your coverage may be necessary to account for the unique risks associated with storage.

Seasonal changes also offer an opportunity to reassess your boat insurance needs. As your circumstances evolve, you may find that you need to increase or decrease your coverage, add or remove specific endorsements, or make other adjustments to your policy.

Reach Out To Us

Whether you’re enjoying the water during the warmer months or preparing for off-season storage, David King Insurance Services LLC in Coppell, TX is dedicated to helping you find the right insurance solutions for your unique situation. Contact us today to discuss your boat insurance needs and discover how we can help you stay protected all year long.

Add-Ons for Your Motorcycle Coverage

As a motorcyclist in the Coppell, TX, area, you know it is essential to ensure your bike is adequately insured. While basic coverage is a great start, you may consider adding extra insurance protection for yourself and your motorcycle. Here are some of the most critical policies from David King Insurance Services LLC you should consider.

Add-Ons for Your Motorcycle Coverage

Roadside Assistance Add-On 

Breakdowns are often inconvenient and expensive. Adding roadside assistance coverage to your motorcycle policy is a great idea. This add-on coverage will help pay for services like flat tire changes, jumpstarts, fuel delivery, and tow services—all of which could happen while riding a bike. 

Custom Parts & Equipment Coverage Add-On 

If you’ve invested money into customizing your ride, you may consider getting an add-on specifically designed for custom parts and equipment coverage. This type of add-on helps cover extra costs associated with replacing or repairing any custom bike parts damaged or stolen during an accident or other incident. 

Uninsured/Underinsured Motorist Protection Add-On  

Ensuring uninsured/underinsured motorist protection is essential for motorcycles and all vehicles. In case someone without insurance causes an accident involving your bike in the Coppell TX, area, this add-on covers damages up to the limits set by the policyholder on their policy. 

Additions like these might not be required by law, but they are recommended if you’re looking for additional protection while on the road.

Contact Us Today

No matter what kind of motorcycle you own and ride around Coppell, TX, having the correct type of insurance coverage will give you peace of mind knowing that your bike is protected no matter what happens down the line. To ensure you get all the necessary protections and learn more about the various add-ons our David King Insurance Services LLC representatives can help you with!

When is it helpful to have umbrella insurance in Texas?

Those that are living in or around the Coppell, TX area should always ensure they are supported by proper personal insurance policies and plans. One type of insurance all people here need to get is umbrella insurance, which is a personal liability plan.

There are many different situations when it can be helpful to get this coverage:

When you Want Broad Coverage

The first situation when it would be a good idea to get an umbrella insurance plan is when you want to have broad coverage. If you have home or auto coverage, you will have some liability insurance. However, these policies are somewhat limited regarding the situations they will cover. If you have an umbrella insurance policy, you will have broader support that can protect you in various scenarios. 

Support for Sizable Claim

It is also a good idea to get an umbrella insurance plan so you can receive support for sizable claims. There will always be a chance that a liability claim fits under your home or auto plan but exceeds the coverage amount. If this happens, you will benefit from having an umbrella insurance plan as it will give coverage once you have exhausted the support in your base plans. 

Contact Us Today

If you are in or around the Coppell TX area, you should confirm that you are offsetting your various personal liability risks. One great way that you can do this is by getting an umbrella insurance plan. When you are looking for this coverage here, you can call our team at David King Insurance Services LLC to learn more. When you call us at David King Insurance Services LLC, you can receive the personalized support that you need to build an ideal policy for your situation. 

How Much Flood Insurance Do I Need in Texas?

Wondering how much flood insurance you need in Texas? Licensed insurance agents at David King Insurance Services LLC in Coppell, TX can provide you with a free quote!

What is Flood Insurance? 

Flood insurance is a form of property insurance that covers losses and damage caused by floods.

Why You Need Flood Insurance in Texas

The Texas Department of Insurance reports that less than 20% of Texans are covered by flood insurance. This is a meager number considering that some coastal areas, towns, and mortgage lenders require residents to purchase homeowners insurance and flood insurance as part of their homebuying agreement.

Most homeowners and rental insurance policies will NOT cover the costs of repairs from water damage and flooding. People who live in high-risk flood zones should protect their homes, property, and finances by investing in an adequate flood insurance policy.

High-Risk Flood zones 

If you live along the Texas coastline or in other flood-prone areas of the state, you probably already know how important it is to get flood insurance to protect your property.

In addition, new residents and homeowners who live in coastal Texas and other flood-prone areas get flood insurance as a measure to safeguard against financial loss or ruin in the case of a natural disaster like a typhoon or hurricane. 

Heavy Rains and Natural Disasters

Flash flooding from heavy rains and coastal storms like hurricanes can cause devastating property damage.

Get flood insurance to protect your home and finances in Texas.

Give Us A Call

When you need to buy flood insurance, you can learn about affordable rates and available coverage options when you talk to a licensed insurance agent at David King Insurance Services LLC in Coppell, TX.

Do you need to have motorcycle insurance in Texas?

Being a motorcycle owner is a good idea for a lot of people in the Coppell, TX area. When you are a motorcycle owner in this part of Texas, it will provide you with a fun and efficient way to get around the town. The warm weather for most of the year also makes it a practical transportation option.

If you want to buy a motorcycle, you also need to get insurance as it is required and necessary for various reasons:

State Law

An important reason to have motorcycle insurance is to ensure you are in compliance with the law in Texas. If you want to use any type of vehicle in this state, you will need to have liability insurance. This coverage will provide support if you have caused an accident. If you are caught operating a motorcycle without a proper motorcycle insurance plan, you can be penalized. 

Cover Your Motorcycle

It is also a good idea to have a motorcycle insurance plan to ensure your motorcycle is covered. Buying a motorcycle will always come with a big investment and is something that you want to ensure you can use for a long time. If you continue to maintain a motorcycle plan, it will provide all of the support that you need to replace or repair the asset if you incur a loss from theft or damage. 

Contact Us Today

If you are in the Coppell, TX area, you will want to know that your motorcycle is appropriately insured at all times. A great company to call when you are looking for motorcycle insurance plans is David King Insurance Services LLC. There are a lot of important choices to make when you are looking for coverage and David King Insurance Services LLC can help you evaluate a plan that meets your needs. 

The Comprehensive Guide to Boat Insurance

To learn more about the best boat insurance for your needs, get in touch with our insurance experts at David King Insurance Services LLC serving the greater Coppell, TX community.

Here we provide you with a guide on the basics of boat insurance:

What is Boat Insurance?

Boat insurance is a type of insurance that covers the cost of damage or loss to your boat, as well as personal injury or property damage.

Why Do People Get Boat Insurance in Texas?

One of the main reasons to get boat insurance is if your vessel is subject to marine laws and regulations issued by the state.

Marine laws and regulations in Texas may require certain boat owners to carry insurance before venturing out onto the open water in a personal boat or even a private charter.

A licensed boat insurance agent is the best resource to help boat owners choose the best options to protect their water-based investments.

Comprehensive Marine Coverage

Boat owners rely on their boats for transportation, recreation, and fishing. If your boat were to become damaged or destroyed while underinsured, you may find yourself out of luck financially.

Buying comprehensive marine coverage will help protect both your financial interests and those important aspects of your recreational lifestyle.

Where to Buy Boat Insurance in Texas?

Get in touch with us at David King Insurance Services, LLC in Coppell. TX to get help finding a reputable policy. There are several carriers that offer comprehensive marine insurance coverage. We will take the guesswork out of your research and help you find the right policy for your needs.

Contact Us Today

Our experienced insurance agents can talk to you about the benefits of boat insurance and how to choose the best boat insurance coverage. Contact us to get a boat insurance quote today!

Why Work With Us?

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