Protect Against Financial Loss With Quality Coverage Plans

Auto Insurance

Auto insurance is one of the most common types of insurance policies around the world. Although most countries require that car owners buy this type of insurance, some car owners do not understand what is covered.

DNA Spencer Insurance Agency makes it easy and affordable for the residents of Dallas and the DFW Metroplex area to purchase car insurance. Contact us today for a quote in Texas.

Bodily Injury Coverage

In case you are involved in an accident and are found to be at fault, you will be required to pay the other party for damages. Bodily injury coverage will help you to meet any expenses that the other party may have endured.

This coverage includes medical expenses, pain, and suffering as well as lost wages. If the other party sues for further damages, your insurance policy will cover the legal expenses.

Property Damage Coverage

Auto accidents are often associated with the destruction of property. Such destruction of property may be associated with a vehicle or property belonging to a third party. Your insurance coverage will help you to meet the costs of repairing the vehicle as well as damages to property such as fence and wall damage.

Just like with bodily injury coverage, you will also be protected if the other party sues you for further damages.

Collision Coverage

Comprehensive Coverage

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Home Insurance

Constructing or buying a home is an exciting experience and one of the most important steps in life. With the huge investment that goes into the activity, it is important to protect your investment.

This is why DNA Spencer Insurance Agency strives to ensure quality policies for the residents of Dallas and the surrounding DFW Metroplex. If you want to get a quote for the different types of home insurance in Texas, do not hesitate to reach out to us.

Buildings Insurance

Additional Living Expenses

Contents Insurance

Mortgages

Most lenders require that borrowers have insurance coverage for their homes before taking a mortgage loan. The coverage helps to protect the lender in case the borrower defaults on payment.

Experts at DNA Spencer Insurance Agency can help you to choose the best insurance coverage for your needs. Wherever you live in Dallas or the DFW Metroplex area, get in touch with us for expert guidance on how to purchase insurance in Texas.

Also, try our online rating tool to get quotes for your home and auto policies.

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Commercial Insurance

One of the most reliable ways of ensuring long-term growth is by mitigating risk while protecting the investment. Commercial insurance is designed to ensure that businesses do not suffer even after encountering financial losses.

These losses may be covered because the insurance coverage will meet any unexpected costs and compensate you for the loss. At DNA Spencer Insurance Agency, we help people who are looking to buy insurance in Texas.

Business Interruption Insurance

Vehicle Insurance

Property Insurance

Plant and Machine Protection

Just like the business premises, machines are assets through which the business produces goods. Plant and machine insurance will meet the costs of replacing your machines so that your business goes back to normalcy.

DNA Spencer Insurance Agency has earned a reputation for providing reliable insurance policies to the residents of Dallas and the DFW Metroplex area. Wherever you are in Texas, we will ensure that you get the most suitable commercial insurance coverage for your circumstances.

Reach out to us to learn more about commercial insurance and how your business can benefit from a policy.

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Renters Insurance

When you rent a home or an apartment, it is the responsibility of the landlord to purchase insurance for the physical structure. However, you are responsible for protecting your personal belongings from theft or damage. At DNA Spencer Insurance Agency, we help the residents of Texas to access renters insurance.

Replacement Cost of the Items

Protection for your Car

Liability Coverage

Temporary Housing

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Motorcycle Insurance

All drivers in the state of Texas are required to provide proof of financial responsibility for any traffic accidents they may become involved in. For most drivers, meeting this requirement involves purchasing liability insurance.

If you want to drive a motorcycle in Farmers Branch, Dallas or the DFW Metroplex area, chances are you will need to buy liability insurance to ensure that you abide by the laws of Texas.

Like auto insurance, a motorcycle policy will protect your ride and your health. A large number of accidents involve motorcyclists every year because of the negligence of drivers not seeing riders on the road. A motorcycle insurance policy helps you cover these expenses in the case of an accident.

How to Establish Financial Responsibility

Undoubtedly, the vast majority of motorcycle drivers establish their financial responsibility by buying an insurance policy for motorcycles. However, this is not your sole option.

Here are some of the things that Texas will accept when it comes to proving financial responsibility.

A deposit in securities, cashier's check, or cash made to the county judge or county comptroller.
A vehicle liability insurance policy from an insurance provider that is state-licensed.
Surety bonds filed with a county clerk. Two people must be included in the bond. Both people must have real property in the state of Texas.
Self-insurance certification from the TxDOT. This option is usually limited to dealers. To qualify for this option, you need to own more than 25 cars.

What Is Considered a Motorcycle?

Statutes in the state of Texas are very specific about what is considered a motorcycle. According to Texas law, a motorcycle is a motorized vehicle with no more than three wheels. A motorcycle possesses a saddle for the driver.

When it comes to insurance requirements, registration, and titling, motorcycles are considered in the same category as passenger vehicles.

On the other hand, a moped is a motorized vehicle that cannot go faster than 30 miles per hour. A moped has an HP that is no greater than 2 and a CSS displacement no greater than 49.

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Flood Insurance

The National Weather Service has ranked Texas as one of the most flood-prone regions in the United States. While the government of Texas and its partners have been working tirelessly to improve their flood control measures, like making sure the state’s levees are in good condition, the risk of floods still exists.

It is because of these risks that the state is always encouraging its population to buy a flood insurance policy. Most home insurance policies do not cover the risks of flooding and this may be the only way to protect your property from damage.

Floods represent the number one natural disaster in Texas, and regardless of where you reside, it is never a bad idea to invest in a flood insurance policy.

When Are You Required to Have Flood Insurance in Texas?

The requirements include:

If you are a homeowner and your home is located in an area considered to be a special flood hazard area, you will be required to buy an insurance policy.
If your business premises or house is located in a designated flood zone and is considered to be a high-risk zone, it is mandatory that you get a flood insurance policy for the building. In some cities, buildings in low-risk areas are required to have the policy also.
If you have a mortgage on a property in Texas, your lender may demand that you have the Insurance policy.
As flood zone maps are being updated, many homes are finding themselves in designated flood zones. This re-mapping means you shall be required to get an insurance policy.

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Additional Coverage Options

Boat/Watercraft Insurance
Recreational Insurance
Umbrella Insurance
Condo Insurance

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