How much insurance do I actually need?
This is one of the most common questions clients ask, and the answer depends on several factors:
Auto Insurance
Minimum Coverage: Texas law requires minimum liability insurance, but this may not be enough to cover the cost of major accidents. Our agents can help you with the legal requirements for your state.
Recommended Coverage: Experts often suggest carrying higher liability limits, collision coverage (to cover your car), and comprehensive coverage (for non-accident damages like theft or hail).
Homeowners Insurance
Dwelling Coverage: Make sure your policy covers the full replacement cost of your home in case of a total loss.
Add-Ons: Consider endorsements for flood insurance or additional coverage for high-value items like jewelry or art.
Business Insurance:
Commercial Liability: Protects against lawsuits and damages related to your business.
Commercial Auto: If you use vehicles for work, make sure they’re insured under a commercial policy.
Tip: It’s better to slightly over-insure than under-insure to avoid significant out-of-pocket costs during unexpected events.
Need more answers?
Insurance doesn’t have to be overwhelming. Whether you’re looking for auto insurance in Dallas, homeowners insurance in Texas, specialized coastal coverage, or one of our many other types of coverage offered, MIS Insurance is here to help. Contact us today for personalized advice and quotes from top-rated providers.