How Many Policies Can Umbrella Insurance Sit On Top Of?

Posted on April 30, 2024May 2, 2024 by admin

Are you the type of person who wants to be sure you have top-tier protection from life’s worst-case scenarios? If that is the case, you may want to consider umbrella insurance. There are many in the Round Rock, TX, area, and abroad that consider umbrella insurance to be extremely smart. The concept makes a lot of sense, and our team at DGIA, LLC can help walk you through all the intricacies of such a policy. When thinking about umbrella insurance, though, do you need it for each policy? How much umbrella insurance can you sit on top of?

Umbrella Insurance and Blanket Coverage

Umbrella insurance is unique in the way it is set up. It is a type of insurance policy that is going to carry a limit that goes above and beyond what you have on your underlying policies.

With just one umbrella insurance policy, you can have it cover things such as liability, property, worker’s compensation, etc. The umbrella policy and its limit will be able to sit on top of the underlying limits of all other policies you already own.

Blanket Additional Coverage

The great thing about umbrella insurance is its blanket additional coverage. The trick is to formulate an attachment point on your umbrella policy so you have no gap between your underlying limits and when they kick in. At that point, it is a matter of deciding on the proper limit on your umbrella to have the top-tier protection you seek. Professionals serving the Round Rock, TX area, our team at DGIA, LLC is here to help you understand your options and make an informed buying decision.

Three Ways to Reduce the Risk of Flood Damage

Posted on March 29, 2024March 28, 2024 by admin

Floods pose a significant risk to homes, potentially causing extensive damage that can result in lost personal possessions, damaged walls and floors, and even mold growth. While it’s impossible to eliminate the risk of flooding completely, there are practical steps homeowners in Round Rock, TX can take to mitigate the impact. Here are three ways you can reduce the potential damage floods could cause to your home.

1. Elevate Electronics

One of the first lines of defense against flood damage is elevating and securing items. At the same time, you might put everything you can in your home higher up when there’s a risk of flooding. It’s especially important to do this with electronics. Elevate all electronic devices to the second floor or place them on furniture if they must remain on the first floor. It is also crucial to unplug these devices. This strategy should extend to other valuable items, but prioritizing electronics is beneficial.

2. Install Foundation Vents

Improving your home’s foundation to allow water to flow through rather than accumulate around it can greatly reduce the risk of flood damage. Foundation vents might not prevent flooding entirely, but they might significantly reduce the water level within your home.

3. Invest in Flood Insurance

Despite all precautions, some flood risks cannot be entirely mitigated. That’s where flood insurance becomes invaluable. Standard homeowners’ insurance policies typically don’t cover flood damage, making investing in a separate flood insurance policy essential. In areas like Round Rock, TX, where the weather can be unpredictable, flood insurance ensures that you’re protected should a flood occur.

Get Help Finding Flood Insurance

At DGIA LLC, we can help you select flood insurance that will protect your house and your possessions well. Contact us today for help finding a policy.

Condo Insurance Coverage for Natural Disasters

Posted on February 28, 2024February 26, 2024 by admin

Condo Protection Against Unforeseen Weather Events

Are your condo and its belongings shielded from unpredictable weather conditions? If not, you need to secure additional insurance coverage. Take stock of your valuables that could be exposed to damage, and then connect with an agent in Round Rock, TX, for a consultation.

Floor Coverings

Inclement weather could wreak havoc on your condo’s floor coverings. It’s a good idea to consider getting insurance for pricey coverings or floor types that would be hard to replace. Record flooring dimensions and the flooring type within each room. This information can guide you in adding the appropriate floor products to your policy.

Windows and Window Treatments

Windows and window treatments that you’ve purchased for your condo should also be insured. They can be lost or damaged in the course of a natural calamity. Keep track of your investment in glass panes, blinds, shades, and other window items to decide on a suitable insurance coverage amount for these possessions.

Patio Equipment and Furnishings

If your condo boasts a patio, you might own furniture and equipment on it that could benefit from insurance coverage. After inspecting your patio and noting down all items worthy of insurance coverage, make the necessary modifications to your policy.

Contact DGIA LLC

Our agents at DGIA LLC are ready to assist you. After reviewing your condo insurance policy, they’ll make necessary changes reflecting the coverage needs for the assessed items.

Life Insurance that Fits

Posted on January 22, 2024January 25, 2024 by admin

No two people lead or live the same life. That also means that everyone has different goals, needs, and plans when it comes to life insurance, which is also why people from all over the Round Rock, TX area turn to DGIA LLC for all their life insurance needs, and for life insurance that fits.

Life Insurance that Fits

Trying to figure out the right insurance plan for you and your family requires considering more than a few factors, and those factors are as unique as you are, which is why it is important to get life insurance that fits your needs, goals, and plans.

Deciding on which plan, what type of policy, and coverage amounts, for example, is where the expertise of professional and friendly agents, like those at DGIA LLC can help. From what you and your family need to what to consider, there are help and solutions for people looking for the right life insurance plan.

What to Consider When Choosing Life Insurance

A good agent will take the time to help you understand what types of life insurance plans are available to you and help you choose the right plan for you and your family. That also makes finding an agency like DGIA LLC that can help with all of your insurance needs an important part of choosing the right life insurance plan.

As we age, live, and go through life, our needs and situations change. That can also mean that our life insurance needs and goals might change. Our team can help you be better prepared for those changes.

Schedule A Consultation Today

Contact the team at DGIA LLC and find out why your friends, neighbors, and folks from all around Round Rock, TX rely on us for all their life insurance solutions.

What are the Three Things You Should Consider When Buying Auto Insurance?

Posted on December 19, 2023January 2, 2024 by admin

Every auto insurance policy issued in Round Rock, TX is unique. While many factors go into buying auto insurance, drivers should consider three prime ones when settling on coverage. DGIA, LLC can take the confusion out of auto insurance with its comprehensive services.

Your Auto Policy Should Reflect Needs and Budget

The three most important things you should consider when looking for an auto insurance policy are the vehicle you own, your priorities, and your budget. Insurance premiums can vary over time, so understanding how your choices fit into selecting a policy and coverage is essential. When evaluating these three factors, also ask yourself the following questions:

How much do I drive?
Do I use my auto for work?
Where do I live and park my vehicle?
Will anyone else drive it?
Is the auto financed or leased?
How much do I love my vehicle?

You’ll need to get minimum liability coverage to drive legally in Texas. However, we recommend getting coverage significantly higher than the minimum to protect your interests. A bare-bones policy can cost you considerably more money in the long run if you are in a major accident.

How Your Budget Influences Your Policy

If you have a brand-new or new-to-you vehicle, you’ll most likely want to get as much collision and comprehensive coverage as possible to pay for any damages if you are involved in an accident. The age of your vehicle, your driving record, and your credit score all affect how much your premium is.

The agents at DGIA, LLC, serving Round Rock, TX, will gladly help you determine policy limits that will fit your budget and cover your needs. Contact our office today to discuss your concerns and learn how affordable an auto insurance policy can be.

Building Your Business’ Commercial Insurance Policy

Posted on November 20, 2023November 21, 2023 by admin

When you call DGIA LLC about a commercial insurance policy for your Round Rock, TX business, we will ask in detail about your business. We aren’t nosy; we want to provide you with the ideal policy that covers only what you need. That proves important because commercial insurance continues to grow in diversity as new industries develop.

Massive Diversity in Commercial Insurance

The vast diversity in commercial insurance spans more than 25 common coverage types. Which ones each business needs differ. That’s why buying a commercial insurance policy requires a consultation with an insurance agent – so the business receives exactly the needed coverage. This process saves money by avoiding unneeded options.

For example, doctors need malpractice insurance, but dance studio owners need glass insurance. A pizza place that delivers needs commercial auto insurance, but a retail store with an older heating system needs boiler insurance. Each business needs commercial liability because people visit its place of business.

Which Coverages Do You Need?

Your business needs custom coverage to protect it from financial risk and loss. Many small and mid-sized businesses qualify for a business owners’ policy (BOP) that includes the four most common coverage types in one package for a lower premium than purchasing them separately. We can help corporations with their business needs, too, just not with a BOP.

Contact Us Today

Don’t let your business go without the coverage it needs. Contact DGIA LLC, serving Round Rock, TX for the policy package that best suits your business. Our comprehensive interview reveals the insurance your business needs, and we can efficiently build a package that ideally suits your business needs.

Can Classic Car Insurance Cover Repairs and Upgrades?

Posted on October 20, 2023November 1, 2023 by admin

When you think of classic car insurance, you may think about how it can protect your classic or exotic vehicle from theft, liability, and other concerns that most classic car coverage addresses. Sometimes, when clients approach our office at DGIA LLC in Round Rock. TX, they have a limited view of how classic car insurance could help them protect their vehicle and cover expenses associated with owning a classic, luxury, or modified vehicle. While every insurance policy has terms and conditions that are unique to that coverage, you can ask our team about options for covering repairs and upgrades on your classic car.

Can Classic Car Insurance Cover Repairs and Upgrades?

Even though each policy has terms, limits, and conditions that vary, it’s safe to say that some classic car coverage could provide coverage for repairs and upgrades. Although your specific policy might not have this feature, there may be policies out there that could provide this coverage if you ask about it. A basic classic car policy probably won’t offer this type of coverage if it only offers the absolute bare minimum. Still, you may be able to tack on additional coverage to prepare for situations where you wouldn’t be able to cover a repair or upgrade.

Some policies might only cover repairs while others might only offer coverage for upgrades, so it’s important to communicate with the insurance agent or professional who works with you to determine where your policy’s limitations may lie. If parts were stolen, you might be eligible for coverage for replacements. Depending on your specific policy, you might also be able to cover original parts instead of aftermarket ones.

For details about our classic car policies, call DGIA LLC in Round Rock, TX!

Does my renters insurance protect me if someone gets hurt while visiting my apartment?

Posted on September 22, 2023October 3, 2023 by admin

You probably think of your renters insurance as protection for your furniture and other belongings. If there is a fire, theft, or other event that causes your property to be lost or damaged, renters insurance will probably help you recover from that loss.

Liability Protection for Visitors

Renters insurance has another important benefit. If someone is injured on your Round Rock, TX property, and it is determined to be your fault, your insurance will help to take care of that person’s injuries. At DGIA LLC, we want to help you understand how renters insurance can help you when there is an accident.

It can be frightening when someone is injured, and a lawsuit will be the last thing on your mind. Your first priority will be making sure that the injured party gets the help they need so they can start the road to recovery.

When the accident is your fault, your insurance will pay up to your policy benefits for the medical bills of the injured person. That includes medications, follow-up treatments, and even legal fees if your visitor decides to sue you. You are only responsible for paying your deductible before your insurance starts paying on the claim.

Limitations On Liability Protection

Unfortunately, this protection does not extend to anyone who is living in your home. If you or a family member are injured, you will probably need to use regular health insurance to pay for your medical bills.

Reach Out To Us

If you live in or around Round Rock, TX, DGIA LLC can help with all your renters’ insurance needs. If you have any questions or want to make sure you have enough coverage, please feel free to call today.

What kinds of extra protection can I get for my motorcycle?

Posted on August 24, 2023September 11, 2023 by admin

Just like automobile drivers, anyone operating a motorcycle in Texas must have basic liability coverage. Round Rock, TX is a great place to ride a motorcycle, as there are opportunities all throughout the year to experience the weather and the seemingly endless miles of roads with beautiful scenery. This is a great area for ready access to both nature and everything you want to experience in the city.

Hoover, you still need to make sure you have adequate protection. Anyone can be in an accident, and at DGIA LLC, we want to make sure you have the protection you need ahead of time.

What Is Covered Under the Minimum Policy?

Some people think they can save money by purchasing the least expensive insurance, but this will often leave them without the coverage they need. The minimum legal policy only requires liability coverage, which would pay out to a victim if you caused an accident.

However, medical bills often exceed those amounts. The minimum requirements also do not cover any kind of damages.

What Other Kinds of Protection Can You Get?

Speak with your agent about whether you really feel comfortable with the smallest amount of coverage. Also, discuss other ways you may be vulnerable. For instance, extra coverage will help protect you in these circumstances:

When the other driver doesn’t have insurance or doesn’t have enough insurance, your uninsured/underinsured policy will help cover you.
Collision coverage protects you if you are at fault.
Comprehensive coverage steps in for other kinds of damage, like weather-related incidents or vandalism.

Those aren’t the only kinds of hazards you may face. At DGIA LLC, we want to make sure you have peace of mind by getting the protection you need to ride in Round Rock, TX. Call today to see what we have to offer!

Four rules to follow when you buy boat insurance

Posted on July 21, 2023July 21, 2023 by admin

If you’re looking for boat insurance in Round Rock, TX, we can come to your assistance. DGIA LLC is an insurance provider that can meet your boat insurance needs.

There are a few important rules that boat owners should follow when they buy insurance.

The following are four rules to follow when you buy boat insurance:

Choose an agreed-value policy

You can choose whether you buy an agreed value policy or an actual value policy. Agreed value policies are ideal because they ensure that you’ll be compensated for a certain amount in the event of a total loss. This way, you won’t be compensated less because your boat has gone down in value as a result of depreciation.

Be aware of the boat insurance requirements you must meet

Boat owners are often required by their boat loan lender or marina to have boat insurance. You need to know how much coverage you’re required to have to make sure that you’re meeting the rules of your lender or marina.

Buy added liability coverage

Investing in added liability coverage can really pay off. Liability expenses can be very high if you are held responsible for a boating accident. With added liability coverage, you can avoid having to pay expenses out of pocket.

Make sure you have total salvage coverage

Some boat owners overlook total salvage coverage when they buy boat insurance. If your boat gets wrecked, salvage coverage will pay to remove it from the water. This can be a significant expense, so you’ll definitely want to include coverage for 100 percent of salvage costs.

Reach Out To Us

When you buy boat insurance, you need to get policy quotes on insurance providers offering coverage in Round Rock, TX. Call us at DGIA LLC and we’ll give you a quote on a policy that will cover your boat.