How Umbrella Insurance Helps Cover Legal Costs and Fees

Posted on December 31, 2025December 12, 2025 by admin

Having an umbrella insurance policy provides peace of mind and a sense of financial security when faced with legal woes and lawsuits. With standard insurance policies, there are often liability limitations, which can set you back if you’re not prepared financially. At DGIA, LLC, serving Round Rock, TX, we assist clients with determining if umbrella insurance is the right choice for them.

Why Legal Protection Is Important

Everyday situations can lead to costly lawsuits. Some instances include:

A serious auto accident where you’re found at fault and medical injuries are present
Someone slipping and falling on your property
Property damage caused by a pet or even a child in your home
Accident harm caused during community activities or volunteering

Umbrella Insurance Covers Legal Fees Beyond Standard Policy Limits

One of the most appealing aspects of umbrella insurance is it can sit atop existing homeowners, vehicle insurance, and other insurance policies you currently have to your name. If you’re sued for bodily injury or property damage, your underlying policy may not be adequate to cover the costs of any injuries sustained or property damage done. Once you’ve reached the limit of a standard policy, umbrella insurance can help with:

Court costs
Attorney fees
Expert witness fees
Settlement amounts
Judgments ordered by a court of law

The right policy can be a life-saver when you need it most.

Whether you want to protect more of your home, vehicles, or additional investments you’ve made, you can often do so with the right umbrella insurance policy. At DGIA, LLC, we’ll work with you to help find an umbrella policy that is worth your time and investment. To learn more about your options when selecting an umbrella insurance policy in or near Round Rock, TX, contact us directly today for your consultation.

How Umbrella Insurance Protects You From Social Media Liability

Posted on February 28, 2025February 25, 2025 by admin

Social media has become an integral part of everyday life. Whether you share personal updates, express opinions, or engage with others online, your words can have real-life consequences. Many people don’t realize that a simple post, comment, or even a shared article can lead to legal trouble. At DGIA LLC in Round Rock, TX, we want to help you understand how umbrella insurance can protect you from the unexpected risks associated with social media use.

The Hidden Risks of Social Media

It’s easy to assume that what you post online remains harmless, but defamation lawsuits are becoming more common. If someone believes a post you made damaged their reputation, they could sue for libel. Even sharing a misleading article or commenting negatively about a business could lead to legal action. Parents may also be held responsible for what their children post online, especially if it involves bullying or harassment.

How Umbrella Insurance Provides Protection

A standard homeowners’ or renters’ insurance policy may offer some liability coverage, but it often has limits. Umbrella insurance steps in when those limits are exceeded, providing extra financial protection if you’re sued for defamation, slander, or other legal claims related to social media activity. This coverage can help pay for legal fees, settlements, and other costs that might otherwise create a serious financial burden.

Stay Protected in the Digital Age

In a world where social media can lead to unexpected legal trouble, umbrella insurance offers an extra layer of security. DGIA LLC in Round Rock, TX is here to help you find the right coverage to protect yourself and your family. Contact us today to learn more about how umbrella insurance can give you peace of mind.

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.

Does umbrella insurance replace my other policies?

Posted on June 15, 2023June 13, 2023 by admin

Umbrella insurance from DGIA, LLC is a great way to add an extra layer of protection for your finances and legal liability. But does umbrella insurance replace other policies here in the Round Rock, TX area?

The short answer is no, but it can supplement them in many ways.

Umbrella insurance does not take the place of auto, home, or health insurance as those cover specific incidents that occur within their policy limits. Instead, umbrella insurance provides additional coverage if the limits of other policies are exceeded. For example, if you were found legally liable for an accident causing more than $1 million in damages but only had a $100,000 auto policy limit, then your umbrella policy would kick in to cover the remaining costs up to its limit.

Umbrella insurance also covers certain lawsuits and legal fees which your other policies may not include; such as libel or slander lawsuits. In addition, umbrella insurance often covers events that aren’t included in most standard policies like false arrest, invasion of privacy, and malicious prosecution.

Overall, while umbrella insurance cannot replace traditional policies like auto and home insurance, it provides a much-needed buffer to protect your financial interests from unexpected expenses that could be beyond the scope of other coverage plans. That’s why having a good umbrella insurance policy is so important for anyone who has assets to protect.

We Are Here To Help

If you’re considering purchasing an umbrella policy, it’s wise to review your existing policies and speak to an experienced insurance professional. So give us at DGIA, LLC a call today. We are proud to serve the Round Rock, TX area and would be happy to help you find a policy that not only meets your needs but your budget as well.