Understanding the Difference Between Personal and Commercial Umbrella Policies

Posted on January 30, 2026January 14, 2026 by admin

Umbrella insurance provides essential liability protection, but choosing between personal and commercial coverage can be confusing. At DGIA, LLC, serving Round Rock, TX, we help clients understand which type of umbrella policy best protects their specific needs and situations.

Personal Umbrella Coverage Basics

Personal umbrella policies protect individuals and families from liability claims that exceed their standard homeowners or auto insurance limits. This coverage applies to incidents like car accidents where you’re at fault, accidents on your property, or even certain legal claims like libel or slander.

Personal umbrella insurance typically covers activities related to your personal life, including recreational activities, volunteer work, and rental properties you own for investment purposes. The coverage follows you wherever you go and protects your personal assets like your home, savings, and future earnings from potential lawsuits.

Commercial Umbrella Protection

Commercial umbrella policies protect businesses from liability exposures that go beyond their general liability, professional liability, or commercial auto insurance limits. These policies cover business-related incidents, employee actions, product liability claims, and other commercial risks that could result in expensive lawsuits.

Business umbrella coverage is essential for protecting company assets, business income, and personal assets of business owners in certain situations. The coverage amounts are typically much higher than personal policies because commercial liability exposures can be significantly greater.

Choosing the Right Protection

Some people need both personal and commercial umbrella coverage if they own businesses while maintaining separate personal assets and activities. The key is matching your coverage to your specific risk exposures and asset protection needs. Contact DGIA, LLC, serving Round Rock, TX, to evaluate your situation and determine which umbrella coverage options provide the most appropriate protection for your circumstances.

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.

What Outdoor Elements Will Flood Insurance Cover?

Posted on November 28, 2025November 19, 2025 by admin

Home insurance doesn’t cover flood damage, which is why a separate flood insurance policy is so important. When you invest in a flood policy, you’re primarily focused on guaranteeing that you’ll receive coverage to replace your home if it’s destroyed in a flood. But your home is more than just the structure of the house. Everything that is outside your property matters as well. This raises the question: What exactly will flood insurance cover outside your home, if anything? Here’s what you should consider when purchasing flood insurance for the most comprehensive coverage. When you’re ready to shop around for flood coverage, come to us at DGIA LLC, serving Round Rock, TX.

What Outdoor Elements Does Flood Insurance Cover?

It’s important to know up front that your standard flood insurance policy won’t cover most of what is located outside of the structure of your home. Of course, there are exceptions to this rule. Certain detached dwellings may be covered by your flood insurance policy. However, you will need to review your policy more closely to understand what it specifically offers. It may cover components of your property that are especially crucial, including things like fuel tanks, solar panels, and well tanks and pumps. Beyond that, your flood insurance won’t protect much of your landscaping or other outdoor structures and items. The good news? You can always purchase additional insurance to make sure that these elements of your home are covered.

Shop Flood Insurance With DGIA LLC

Do you live in an area that’s prone to flooding, heavy rainfall or dry spells followed by heavy rains? All these weather patterns can create flood risks, even if you live outside a flood zone. At DGIA LLC, serving Round Rock, TX, we’ll explain your flood insurance options in plain language and streamline the flood insurance buying process. Contact us to compare quotes for you to keep your property protected, no matter the weather.

Do You Need an HO-6 Insurance Policy for Your Condo?

Posted on October 31, 2025October 23, 2025 by admin

For residents in Round Rock, TX, who need information about condo insurance, call us at DGIA LLC with your questions. While condo insurance is not required by the state for individuals, it is recommended to protect your assets. The exception to having your own insurance is if you have financed the purchase of the condo, or if the condo association requires you to carry insurance. We’ll be happy to go over what your association’s master policy does and doesn’t cover.

What Is an HO-6 Insurance Policy?

For condo owners, an HO-6 policy is like having a homeowner’s policy. While your condo association’s master policy covers the exterior structure and community areas, such as hallways and lobby areas, it does not cover your personal belongings.

Condo Coverage

With an HO-6 policy, you are protecting the items inside of your residence, such as your clothing, electronics, and appliances.

You will likely want to have visitors to your home. If an incident occurs that results in an injury to the visitor or their property is damaged while they are in your home, your condo policy will cover the resulting medical expenses and legal fees.

If an event occurs that prevents you from living in your condo, you will have access to loss of use coverage for storage, moving, and temporary housing.

Interior areas and items, such as built-in appliances, fixtures, and floors that are not covered by the association’s master policy, are covered by your HO-6 policy.

Contact Us

Sleep tight and stress free with an HO-6 policy designed to keep your personal belongings, plus the interior of your Round Rock, TX, condo protected. With a call to DGIA LLC, we’ll get the paperwork started whenever you’re ready.

Life Insurance Coverage Considerations For Stay at Home Parents

Posted on September 30, 2025September 24, 2025 by admin

When people think about life insurance, they often picture it as something primarily for the breadwinner who earns a paycheck. However, stay-at-home parents contribute just as much, though their efforts are not always measured in dollars. Childcare, cooking, household management, and keeping the family schedule on track all add up to significant responsibilities. Replacing these tasks, should the unthinkable happen, would be both challenging and costly.

The Value Beyond Income

While a stay-at-home parent may not earn a salary, the work they do saves a family thousands of dollars each year. Consider the cost of full-time childcare, transportation to and from school, and the constant attention children require throughout the day. Life insurance through DGIA LLC, serving Round Rock, TX, helps ensure these needs would still be met, allowing children to maintain stability and routine even during a time of loss.

Covering More Than Basics

Life insurance coverage for a stay-at-home parent isn’t just about paying for childcare. It can also provide funds for counseling, home maintenance, or educational support for the children. Families often underestimate the many roles one parent fulfills—teacher, caregiver, organizer—and how difficult it would be to take on all those responsibilities at once.

Choosing the Right Protection

When determining coverage amounts, it’s essential to consider the number of years children will require daily care and guidance. Policies can be customized to match those needs, whether through term life insurance for a specific number of years or permanent coverage for long-term security.

A stay-at-home parent’s value is measured in love, time, and dedication. Life insurance ensures that if tragedy strikes, the family can continue moving forward with the necessary support in place. It’s a promise of care and protection when it’s needed most. Contact DGIA LLC, serving Round Rock, TX, for assistance with your life insurance needs.