Auto Insurance Simplified

Posted on February 8, 2023February 8, 2023 by admin

Auto insurance can be a complex and confusing topic for many drivers. It’s important to understand what coverage you need and how it will protect you in case of an accident. DGIA, LLC – a leading insurance agency in Round Rock, TX – is here to simplify the process for you.

Auto Insurance Simplified

Auto insurance typically consists of several different types of coverage. Liability coverage is mandatory in most states and covers damage or injury you may cause to another driver or their property. Collision coverage covers damages to your own vehicle in case of an accident. Comprehensive coverage protects your vehicle from damages not caused by a collision, such as theft or weather damage. Personal injury protection and uninsured motorist coverage are also important options to consider.

At DGIA, LLC in Round Rock, TX, our experienced insurance agents can help you determine the right coverage for your needs. We understand that each driver is unique and will have different coverage requirements. Our agents will listen to your individual circumstances and help you select a policy that fits your specific needs and budget.

It’s also important to understand the cost of your auto insurance. Premiums are typically based on several factors such as your driving record, the type of car you drive, and the coverage you select. We can help you understand how these factors impact your premium and find ways to reduce your costs.

One simple way to save on auto insurance is to shop around. Different insurance companies offer different rates and discounts, so it’s important to compare quotes from several providers. We have access to multiple insurance carriers and can provide you with competitive quotes to ensure you are getting the best value for your coverage.

Contact Us Today

Auto insurance doesn’t have to be a complicated or confusing topic. DGIA, LLC in Round Rock, TX is here to simplify the process for you and help you understand the coverage you need to protect yourself and your vehicle. Contact us today to schedule a consultation and receive a quote for your auto insurance needs.

Commercial insurance that most companies can benefit from

Posted on January 16, 2023January 18, 2023 by admin

Businesses all over the country face an unsure future and risks every day of the year. The best you can do to help your business to survive is to make sure you know your risks and have the right commercial insurance to protect yourself as much as possible. Serving the greater Round Rock, TX community, DGIA LLC is an independent insurance agency that understands commercial insurance and will make sure you have what your business needs.

Commercial Property Insurance

Commercial property insurance can make all the difference between your business recovering from a covered peril and having to close its door. Even if you don’t own the building, there are major benefits that commercial property insurance provides. It covers the things that you use to do business. Depending on the type of business, there can be machines, display cases, appliances, inventory, raw materials, tools, and much more

Commercial Liability Insurance

Getting sued is one of the biggest dangers that most businesses face. One in three businesses gets sued in any given year, so chances are pretty good that you will be involved in legal action at some point. Between a judgment against you and legal fees, it could be enough to kill your business if you don’t have commercial liability insurance.

Workers Compensation

While the laws in Texas do not require workers’ compensation insurance, it is a benefit that your employee will appreciate, and it can save you as well.

Business Interruption Insurance

When your business is hit by a covered peril, your flow of income may come to a stop. Unfortunately, your bills will not stop. If you have business interruption insurance, it will provide the money you need to cover your bills and even salaries.

Give Us A Call

Contact DGIA LLC in Round Rock, TX to discuss the best options for commercial coverage.

What every new homeowner needs to know about home insurance

Posted on December 20, 2022December 20, 2022 by admin

When you buy your first home and have a mortgage, you will need to get home insurance for the first time. Home insurance is not one size fits all. Our team of expert insurance agents at DGIA LLC in Round Rock, TX understand that your policy needs to fit you, your home, and your financial situation.

Many coverage options have a deductible

If you file a claim with your home insurance carrier, the deductible will be taken out of the amount the insurance company pays you for your claim. It is on every individual claim, it is not a yearly deductible.

You choose your deductible

The amount of deductible you have on your policy is your option. It is usually somewhere between $500 and $2500 but can go as high as $5000.

You have choices when it comes to content coverage

Two options are available for content coverage. You can opt to have replacement cost or actual value. With the former, you will get enough to actually replace the items you have lost at today’s cost, and the actual value is what your items are worth today with depreciation.

Match your liability coverage to your assets

You can choose the amount of liability coverage that is right for you. If you have a lot of assets, you need more than if your home is all that you own.

Not everything is covered

All home insurance policies have exclusions. This includes floods, earthquakes, sinkholes, landslides, dangerous dogs, sewer backup, and owner neglect. Owner neglect includes mold, termites, rodent infestation, and wear and tear.

Some items have limits

If you have expensive jewelry or electronics, you probably need to get a rider to add to the limit on your policy.

Give Us A Call

Contact DGIA LLC in Round Rock, TX to discuss the best home insurance options for your new home.

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Auto Insurance Simplified