dgo_insurance

01/16/2026

Kicking off the new year right.

01/16/2025

FAQ:

Customer - Do I only need coverage for my mechanic shop for vehicle damages that I take possession of?

Response: As a mechanic shop owner, General Liability Insurance is crucial to protect your business from various risks: Property damages, bodily injury, and legal expenses are the main protection offered under a GL policy. Other key optional  coverages includes, NON-OWNED AUTO LIABILITY (garage keeper) & Business personal property.

Disclaimer: All information posted is merely for educational and informational purposes . It is not intended as a substitute for professional advice. Should you decide to act upon any information on this website, you do so at your own risk. You should speak to your trusted insurance Agent/broker for guidance.

08/18/2024

12/16/2023

FAQ:

I couldn’t find homeowners insurance, so  my lender placed insurance on my home .I should be well protected, right?

Answer: A force-placed insurance(Lender-placed) policy is put in place by the lender to keep the property owner insured when an insurance policy lapses due to failure to pay, failure to pay on time or failure to sign a renewal on time. lender-placed insurance serves as a viable solution; it protects the financial interests of lenders. Those protections are limited for the borrower and can be costly .

Disclaimer: All information posted is merely for educational and informational purposes . It is not intended as a substitute for professional advice. Should you decide to act upon any information on this website, you do so at your own risk. You should speak to your trusted insurance agent/broker for guidance.

12/08/2023

Q&A:Why do I need a 4 point inspection prior to my property coverage approval by the carrier?
Answer:
Depending on where you live and the age of the home could trigger the insurance carrier to request a 4 point inspection.This is common with properties located in high risk locations but can be required by any insurer before providing coverage.
A 4-point inspection is a specialized assessment typically conducted by an inspector to evaluate the condition of four essential components of a property:

Electrical system

HVAC (Heating, Ventilation, and Air Conditioning) system

Plumbing system

Roof

The inspection aims to assess the safety, functionality, and potential risks associated with these key areas to determine the property's eligibility for insurance coverage. It helps insurers make informed decisions about coverage options and premium rates based on the property's overall condition.

Disclaimer: All information posted is merely for educational and informational purposes . It is not intended as a substitute for professional advice. Should you decide to act upon any information on this website, you do so at your own risk. You should speak to your trusted insurance Agent/broker for guidance.

08/14/2023

Ultimate Guide to Saving on Homeowners’ Insurance

05/23/2023

Check out what's new at DGO. We now have exclusive! Car warranty programs. Our goal is to protect your assets and offer you the best coverage at affordable pricing. Check out our new car warranties, which can not be purchased at the dealership.  Better Coverage, Better Pricing, Unlimited Mileage Allowed, Unlimited Term Allowed, Age 12 yrs& 200k mileage or less. Ability to service anywhere in the USA, and there's much more. Copy & paste the link below or click on my the website link to my bio for a quick quote in less than 2 minutes.

https://dgoinsurance.com/

04/05/2023

Protect Your Home From Hazards this Spring. A few tips to mitigate loss & claims:
1. Check Kitchen and Bathroom Caulk
To mitigate water damage, keep an eye on the caulk around your home. Over time, the caulk in your bathroom and kitchen can deteriorate, producing cracks.  
2. Clean out the Dryer Lint Hose
Lint can easily clog the hose on your dryer, even if you meticulously clean it from the lint trap. Dryer lint is extremely flammable, and a single spark can ignite this material.
3. Change Detector Batteries
Approximately twice a year, exchange old batteries for new ones.
4. Remove Build-up Drain Build-up Plunging, snaking, and hot water can restore your drains as well.
5. Replace Air Filter To prolong the life of your HVAC system, periodically install fresh filters.
6. Inspect Weather Stripping on Windows and Doors
Frigid temperatures can wear on the weather stripping of window and door frames.
7. Clear out Gutters
Clogged gutters and downspouts can impair the exterior of your house.
8. Look Over the Roof and Siding
Harsh weather can compromise your roof and siding. While you’re cleaning your gutters, appraise the outside of your house for damages. If you spot areas of sagging or any missing shingles, fix the issue or call a professional.
9. Repair the Driveway and Sidewalks
An uneven walking area can be a tripping hazard on your property. Investigate for developing cracks and holes in your sidewalk, and patch up.
10. Investigate the Porch and Deck
Loose nails and unfastened railings can turn hazardous, so fix any vulnerable areas to bolster your home’s safety.

01/21/2023

FAQ: I have been a caregiver privately for several years and I’m afraid if I have an error doing my job, I will not be protected.

Answer: Anytime you take on the responsibility of providing a service for compensation, you are exposed to liability due to an error/negligence.  It's important to protect yourself or your company with General Liability & Professional Liability: Helps protect businesses from a wide range of risks associated with in-home caregiver/companion work, including medical and legal costs. General Liability covers risks including allegations by a third party of bodily or physical injury or damage to their property.

 

 

Disclaimer: All information posted is merely for educational and informational purposes. It is not intended as a substitute for professional advice. Should you decide to act upon any information on this website, you do so at your own risk. You should speak to your trusted insurance Agent/broker for guidance.

11/16/2022

Thank you for getting me the right coverage. I now realize how much coverage I really needed.