We offer a wide array of insurance products From business to personal. BOP, General liability, E&O, Workers compensation, Auto, Dwelling ,Homeowners, Boats, Motorcycles, RVs, Personal watercraft, Flood, Earthquake, Renters, Condominium, Life & Ancillary Group Benefits.
Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know. We enjoy an ongoing relationship with our clients, Constant contact keeps us in tune with our customers needs, which enables us to make any adjustment.
Why Do I Need Insurance?
The absence of an earning member in the family can make things very rough. An insurance policy will at least make sure that your family is financially supported in case of some unforeseen incident.
Why do I need an Independent Insurance Agent?
Working with an independent insurance agent can be compared to having a personal shopper. Similar to the way in which a real estate agent sorts through properties to help you find your ideal home, an insurance agent reviews many different insurance companies’ rates and coverage options to help you secure policies that best suit your needs. You may believe that this comes at an additional cost to you, but independent agents do not add extra charges to insurance companies’ rates. So you can choose to work with an independent agent, who will handle your coverage needs, assist you with claims reporting and answer any questions you may have, from billing issues to coverage concerns, always advocating on your behalf, at no additional cost to you.
Is it necessary to have Insurance because I'm a small business with only 1 or 2 employees?
Absolutely! The reality is, all businesses face risks that could be financially devastating without insurance protection. But no Business is entirely Immune to risks, which could include:
Do I need Insurance as a blogger?
once you become a publisher, you are no longer chatting with a neighbor across a backyard fence-you're publishing to potentially hundreds of millions. And once you take on that role, with it comes liability.
Why do I need Life Insurance when I have assets to leave for my heirs?
Insurance can be a way of securing that your debts are paid off if you die. If you die with debts and no way for your estate to pay them, your assets and everything you worked for may be lost and will not get passed on to someone you care about.
I'm Confused about my coverage?
No worries, doing a full analysis of your current financial situation is the best way to tailor products and solutions that best fit your needs.
I already made my premium payment so I have to wait until next year?
If you want to cancel outside the 14-day cooling off period, then you may be entitled to a refund of your premium. This would normally be subject to a pro-rata deduction based on the time you've been covered, and there may also be a cancellation fee.
Here are the challenges facing the insurance industry today that are contributing to increased costs(Inflation):
Housing material and labor costs have increased
Lumber and other construction materials have spiked in price due to less availability making the costs to repair and build homes more expensive. At the same time, we’ve also seen an increase in the cost of skilled labor and the construction industry is down about 200,000 skilled trade workers. These factors have likely increased your property insurance costs.
The chip shortage
A crucial component of cars built today, fewer available chips results in more expensive cars, and as the cost of cars rise, so does the cost to repair if an accident occurs.
Auto repair and labor costs have increased
With the chip shortage, more people are keeping their old cars on the road longer, needing more repairs. The increased demand for car parts combined with supply chain issues, are leading to inflated car part costs. Auto repair shops are also experiencing staffing shortages and increased labor costs which are also driving up the costs of repairs
Solution:
Insurance may be complicated and difficult for many customers, and one may need the help of a professional who will guide the customer in finding the best insurance policy as per their requirements. Insurance brokers are those who are alongside and updated about the latest alterations and developments in the insurance market. An insurance check-up, just like a doctor check-up is vital to making sure that your getting high quality coverage at favorable pricing. Call your Trusted broker to find out more insights and details.
Enroll in home essential protection today
How It works:
1) If a covered item breaks, call the
service provider of your choice.
2) Get it fixed and send Tend all the
paperwork.
3) Tend will reimburse all covered
repairs and replacements up to the
limits less the claim deductible.
(A 30-day wait to file claims applies.)
Covered System Annual Coverage
HVAC (2 systems) Up to $5000*
Appliances Up to $5000
Plumbing Up to $2500
Electrical Up to $2500
Additional Items Up to $2500
Total Up to $15000
Per Claim
Deductible $500 or $250
Monthly Price Annual Price
$31.99 $375
$38.99 $450
1: Contact your insurance company
2: Fill out the proper claim’s forms
3: Have an insurance adjuster inspect the damage
4: Make temporary repairs
5: Make a list of damaged personal property
6: Get estimates for repairs
7: Make repairs
8: Keep track of additional living expenses
When should I file a claim If my property is Damaged?
As a rule of thumb — bigger losses following a peril that damaged your property.
1-Significant Damage or a total loss-This is primarily what homeowners’ insurance is most useful for when your home suffers a loss so great after an unexpected incident that it becomes uninhabitable
Example-Disaster strikes, and part of your roof has caved in. The estimate for repair is $10,000 and your deductible is $1,000/2500. It would be prudent — and worth it — to file a homeowners claim with your insurance company to get it fixed.
When to try not to file a claim?
1- It's a maintenance issue or normal wear-and-tear or the cost to repair or replace does not exceed your deductible.
Example-If your roof or fence is already damaged and worn after years of neglect, and it collapses after a heavy snowfall, the insurance company will deny the claim because it could have been prevented had you kept up with maintaining your property.
Key thing to remember- Insurance companies run a report to see how frequent you’ve filed a claim or attempt to collect a claim within the past 3 years sometimes further- usually does not exceed 5 years.
Your premium may be affected by several factors. Insurers take your claims history into account when they decide what to charge for your premium, or whether they should even cover you at all. Statistically — whether for homeowners or car insurance — if you've previously filed a claim, you're more likely to file more claims in the future. For insurance companies, that's a risk they don't want to be responsible for even if you pay your premium every month. When you do need to file a claim, make sure to space them out as much as possible (Usually within the past 3 years).
At the end of the day, you pay a premium and that we all understand. The key advice is to make sure after a loss, you prevent further damage by taking proper safety measures to prevent extensive damage. Secondly, contacting an experience contractor to help facilitate a claim will provide more clarity when the Insurance adjuster arrives. Make sure to be prepared for their arrival by having any receipts or other pertinent information ready and if your contractor is present at the time, this will help provide more clarity. It is likely that they will interview you about the nature of the damage.
DGO Inc. is dedicated to providing comprehensive insurance solutions and exceptional white-glove service, empowering individuals and businesses to achieve peace of mind through tailored asset protection and future financial security. We leverage our deep industry expertise and commitment to needs-based analysis to redefine insurance standards and deliver unparalleled value."
Key improvements and rationale:
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Welcome! Check out what's new in the Insurance Industry. Our goal is to protect your assets and offer you the best coverage at an affordable pricing. Check out how you can protect your home & other assets. Paying off your mortgage & outstanding debts. Leaving a strong legacy for your family.