Diversified Insurance Service Blog

What does homeowners insurance cover?

Posted by Zach Emly on Wed, Jan 28, 2015 @ 06:01 AM


Homeowners insurance covers your personal property, the home itself, financial litigation due to and vehicles you have stored on your property. While many common damages are covered, it is not a "one policy covers all" plan. There are various plans that cover your home and property differently. Some plans cover more than others, some give special coverage, and some are more affordable. When asking "what does homeowners insurance cover" you must first understand what makes up a policy.

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Start 2015 Right – Inventory EVERYTHING for Free

Posted by Brigid Osovich on Fri, Jan 16, 2015 @ 12:01 PM

If tragedy hit your home like a natural disaster, fire or burglary, would you be able to remember all your personal possessions? Every single item you own? Most importantly, would you be able to provide these details to your insurance company? The likeliness is no. Conducting a home inventory can save precious time during the emotional aftermath of a disaster when filing a claim. Which can done as a Diversified Customer by using the Diversified Phone Service Phone App, CSR2 (the 24/7/365 website), or by calling our 24/7/365 Emergency Phone Number ((800) 848-2788). We at Diversified try and make a terrible time for you as easy as possible to get the claim submitted and completed. A home inventory itemizes all your belongings — from the high-price items such as TVs and electronics and jewelry to the more mundane items, such as bedding and Knick Knacks.

The purpose of a home inventory is to help:

  • get your claim settled faster
  • verify losses for your income tax return
  • purchase the correct amount of insurance
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Topics: ReadyLife

Information on tax penalty and exemption for health coverage for 2015

Posted by Zach Emly on Tue, Jan 13, 2015 @ 10:01 AM

Most people must have health coverage or they will pay a fee (also known as “the penalty,” the “individual shared responsibility payment,” or the “individual mandate”). Under some circumstances, you won’t have to make the payment.This blog post will help you understand the necessary health coverage required, consequences for not having it, and who does not require coverage. 

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Topics: health coverage

How does 15 min save you 15% or more on car insurance?

Posted by Zach Emly on Fri, Jan 9, 2015 @ 09:01 AM

15 minutes can save you 15% or more on car insurance," everyone knows that by now right? We've heard the commercials again and again, whether in the car or on tv, but how valid are these claims? If you switch to Geico today will you be sure to save? 

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Topics: car insurance

Should You Buy Laptop Insurance

Posted by Zach Emly on Thu, Jan 1, 2015 @ 12:01 PM

The last thing anyone wants to think about when they buy a new laptop is having to replace it. While it's not a fun idea it is definitely good to think about. Laptop insurance is a way to replace your laptop if something goes wrong but you should make sure that it is worth it for you to have. This blog post will highlight what is covered so that you can determine for yourself whether it is worth it.

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Engagement Ring Insurance

Posted by Zach Emly on Wed, Dec 10, 2014 @ 19:12 PM

There is nothing as horrifying as a damaged engagement ring or someone stealing it from you. Engagement ring insurance will not prevent a bad situation from occurring but it will give you the peace of mind that everything will be ok. 

This blog will talk about difference ways to insure your rings, what is actually covered and costs of insurance.  While this information will be useful in finding the right solution the best thing to do is contact an agent. You can simply tell them what you are looking for and they will find a solutions that fits best. But for now, let's learn more about this.

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Using Telemedicine to Save on Health Care Costs

Posted by Zach Emly on Wed, Dec 3, 2014 @ 19:12 PM

Many benefits for our lives have come from technology and one of the most recent is telemedicine (or telehealth). Not only is this a convenient way to stay healthy, but for some it is a way to save money on common trips to the doctor. This blog will explain in more detail what this actually is and how it could save you money.

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Topics: telemedicine, telehealth

Using Lay-up insurance to save money on stored vehicles

Posted by Zach Emly on Wed, Nov 19, 2014 @ 19:11 PM

During season changes, many individuals store their vehicles that will no longer be used. While many keep their insurance policy the same, others choose to have layup coverage which allows them to save money on their insurance premiums.

Lay-up insurance is mainly used on seasonal vehicles like motorcycles and boats but it can be used for pretty much any vehicles that is decommissioned for part of the year. 


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What to do now that Open Enrollment for Health Coverage has Started

Posted by Zach Emly on Sat, Nov 15, 2014 @ 14:11 PM

Even though this is not the first year that the Affordable Care Act has been in place, many are still uncertain of what to do. There are many options which makes things even more confusing plus the help is sometimes limited. This blog post will help you know your options and help you in your health insurance enrollment process.

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Your Medicare Options Simplified

Posted by Zach Emly on Tue, Nov 11, 2014 @ 18:11 PM


With all of the Medicare options available, finding the right one can be hard. Once you get close to age 65, you get inundated with information. Your mailbox gets flooded, you begin noticing all the commercials on the television and you may even get a call from your neighborhood agent. Through all the noise, how do you choose the best option?

This blog post is NOT going to tell you exactly what option to choose but it will help you understand your options by simplifying all the information you are currently receiving. 

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