Diversified Insurance Service Blog

Do you need Homeowners Insurance

Posted by Zach Emly on Wed, May 24, 2017 @ 19:05 PM

Many people in different places in life wonder if they need homeowners insurance. It could be someone buying their first home, a retired couple, someone who has inherited their home free of debt or someone who has no mortgage and is wondering about self insuring. 

In order to know your need for homeowners insurance, you must look at your current situation.

This article is going to discuss the different needs for homeowners insurance so you can determine whether a policy is right for you.

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Topics: homeowners insurance

How much is Boat Insurance

Posted by Zach Emly on Mon, May 15, 2017 @ 12:05 PM

Boat insurance can costs vary from boat to boat and owner to owner. Boat insurance can cost less than $100 a year for some but for others can cost $1000+ for the year. 

There are many factors that go into boat insurance costs such as the type of boat, the size, the usage rate, and even the company you choose. 

In this post, we will help you understand what goes into boat insurance costs and also help you to find ways to save money on insurance.

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Topics: boat insurance, boat insurance costs

Do you need insurance for a motorcycle

Posted by Zach Emly on Sat, May 6, 2017 @ 13:05 PM

I hope you are reading this article before you have purchased your motorcycle because most states do require you to have insurance on your motorcycle. It is not just a legal requirement in most states but it is a very good idea.

Not only can an accident cause you to lose your motorcycle but you could also be sued if you injure another person or damage their vehicle/property.

To help you better understand what is at risk and what you need, we will explore the possible insurance solutions in this article. 

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Topics: motorcycle insurance

What is Spouse Life Insurance

Posted by Zach Emly on Sat, Apr 29, 2017 @ 07:04 AM


Most families with life insurance get insurance on the bread winner only. At first glance this makes sense because if the bread winner passes away, the rest of the family will need the income to survive. 

However, most people do not think about what will happen if the non bread winning spouse passes away. Spouse life insurance is a policy that covers the financial burden that will occur if the non bread winning spouse passes away.

In this article we are going to talk about financial factors you may have not even thought about. Ultimately we want you to be educated on what spouse life insurance is so that you can make an informed decision on whether your family needs it or not.

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Topics: life insurance

You are going to pay more for Auto Insurance and it's probably all your fault

Posted by Mark Reilly on Wed, Apr 19, 2017 @ 20:04 PM


With a title like that I am sure to get a few people to take me off their Christmas card list. But we get calls all of the time form our clients who get their renewal and want to know why it is going up when they did not have tickets or claims. We also get calls from clients who have both tickets and losses. They are a little easier to explain it to. But for the “good drivers,” it is a little more challenging. But here goes!

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Topics: auto insurance

Connected Homes and Vehicles can save you Money on Insurance

Posted by Zach Emly on Mon, Apr 17, 2017 @ 18:04 PM


The integration of technology has led to smart homes and smart vehicles. These connectivity between your electronic devices and your home is allowing for safer and more responsible living. 

Many companies are beginning to see these benefits and are creating discount programs that will allow you to save money by utilizing these connections. 

This post is going to discuss a couple of these program and how they can help you save money.

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Topics: insurance discounts

What is uninsured and underinsured motorists coverage

Posted by Zach Emly on Wed, Apr 5, 2017 @ 22:04 PM


Auto insurance is designed to protect a driver who is at fault in an accident. If someone hits your car then their insurance will cover the damages. 

But what about if that person did not have enough insurance or worst yet, no insurance? Your insurance company would state that the other driver was the responsible party and will likely not pay your damages. Yes you could attempt to sue but this can be a lengthy process and there is no guarantee how much money you will even receive from the driver. 

The easiest way to protect yourself is to have uninsured and underinsured motorists coverage.

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Topics: auto insurance, auto insurance coverage, uninsured motorist coverage

How to know if your Home has the Right Amount of Insurance

Posted by Zach Emly on Wed, Mar 22, 2017 @ 12:03 PM

Knowing how much homeowners insurance you need can be tough at first. You do not want to be under insured and risk taking large losses on your home but then again you do not want too much insurance and pay more than you need to. 

Seeking out these answers is a wise decision especially for someone buying their first home or who has a suspicion their insurance is not accurately set. This is not something you really want to wait and see if it is right. 

In this article we are going to help you understand how much homeowners insurance you need on your home and the best way to ensure your insurance amounts are accurate.

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Topics: homeowners insurance

How Much Does Flood Insurance Cost

Posted by Zach Emly on Sat, Mar 11, 2017 @ 14:03 PM

When people are deciding on flood insurance, price is often a big deciding factor (unless they are required to purchase and have no choice). What most people want is just a peek at costs to decide whether or not it is worth it for them, but there are many factors that will decide costs from one person to the next. 

As you explore how much flood insurance will cost you, it is important to take all the aspects into consideration. Even if you have looked into flood insurance in the past, the information you received previously may be different. 

Review this entire post to get the full spectrum of what flood insurance costs.  

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Topics: flood insurance

Rain Insurance for Events

Posted by Zach Emly on Thu, Feb 23, 2017 @ 21:02 PM


No event is outside of Mother Nature's jurisdiction. Weddings, bat mitzvahs, memorial services, religious ceremonies, private parties, etc... No event is safe from potential rain storms. 

Rain itself is not too bad but when there is too much of it or when it threatens to drowned out your event then it becomes a problem. You quickly discover that everything you have planned and much of what you have invest for the event gets washed down the drain. Unless of course you have rain insurance for your events. 

This article will give you easy to understand insights into rain insurance for events, allowing you to properly protect yourself no matter the weather. 

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Topics: event insurance

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