Diversified Insurance Service Blog

How Cell Phone Insurance Works

Posted by Zach Emly on Wed, Jan 11, 2017 @ 11:01 AM

People often wonder whether cell phone insurance is worth the money. Some purchase it just in case, while others choose not to purchase it because they do not understand whether they need it or not. 

Cell phone insurance can save someone hundreds of dollars on buying a new phone but it can also be a pain in the butt for those who do not properly understand it. 

The purpose of this blog is simple. To help you understand how cell phone insurance works so that you can decide for yourself whether it is worth your money or not. 

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Topics: cell phone insurance

No insurance coverage for sink hole victims in Fraser Michigan

Posted by Mark Reilly on Tue, Jan 3, 2017 @ 14:01 PM



I feel the Earth Move Under My Feet!

...So goes the famous Carole King lyrics (click here to listen). But how about the real life consequences of the earth moving under your feet, does your homeowner’s policy cover for things like earthquake, sinkholes, and collapses? 

National news has been covering the loss to the suburban Detroit neighborhood homes being swallowed up by the earth. This morning I was driving to the office and listening to the morning drive program on Detroit’s WJR radio. The talking heads were bashing the insurance industry because there is no coverage under the home policy for the loss that is happening with this neighborhood being devastated by the sinkhole eating their homes.

How can that be? How can my homeowner’s policy not offer protection for something like this?  Well the typical home insurance contract does have coverage limitations and exclusions. There are similar limitations with a business policy. These limitations and exclusions are part of the insurance contract for a number of reasons but there are still ways around the exclusions.

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Topics: earthquake insurance, Fraser, Michigan sink hole

Trip Cancellation Insurance for Severe Weather

Posted by Zach Emly on Wed, Dec 21, 2016 @ 10:12 AM

Traveling in the winter time is always a gamble. I live in Northern Ohio, so we understand that no trip is certain. Public transit can get shut down, airplanes can be grounded, and snow storms can leave your family trapped in a hotel room. 

When bad weather strikes like this, it can ruin your vacation and leave a hole in your wallet. 

Trip cancellation insurance can help you overcome ruined plans giving you the confidence to schedule a trip when the weather could be questionable. 

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Topics: travel insurance

Best way to Buy Cheap Car Insurance for Teachers

Posted by Zach Emly on Wed, Dec 7, 2016 @ 21:12 PM

It is no secret that teaching can be financially challenging at times. Insurance is important but often times the price over shadows the need. 

Car insurance is often seen as just another expense and often times the cheapest policy is the one purchased. Unfortunately many who buy cheap insurance regret their decision later. However, it is possible for teachers to purchase insurance in an affordable way without the risk of buying a bad policy. 

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Topics: insurance for teachers

Event Cancellation Insurance

Posted by Zach Emly on Wed, Nov 30, 2016 @ 12:11 PM

If you have planned an event before, you are probably aware that not everything is going to go as planned. Unfortunately, the weather, illnesses and sometimes even the guests can cause you to cancel or postpone the event. 

Regardless of the reason for the cancellation, you will still be responsible for non refundable deposits and expenses of the event. To recover the lost money or to have enough money to reschedule the event, you will likely need event cancellation insurance.

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Topics: event insurance

Condo Rental Insurance

Posted by Zach Emly on Fri, Nov 18, 2016 @ 15:11 PM

Insurance for renting a condo is necessary because accidents happen.

A guest can damage property or furniture. Mother nature can damage the building and in some cases damage the property inside. A fire can occur damaging everything inside. Someone could clumsily injure themselves inside and sue the owner and renter. 

Without insurance you will have no protection against these incidents that you have no control over. Both the condo owners and those renting the condo need insurance.

This blog will help identify what type of insurance is necessary for both the condo owners and renters. 

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Topics: renters insurance, condo insurance

Teachers Home Insurance Done Right

Posted by Zach Emly on Thu, Nov 10, 2016 @ 20:11 PM

It is suggested that everyone has some type of home or renters insurance. Teachers are no different. If a fire burns your home, or high winds damage your roof it only makes sense to have insurance in place to rebuild.

Purchasing insurance is the easy part. Finding a policy you will not regret later takes a little bit of effort.

In this blog post we will show the areas to focus on so that teachers can purchase the best homeowners insurance for your life. 

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Topics: insurance for teachers

Do you need Umbrella Insurance?

Posted by Zach Emly on Sat, Oct 29, 2016 @ 13:10 PM

An umbrella insurance policy provides you with added protection for your home and auto policies. It is designed to come into play if an incident exceeds your normal policy limits.

It is not an everyday situation that you would need excess limits but if an incident of this proportion would happen, it could cost your family their savings, retirement and even your home. 

We know you do not want to waste your money on something you do not need but we also know you want to ensure your family, assets and future well being is property protected. This blog will answer the necessary questions for you to determine whether umbrella insurance is right or not. 

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Topics: homeowners insurance, umbrella insurance

Learn About Petplan Pet Insurance

Posted by Zach Emly on Tue, Oct 18, 2016 @ 12:10 PM


Petplan pet insurance is one of the most popular policies to protect your pet. No one enjoys paying vet bills and we all want to be prepared if something ever happened to one of our beloved pets but you also want to be an informed consumer. 

You likely have questions about coverage, whether Petplan is the right fit or whether pet insurance is even right for you.

This blog will not give you a yes or a no, but will help provide all the information you need to help you decide and will even show you where to buy if you are ready.

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Topics: pet insurance

Full Coverage Auto Insurance

Posted by Zach Emly on Wed, Oct 12, 2016 @ 12:10 PM

Insurance companies talk a lot about full coverage auto insurance, but does the average consumer even know what that means?

On the surface it sounds like an total encompassing policy but in reality there is no such thing. That's right, there is no such thing as a full coverage auto insurance policy. Companies use it because it sounds good and it helps the buyer better explain what they are trying to buy. 

Using this term is not all bad though, it can actually help you get the best auto insurance coverage for your vehicles. 

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Topics: auto insurance, car insurance

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