Diversified Insurance Service Blog

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

Should you have insurance if your home is paid off?

Posted by Zach Emly on Sat, Feb 11, 2017 @ 07:02 AM

Homeowners insurance is not a legal requirement. Often times a bank will require you to have insurance if you have a mortgage, but there are no legal requirements to having homeowners insurance. 

This means that having insurance is ultimately your choice. 

In this blog post we will discuss a few questions that will help you decide if you need insurance or if you are better off without it.

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Topics: homeowners insurance

When Should you Purchase Life Insurance

Posted by Zach Emly on Sun, Jan 29, 2017 @ 20:01 PM

Life insurance is one of those things that most people know they need but hesitate on when the time is actually right. 

Do you buy young so it is cheap? Do you wait until you have children? Do you wait until you are older and closer to retirement?

This blog post will discuss a couple different examples which will help you understand when you should purchase life insurance and why. 

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Topics: life insurance

Pet Emergency Preparedness Planning

Posted by Zach Emly on Mon, Jan 23, 2017 @ 20:01 PM

Pets are family.

Many of us have a plan or are at least somewhat prepared when it comes to our children or family members but people rarely have a plan for their pets. 

For instance, at my son's school he has multiple emergency contacts including his mother and me but also other family members if something were to happen to both of us. You likely have some type of emergency contact card to notify your spouse or a close family member if something were to happen to you. We also have emergency plans and meet up points if something were to happen.

But what about our pets? If the family was in a car accident and was required to spend a few days in the hospital would your animals be left for days by their lonesome? What if you are forced to evacuate your home? Do you have the necessary provisions in place to take care of your pets? 

Do not let disasters sneak up on you. Use this blog to prepare an emergency plan for your pets.

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Topics: family emergency plan, pet emergency planning

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

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