Keep Your Home Safe While on Vacation

Whether you live in Dallas TX, Fort Lauderdale FL, or Manassas, VA on vacation, you don’t want something to go wrong while you’re away. Coming home from a dream vacation to a surprise that something seriously went wrong while you were away can be devastating. Here are some basic remedies that can work to keep your home safe while you’re away.

  • One of the simplest things to do is to ask a friend to keep an eye on the place while you’re gone. To house-sit or stop in and check on things.
  • Don’t tip off possible criminals that you will be gone. Social media can be an easy place for criminals to find out you’ll be gone for a couple of weeks. Don’t let people know that don’t need to know you’ll be out.
  • If you have the opportunity for a lengthy vacation, you might want to let the local police know you’ll be gone. Alternatively, let the neighborhood watch know.
  • Leave the window curtains exactly like you do when you’re home. Closing them may let people you know you’re not home, but it also can let other know you’re not.
  • Purchase a light switch timer to turn lights off and on by a schedule.
  • If your mail or the newspaper is delivered to your home, either stop the mail or have a friend pick it up.
  • If you live where it’s cold and no one will be staying in the home, turn the faucet on so just a few drops are coming out to keep pipes from freezing.

Diverse Insurance Solutions

Let the agents at Diverse Insurance Solutions in the Manassas, VA area spend the time shopping for the right insurance policy for your home. We work to find the coverage you need at the right price.

How to Avoid a Car Accident Scam

In Manassas, VA, Diverse Insurance Solutions wants you to understand the importance of spotting an auto accident scam. You could lose thousands of dollars unnecessarily if you are unaware of these various fraudulent schemes. Here are a few common scams and what you can do to avoid them.

The Swoop and Squat

A vehicle swoops in front of you and suddenly stops. This rear-end collision would be considered your fault. In many cases, the driver has a couple of passengers who dubiously maintain that they have a variety of injuries to illicit money from an insurance claim.

To avoid the swoop and squat scam, you should be vigilant of drivers in you peripheral view and keep a safe distance while on the road.

The Drive Down

You’re merging into traffic, and a seemingly considerate driver slows down and waves you in. Just as you are getting into the lane, the driver speeds up, and you run into them. Usually, this occurs on the interstate, but it can also happen when you’re changing lanes or moving out of a parking space.

Avoid the drive down by creeping slowly into traffic or when leaving a parking spot. This way, if you see someone speeding up, you can use evasive maneuvers to avoid being hit.

The Sideswipe Scheme

Turning while in a dual lane of traffic can be tricky. If you are in the inside lane and you happen to sway slightly out of the lines, a sneaky driver could purposefully run into you. This type of incident would be seen as your fault. Try staying in your lanes when you’re turning. If you need to move over, do so before or after the turn.

Diverse Insurance Solutions help individuals and businesses in the Manassas, VA area with auto, home, and other types of insurance policies.

Things to Do Around Your Home This Spring

Now that winter is slowly going away, spring is just around the corner, and that means that it is time to start thinking about prepping your home for spring. For your home in Manassas, VA, there are many things you can do to make your home look better inside and out. Use these tips from Diverse Insurance Solutions to get started. 

  • Dust everything. If there is nothing else you do for spring cleaning other than dusting, you will be ok. Dust can accumulate a lot over the course of a few months, and you likely did not do much of it during the winter. Now is the time to freshen everything up with a good dusting. 
  • De-winterize your home. If you winterized your home before the cold weather, you also need to de-winterize it before spring hits.
  • Get your HVAC checked. Although you may not yet need your air conditioning system, now is the perfect time to get it checked out. You do not want to learn the hard way that your air conditioning is no working or needs a repair. Get it checked now, so you are ready for summer. 
  • Plant some flowers. If you have the yard space, you should consider getting some plants and flowers that will bloom in a few weeks. When they start blooming, you will love they way they look outside. 

Now that you have a game plan for your spring prepping, you can focus on making sure your home is protected. The best way to do that is by having a home insurance policy. If you do not have one already, be sure to reach out to Diverse Insurance Solutions, serving Manassas, VA, for a free quote. They will be sure to find options that fit your budget and meet your needs. 

What is replacement value home insurance, and do I need it?

For many people in the Manassas, VA area, a home insurance policy protects their biggest financial asset as well as their family’s security.  At Diverse Insurance Solutions, we understand how important these policies are to the safety of all of our families.  If your family needs to rely on their insurance coverage during an emergency, one of the most important things to have is the ability to replace everything you lost.

When a disaster strikes, it’s possible for there to be damage to the structure of your home as well as the contents.  All too often, however, a home owner’s insurance policy will only provide funds for the value of the items that were lost.  If you have electronics or furniture that you bought several years ago, this could mean that you receive just a fraction of what you paid for it.  Worse, if the structure of your home was damaged, the insurance company will subtract a pro-rated amount from the total cost of the repair work.

The solution to this problem is to invest in a policy that provides the replacement cost of the items lost.  Replacement cost insurance will give you the funds to go to a store or contractor and restore your home to its condition before the disaster.  Replacement cost insurance provides enough money to replace everything that was lost or damaged with new items.  In many cases, these policies can be written to provide extra funds that would address the difficulty in importing building supplies and other items after a natural disaster or other wide-spread event.

If you’re a home owner in the Manassas, VA area, you need to make sure that your home and your family are protected in the event of a disaster.  Call the agents at Diverse Insurance Solutions to write a policy for you today.

Buying The Perfect Amount Of Home Insurance

Finding good Manassas, VA home insurance can be hard, but Diverse Insurance Solutions has broken down how to buy the perfect amount of home insurance without paying too much money.

The Bare Essentials Of Home Insurance Coverage

A good policy should cover a few bare essentials before you add supplemental polices. For example, you need to cover the structure of your home, personal possessions, moving and living expenses (for when you need to leave the house to repair it), and liability for when people are injured on your property.

The last point is one that many homeowners ignore. However, good umbrella insurance can insure you in an instance when somebody sues you for a personal injury. This helps cover your court costs and payment to that person should you lose the lawsuit.

Managing Payments Properly

When deciding on insurance plans, you also need to gauge what you can pay. For example, you need to decide on the highest deductible you can afford (in order to decrease your premiums) and increasing your policy to cover disasters and other problems.

Other considerations to take into mind include the market value of your home (don’t buy insurance that covers a home that is worth more than yours), your monthly cash flow (don’t create payments you can’t afford), the various deductibles on your policy, and supplemental policies.

Supplemental Insurance Types

Supplemental insurance can fall into a variety of listings, including:

  • Garages, fences, and other structures not attached to the home
  • Medical payments for when a person in injured on your property
  • Disaster coverage for tornadoes, fires, floods, earthquakes etc.

Deciding On Disaster Insurance

Many people skip out on disaster insurance because they think they can do without it. This is a mistake: even if you have to pay an extra $100 a month, disaster policies are worth it. For example, even if you don’t live in a flood-prone area, floods could occur. Without flood insurance, you’re left holding the bill.

By carefully balancing your costs and expenses with Diverse Insurance Solutions, you can get the Manassas, VA home policy that is perfect for your needs.

Do Home Insurance Needs Change With the Season?

 Generally your home insurance needs are going to be fairly consistent year round but in some cases, your coverage needs can change with winter and summer. There are a few different instances in which your coverage needs might change according to the seasons and the helpful agents at Diverse Insurance Solutions in the Manassas, VA area can help.

The first reason that your insurance needs might change as a reflection of the season is if you changed your coverage when the summer rolled around. This might mean that you have less coverage during the summer months when things like heavy snow and ice damage are less likely. For those that live in states where heavy snow and ice are possible, you may very well need to change coverage during the winter months to reflect this major weather change.

Another reason you might need to change coverage with the seasons is if you live in an area where things like seasonal hurricanes are possible or where heavy rains and other storms are likely to damage your home. In areas where your weather is fairly temperate, meaning there is neither a tornado or special weather event season or large amounts of snow, you may not need to make any changes at all.

Your agent will be better able to tell you just what changes you need to make in order to be covered for your specific area and region. No matter where you live, it is critical that your coverage be regulated and taken care of so that you care ready for any event and so that your home is protected all year round. For those in the Manassas, VA area, the agents with Diverse Insurance Solutions can help you set up the perfect home insurance policy.  

Checking Your Auto Insurance Coverage

Auto insurance is one of the most important types of insurance policies that anyone can hold and as such it is important to take the time every now and again to check your coverage and make sure that you have enough, that it is the right coverage, and that you have the coverage that is required by law. For those in the Manassas, VA area you will want to talk with an agent to see if there are any geographical location specifics that you need to consider.

 The first reason you should check your coverage frequently is that your car does change in value as it ages and as more miles are put on it and as things like door dings and other damage occurs. This may lower your monthly premiums and may also lower the amount of insurance that you need to hold on your car.

Another reason you should check coverage often is that sometimes insurance agencies have to raise premiums to compensate for claims that are made by other drivers that have the same agency as you. This means that you may be paying more for the same coverage when you could actually save money with another agency.

The last reason you should check coverage often is that the laws change very often and you may not have the coverage that is specific for the area in which you live. For instance, if you live in the Manassas, VA area you may need more coverage than someone that lives in a less populated area. Taking the time to check coverage often helps to insure that you are legal and fully covered at all times and that you are not left floundering in the event of an accident when coverage really matters.

4 Reasons to Purchase Home Insurance in Virginia

Purchasing a home insurance policy is important for every homeowner. Do you live in the Manassas, VA area and need more information in regards to the reasons for purchasing a home insurance policy? The following is an overview of four reasons to purchase home insurance in Virginia.

Fires

One of the top reasons to purchase home owner’s insurance is to protect your family against damage caused by fires. Although no one typically moves into a home planning for it to burn down, by acquiring this safety net, your family will be protected even if you experience the unfortunate circumstances of a massive fire.

Theft Protection

While alarms, apps, and other devices are great ways to deter crooks from targeting your home, these technologies do little to help you after the crime has been committed. However, by purchasing a high-quality home insurance policy, you are ensuring that you are able to purchase and replace the products that have been stolen or damaged.

No need to Own a Conventional Home 

Although many immediately think of the traditional home with a huge yard and white picket fence, you do not need a traditional home to purchase a home insurance policy. Condominiums, mobile homes, and more are also covered under home insurance policies.

Natural Disaster

Lastly, in the event of some other type of natural disaster, having a good home insurance policy ensures your ability to move on rather than remaining stuck in turmoil. Within reason, home insurance policies are the best method of protecting your home against natural disasters.

Overall, if you are seeking a high-quality insurance company in Manassas, VA, Diverse Insurance Solutions is the place to go. Aptly named, Diverse Insurance Solutions offers an array of insurance policy options for people from all walks of life.

Getting Your Home Ready for Winter

Fall maintenance for those who live in Virginia is an important annual routine to minimize the risk of damage to your home from any severe winter weather. Be sure to check with your agent at Diverse Insurance Solutions, so he or she can review your insurance coverage and make sure everything is up-to-date. Be sure to have your agent check the insurance coverage for replacement costs, because construction prices change every year. Also, inform your agent of any significant life changes, such as having a new baby, starting a new job with a longer commute, or adding a new room on the house. Insurance coverage may need adjustment for these changes.

Common types of damage or problems during winter include:

  • Water damage from pipes that freeze and then break.
  • Structural damage from falling debris, such as broken tree branches.
  • Broken windows from high winds.
  • Slips and falls caused by ice on walkways.
  • Smoke damage from a dirty chimney and fireplace flues that are blocked.
  • Holiday fires caused by candles or dried-out holiday trees.
     

Some ways to reduce the chances of this damage include:

  • Turn off any unused water systems and drain the pipes.
  • Drain irrigation systems. Drain garden hoses and put them away in storage.
  • Drain and clean outdoor central air-conditioning units and cover them.
  • Trim back tree branches away from the house.
  • Use storm covers for windows during severe winds.
  • Remove snow and frequently de-ice walkways to keep them safe. Check for proper operation of exterior lighting.
  • Sweep the chimneys and clean the fireplace flues.
  • Use scented plug-ins instead of candles. Use a live tree. Make sure smoke alarms work. Replace batteries with new ones.

Summary
It is easy to forget to do things that make your home safer in winter. Use this checklist to make sure you do not forget to take these steps to enjoy a safe and happy winter season.

Safety Practices to Prevent an Accident

Practicing safety each day helps employees to prevent injuries and other downfalls that occur as a result of him or her not being careful. They may save the employee his or her job. On the other hand, they may prevent the company from receiving a lawsuit. 

1. Driving Safety

Those who must drive at all during the work day must learn to practice safe driving habits at all times. They must learn to work through aggressive drivers and even drive in hazardous conditions. It’s also important that the person or whoever is responsible for the vehicle properly maintains it. It must always have a current inspection, and the necessary repairs must be made as soon as they arise. 

2. Protective Gear

Business owners must insist an employee wears needed safety gear such as goggles or rubber gloves. While they might be uncomfortable for the employee to have to wear, especially for long periods of time, they’re well worth it. Not wearing safety equipment can result in a serious injury that can affect the employee for the rest of his or her life. If employees are made well aware of the dangers of not wearing protective gear, the employee isn’t able to hold the business accountable for injuries that arise when the equipment isn’t worn properly. 

3. Importance of Cleaning

Employees need to be made aware that a clean workplace is expected. This means not only is their personal office or cubicle kept tidy, but this also means they clean up spills and remove tripping hazards. 

To learn more about safety practices to incorporate into a business setting or to open a policy, contact 

Diverse Insurance Solutions at 571-989-6399. They serve Manassas, VA and the surrounding area.