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. 

Discover Little-Known Benefits to Having Life Insurance

When it comes to life insurance, many people think they understand it. In fact, many people see the value of having a life insurance policy, but, over the years, fewer households are purchasing life insurance.

At Diverse Insurance Solutions, in Manassas, VA, we still see the value in having a life insurance policy. With a life insurance policy, you will have the money you need to cover both medical and final expenses of a lost family member; however, there are more benefits to having a life insurance policy than what meets the eye.

Get an Emergency Loan Using Your Life Insurance

If you have a whole life insurance policy, it’s possible for you to get an emergency loan, without worrying about credit qualifications. Many whole life policies build cash value over time, which you can borrow from for your emergency. Keeping a policy for years can give you access to a significant emergency fund that you can use when you want.

Donate Your Life Insurance to Charity

As the owner of your life insurance policy, you can do what you want with it. You can leave it to family members or friends. You can also choose to leave your life insurance policy to a charity you want to have it. As a tax-free way to pass on money, donating your life insurance policy to a charity is a great way to fund many charities that go underfunded for years.

Finance Your Child’s College Fund

As you know, the cost of college is increasing. In fact, if you aren’t saving for your child’s college tuition now, then it’s possible that you will need to supplement their college fund with student loans. Instead of opting for debt, you can use your life insurance policy. In the event of your death, your life insurance policy could pay your child’s college fund that you’ve set up.

If you want to learn more ways to use your life insurance, we are happy to help you here at Diverse Insurance Solutions. You can visit us at our website or give us a call to learn more.

 

Things to Do Every Year Before Summer Boating

Summer is such a fun time of the year for many reasons. If you live near a lake then you probably spend as much time as possible in or on the water. To do that, you also probably have a boat. Did you know there are things you need to do every year before getting the boat out on the water to ensure safety? Use these tips this summer to prep your boat.

  • Get a tune up for your boat. Unless you like to boat in cold weather, you likely didn’t get it out all winter and that means that it likely needs a tune up. Take some time to get this done every year before summer so you can make sure it is in the best condition for all of your upcoming summer fun.
  • Check your battery. Another thing to check if it has not been used in months is the battery. You want to make sure it has enough juice to power the boat. The last thing you want is to be stranded in the middle of a lake because the battery will no longer work.
  • Make sure you have a fire extinguisher and plenty of life jackets on board. We know that no one ever wants to use these but if you are ever in the situation where you need one, it is better to have one that works instead of one that doesn’t. That is why it is very important to check these two things before the summer season begins for you.

One very important thing to do is make sure you have great boat insurance. If you want us to take a look at your current policy or want to get a new one, contact us at Diverse Insurance Solutions today.

The Basics of Motorcycle Insurance

Having insurance each and every time you leave your home in your car or on your motorcycle is not only essential to the safe operation of the vehicle but is also the law.  Diverse Insurance solutions can help you find the coverage you need to be both safe and legal. There are a few different things to consider when setting out to find the right motorcycle insurance for your needs.

The first is what exactly is motorcycle insurance? This type of insurance is going to cover any monetary needs if there is an accident, theft, or damage done to your bike. Much like auto insurance protects your car, motorcycle insurance is meant to help protect both motorcycle and driver. The insurance coverage required by law is going to vary from state to state but it is essential that some form of insurance be in effect each and every time you set out to ride.

Motorcycle insurance helps to protect both the rider and other drives in the case of an accident. Say for instance you are driving and get into an accident that totals your bike and injures the other driver. Your policy will step in to help pay medical bills of the driver, help pay to get your bike fixed or to get a new bike, and to pay your own medical bills as well.

Having the right coverage, either full or liability, is essential and most people are a bit iffy on what type of coverage is going to work best for them. While motorcycle insurance as a whole is much cheaper than car insurance, you should take the time to find the right policy based on what coverage you need rather than on what price you are going to be paying.

How Road Rage Can Affect Your Life

Although you may get to your destination quicker, raging down the highway has considerable consequences. Our team at Diverse Insurance Solutions understands how tempting it can be to drive at high speeds, weave throughout traffic, and drive through red lights in order to get where you are going, but we urge you to consider the consequences of road rage on your life.

Vehicle Crashes Are the No. 1 Cause of Death for Teens

If you are a teen, then it’s important that you drive safely and follow all traffic laws. With little to no experience driving in various traffic conditions, you are at a greater risk than experienced drivers. In fact, car crashes are the number one cause of death when it comes to teens. You should drive slightly under the stated speed limit to give you time to react to road hazards and fellow drivers.

Crashes Can Lead to Liabilities

Another major problem that is born of road rage is the inability to control your vehicle. If you are driving through red lights and speeding behind the drive ahead of you, there is little time to react, which could lead to a crash.

If a crash happens and you are at-fault, then you may be financially responsible for making the other driver whole. Your financial responsibility can include medical bills, loss wages, and repairing or replacing their car. To reduce the possibility of an accident, you should drive slower and defensively so that you can reduce the likelihood of an accident.

Road Rage May Lead to Tickets

When you drive aggressively, you increase your chances of getting a ticket. Obviously, many of the behaviors that constitute road rage are against the law; therefore, you could be at risk of having your driving privileges suspended if you get a lot of tickets.

At Diverse Insurance Solutions, we keep you safe while you are driving. If you want to learn more about ways you can increase your safety while driving, give us a call.