What does boat insurance cover?

While many consumers understand the basics of home and auto insurance, purchasing an insurance policy for your boat is a bit different. It is critical for boat owners to take time to learn what insurance options are available and build a policy that will protect both you and your boat from losses. Whether your boat is on the Chesapeake Bay or elsewhere in the Manassas, VA area, it is critical to have a solid insurance plan, and an agent at Diverse Insurance Solutions will be happy to assist.

The primary coverage in a boat insurance policy is collision coverage. Collision coverage will cover the cost to repair or replace your boat in the event of a collision. It is important to discuss with your agent whether you want to insure for the replacement cost, cash value or a predetermined value. It is also essential to talk with your agent whether or not you want to include coverage to clean up the wreckage in the event of a crash.

A boat insurance policy also provides coverage for property damage. This coverage is meant for damage you cause to another person’s boat or any other structures such a the dock.

Boat insurance also has bodily injury coverage. Bodily injury coverage will assist with expenses as a result of an injury you cause to a third party including medical bills, legal fees and even damages awarded for pain and suffering.

Many insurance companies also offer comprehensive coverage that covers the boat if it is damaged in an event other than a collision such as vandalism or theft.

In addition to the basic coverage options under a boating policy, you will be able to purchase add-ons such as coverage for oil spills or your fishing equipment. It is important to discuss your particular situation with your agent to determine which add-on policy options are right for you.

If you are interested in learning more about boat insurance, please reach out to a specialist at Diverse Insurance Solutions. We proudly serve the Manassas, VA area.

Important Factors to Consider When Choosing a Motorcycle Policy

Motorcycles provide a lot of enjoyment and offer an exciting way to travel whether you are running around town or out on the road. Choosing the right motorcycle insurance is an important part of ownership and a decision that should not be taken lightly. Comprehensive coverage is even more important with a motorcycle and there are several components that a policy should contain. Diverse Insurance Solutions offers complete motorcycle policies at varying levels that are suitable for a multitude of situations. If you are a motorcycle enthusiast in the greater Manassas, VA area our agents are here to help you get the protection that you need.

Coverage to Look for in Your Motorcycle Insurance Policy

  • Liability
  • Comprehensive and Collision
  • Uninsured and Underinsured Motorist
  • Medical Coverage
  • Roadside Assistance
  • Full Coverage

The coverage amount necessary in each of these coverage areas will vary in every situation and this list offers a good starting point to help navigate the motorcycle insurance process. Our agents are fully trained and knowledgeable about motorcycle insurance and can help you find the right policy for your needs. Motorcycle insurance is a requirement in every state and it is not something that should be overlooked. If you are thinking of purchasing a motorcycle, Diverse Insurance Solutions a call to ensure that you get the coverage you need. We are proud to serve the Manassas area and would welcome the chance to work with you.

Diverse Insurance Solutions is a full-service agency and we are here to help you make sure you have the comprehensive coverage that you need in the Manassas, VA area. Our agents are available to meet with you at our offices and by appointment. Please give us a call today at (571) 989-6399 to schedule an appointment.

Floods Are Not Covered With Homeowner’s Insurance

Floods can happen anywhere, at any time. For this reason, it is wise for homeowners’ to know what their insurance policies cover, and do not cover. For instance, a standard homeowner’s insurance policy does not cover floods or bursting pipes inside the home. In order to protect your property, you need to invest in flood insurance.

How To Purchase Flood Insurance

Flood insurance is purchased through an insurance provider who obtains it through a government program. Contact your local provider for prices in your area. Have the information you need for your homeowners’ insurance in order to purchase your flood insurance policy. Your flood insurance policy is paid in a yearly lump sum in most cases. You should also plan ahead when purchasing flood insurance because there may be a period in which the policy takes to go into effect from the purchase date.

Don’t Wait For An Impending Disaster

Don’t wait to get the coverage you need. Because of the waiting period, you may leave yourself without protection that can help you recover from a potential flooding event. Take steps to purchase your flood insurance as soon as you purchase your home and keep the coverage in place year round. For more information on flood insurance coverage in  Manassas, VA, Diverse Insurance solutions can give you the answers you need. Call or stop in today to get started protecting your belongings from flood events. 

Floods can catch homeowners off guard if they do not have the flood coverage they need. Don’t put yourself in a situation where you can’t replace your belongings. If you live in Manassas, VA, Diverse Insurance solutions has you covered.

Can My Husband and I Carry Kids on Two Different Health Insurance Policies?

If you and your husband are both able to obtain health insurance plans, you may be thinking about doing so. But many people are not sure if kids can be carried on two different health insurance policies or not. Here is some information from Diverse Insurance Solutions, serving the greater Manassas, VA area in regards to kids and double insurance policies. 

Can Kids Be On Two Different Insurance Policies?

Both kids and adults can be in two different health insurance policies at one time. This is called having double coverage. Most people who have double coverage have the double coverage because both them and a spouse are eligible for health benefits through their employer. But some people do carry health insurance with their employer and pay for a second policy completely on their own. 

What Are the Benefits to Having Kids on Two Policies?

Insurance policies do not cover all of your health insurance costs. They typically only cover a percentage of the costs once a deductible is met. When a child or an adult has double coverage, the insurance policies overlap, typically covering the full cost of health insurance costs. In most cases, you do still have to meet your deductible for both policies. However, once that is met, both policies kick in and provide the coverage offered, reducing your out-of-pocket medical expenses. 

If you are interested in learning more about health insurance or are looking to obtain quotes for a first or second policy, contact Diverse Insurance Solutions, serving the greater Manassas, VA area today. We can answer any questions you have or provide you with a free quote. 

 

Choosing a Life Insurance Policy: Term vs. Whole Life

The benefits that come with having life insurance aren’t necessarily for you, they are for your family. Life insurance exists as a way to provide a policy owner with peace of mind that they’ve done everything they can to insure that their loved ones can maintain their quality of life should you not be able to provide anymore, particularly in the case of death.

This desire to provide for your loved ones in the event of your death may trigger your decision to purchase a life insurance policy, but when it comes to determining the best policy for you and your family there are other details that ought to be considered. Diverse Insurance Solutions offers a range of insurance options to help you with this choice.

Term vs. Whole Life Policies

The primary choice you need to make when you are looking at life insurance policies is whether to go with a term policy or a whole-life policy. Put simply, this means you need to choose whether you are going to purchase a policy that is going to last for an agreed upon term of your life, or whether you are going to purchase a policy that is guaranteed for your entire life, regardless of age.

When broken down to its core like that, many people will opt for whole-life, as it guarantees funding for your loved ones in the event of your death at any age. But some people feel that this isn’t necessary, as perhaps your family wouldn’t require as much monetary support following your death at an elderly age. Term life insurance policies provide coverage up until an agreed upon age, most frequently the age of retirement—typically around 70 years. In the event of death prior to the age agreed upon, the insurance policy provides your family with the proper payout. Following that age there will be no payouts.

The reason term life insurance policies are so popular is because they are typically a great deal cheaper than whole life insurance policies. This is a cost-benefit analysis that you need to make as an individual. There are always benefits to maintaining that whole-life policy, as monetary support to your family can be helpful to aid with medical bills or funeral expenses at any age. However, whole life policies are more expensive, so you need to decide if that is a monthly expense that you are willing to make for the rest of your life. Talk to an insurance expert in Manassas, VA to find out more about life insurance options for you. 

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.

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.