When you request a quote, purchase coverage, or use our website, you agree to these terms. This agreement explains your rights and responsibilities when working with DiversifiedInsure. By continuing to use our services, you accept these conditions in full. If you do not agree with any part of this document, please stop using our site and contact us to discuss your concerns. These terms are designed to protect both you and our company while making sure everyone understands how our services work. We provide home insurance coverage to protect your property and belongings. When you apply for a policy, we evaluate your home based on location, structure, condition, and risk factors. This helps us calculate fair pricing and coverage limits. Once you accept a quote and make your first payment, your policy goes into effect on the date shown in your agreement. You are responsible for providing accurate information during the application process. If we discover false or incomplete details later, we may adjust your premium, deny a claim, or cancel your policy.
You agree to pay your premium on time according to the payment schedule outlined in your policy. If a payment is late, we will send a notice with a grace period to catch up. If the premium remains unpaid after the grace period ends, your coverage will be suspended or canceled. You will be notified before this happens. We accept payments by credit card, debit card, or bank transfer through our secure payment system. You are responsible for keeping your payment method up to date. If a payment fails due to expired card details or insufficient funds, you will be contacted to resolve the issue. Any fees charged by your bank or card issuer for failed transactions are your responsibility. Your policy outlines what is covered and what is not. Most plans include dwelling protection, personal property coverage, liability protection, and additional living expenses if your home becomes uninhabitable. Exclusions typically include damage from floods, earthquakes, normal wear and tear, intentional acts, and certain high-risk activities. You should review your policy carefully to understand the limits and conditions that apply to your coverage.
If you need to file a claim, contact us as soon as possible. You will be asked to provide details about the incident, including when it happened, what was damaged, and any relevant photos or documentation. Our claims team will review your submission and guide you through the next steps. You are expected to take reasonable actions to prevent further damage after an incident. For example, if a pipe bursts, you should turn off the water and move belongings away from the affected area. Failure to mitigate damage may affect your claim. We investigate all claims to confirm they fall within your coverage. If approved, we will issue payment based on the terms of your policy. If denied, we will explain the reason and provide information about the appeals process. You have the right to cancel your policy at any time by contacting us in writing. If you cancel within the first thirty days and have not filed a claim, you may be eligible for a full refund. After that period, refunds are calculated based on the unused portion of your premium minus any applicable fees. We may also cancel your policy if premiums are not paid, if you provide false information, or if your property becomes uninsurable due to changes in condition or risk level. You will receive advance notice before cancellation takes effect.
Our website is provided for your convenience. You may use it to request quotes, manage your policy, file claims, and contact support. You agree not to misuse the site by attempting to hack, spam, or distribute harmful content. Any unauthorized access or interference with our systems may result in legal action. We are not responsible for issues caused by your internet connection, device compatibility, or third-party software. While we work to keep the site running smoothly, occasional downtime or technical problems may occur. We will do our best to resolve issues quickly but cannot guarantee uninterrupted access. You retain ownership of any information you provide through our website. By submitting data, you grant us permission to use it for the purposes described in our privacy policy. We will not share your details with unrelated parties unless required by law or necessary to deliver our services. Any content we create, including text, images, logos, and design elements, remains our intellectual property. You may not copy, reproduce, or distribute our materials without written permission. Links to third-party websites are provided for reference only. We do not control or endorse the content on those sites and are not responsible for any issues you encounter when visiting them.
These terms are governed by the laws of the state where your property is located. If any part of this agreement is found to be unenforceable, the rest of the terms will remain in effect. Disputes between you and DiversifiedInsure should first be addressed through direct communication. If we cannot resolve the issue, you may pursue mediation or legal action according to the procedures outlined in your policy. We reserve the right to update these terms at any time. When significant changes are made, we will notify you by email or through a notice on our website. Continued use of our services after updates are posted means you accept the revised terms. If you have questions about this agreement or need clarification on any section, contact our support team. We are here to help you understand your coverage and ensure you feel confident in the protection you have chosen.