Call Us 682-900-2556
Services
At Diamond Guard Insurance we believe in a holistic approach to providing protection for all that is precious!
Don't take chances. Speak to one of our experts today!
Protect Your Home & Auto
Auto Insurance
Although many people may not realize it, there are several important considerations when purchasing car insurance. Things to remember include:
- Make sure you purchase enough liability insurance to adequately protect you. Companies that allow you to ‘choose your price’ simply mean that you are picking substandard coverage.
- Pick an agent who will be available for you in case of an emergency. All the major companies have a 24 hour a day number, but how many agents provide you with a cell phone number so you can contact them directly?
- Review your policy annually. Things change in your life, and what worked for you last year may need to be adjusted this year.
Condo Insurance
Condominiums need adequate insurance coverage, just as homes do. Things to keep in mind when considering a policy include:
- Most condo policies have very low coverage for the actual dwelling itself. Even if you only need to repair from the sheetrock in, it can get very pricey between cabinets, countertops, flooring, etc.
- It’s important to keep an inventory of your personal belongings in case of a claim. It will make the claims process easier and faster when you already know what is damaged or missing.
Homeowner Insurance
For most people, their home is the biggest investment they will ever make. Making sure you have adequate protection on yours is vital. There are several important things to consider when preparing to purchase a homeowners insurance policy:
- Make sure to talk through every possible coverage with your agent. Each insurance policy is different and covers different things.
- Ask how your belongings are covered, especially in regards to theft.
- If you have large collections of high-priced collectibles such as jewelry or firearms, keep an inventory and find out about specific coverages for those collections.
- There are different coverages and policies for homes which are leased to relatives or others. Make sure to let your agent know if you are not the primary resident of the home.
Renters Insurance
Most people don’t think about obtaining insurance when they are renting. However, the property owner’s insurance does not usually cover your personal belongings. So in case of fire, theft, water damage, etc., you would be responsible for replacing everything you own.
Also, if you cause damage to the property, even accidentally, you can be held liable. For example, if you leave a candle burning and it somehow catches your apartment on fire, perhaps even the apartments around you, you could be responsible for all of the repair costs.
Protect Your Toys
Boat Insurance
Boats are significant assets, and insuring them properly is important. Things to consider when purchasing your boat insurance include:
- Make sure you purchase enough liability insurance to adequately protect you. Companies that allow you to ‘choose your price’ simply mean that you are picking substandard coverage.
- Ask about coverage for your optional and custom equipment. If you have fishing gear or other equipment, ask how that will be covered in the case of a loss.
- Boat policies provide actual cash value coverage. Because the value of boats changes so frequently, it’s important to review your policy annually to update the insurance. You don’t want to pay insurance for an amount you will never receive.
- Your boat trailer is not usually covered automatically. Be sure to let your agent know how much your trailer is worth.
We recommend the following limits and your quote will include these:
- $300,000 liability
- $1,000 medical payments
- $250 deductible
- $250 trailer deductible
Motorcycle Insurance
When purchasing insurance for your motorcycle, it’s important to consider the following:
- Make sure you purchase enough liability insurance to adequately protect you. Companies that allow you to ‘choose your price’ simply mean that you are picking substandard coverage.
- Ask about coverage for your optional and custom equipment. Your bike doesn’t look like everyone else’s. Make sure your coverage is also custom.
- Theft and vandalism coverage is not always included. Discuss with your agent what is most important to you when it comes to covering your bike.
We recommend the following limits and your quote will include these:
- $250,000/$500,000 per person/per accident liability limits
- $100,000 property damage liability
- $500 collision deductible
- $100 comprehensive deductible
- Towing
Protect Your Family
Accident Insurance
An accident can wreak havoc on your savings if you’re not prepared. That’s why there’s accident insurance. It gives you a cushion to help cover medical expenses and living costs when you get hurt unexpectedly. On average, there are 11 unintentional-injury deaths and about 2,330 disabling injuries every hour during the course of a year. Nearly 1 in 8 people sought medical attention or suffered at least one day of activity restriction because of an injury.
Accident insurance can pay you a lump sum benefit for either on or off-the-job accidental injuries, plus some medical benefits. Because accident insurance is supplemental, it works in addition to other insurance you may have. You can use the policy on its own, or to fill a gap left by your other coverage.
With Accident Insurance You Can Have Peace of Mind Knowing:
- Benefits are paid directly to you unless assigned
- Benefits are paid regardless of other coverage
Accident insurance policies offer benefits paid on a cash basis directly to you and are available through your employer. If you are interested in your employer offering these supplemental health insurance benefits, contact us and we will help walk you through the process.
Cancer Insurance
No one likes to think about getting cancer, but it will affect 1 in 2 men and 1 in 3 women. Cancer may not be preventable, but you can protect yourself from some of the costs. Cancer and specified disease insurance can help you manage the high expenses of treatment, preserve your savings, protect your family from financial hardship, and allow you to concentrate on getting well.
What you can expect:
- Guaranteed Renewable Policy
- Benefits paid directly to you
- Benefits paid in addition to any other coverage
Other diseases covered:
- Cystic Fibrosis
- Muscular Dystrophy
- Multiple Sclerosis
- Rabies
- Tetanus
- Tuberculosis
- And More
Cancer insurance policies offer benefits that pay on a cash basis directly to you and are available through your employer. If you are interested in your employer offering these benefits, contact us and we will help walk you through the process.
Critical Illness Insurance
With advancements in medical technology and treatment people are living longer, and once deadly diseases are being controlled and cured. One way you can help protect yourself, your family, and your finances is to purchase a critical illness insurance policy, which pays a lump-sum cash benefit when you are diagnosed with a critical illness.
Critical Illnesses Covered:
- Organ Transplant
- Heart Attack
- Stroke
- And more
What you can expect:
- Benefits paid directly to you
- Benefits paid in addition to other insurance
- Guaranteed renewable for life, subject to change in premiums by class
- Coverage that supplements any existing medical benefits
Critical Illness insurance policies offer benefits paid on a cash basis directly to you and are available through your employer. If you are interested in your employer offering these supplemental health insurance benefits, contact us and we will help walk you through the process.
Life Insurance
Insuring your life is one of the most important protections you will ever put in place for your family. There are several things to be sure to consider:
- Having coverage through your employer is not always enough. Most companies only allow up to three times your annual salary, which will most likely not be enough to ensure your family’s continued standard of living.
- If you purchased life insurance in the past, it’s important to note that mortality rates have changed. It’s possible you are paying too much. Make sure to review your policy every 1-2 years to verify you are getting the best price and still have the right amount of coverage.
- If you think you are too young for life insurance, it’s the perfect time to buy. Rates will be at the lowest of your life, and since life is unpredictable, at any point you could become uninsurable. Many medical conditions aren’t age specific – how many people do you know under the age of forty who have been diagnosed with cancer? These things happen every day and it’s important to know your current and future loved ones are protected.
There are many types of life insurance to choose from. Our experts can help you determine what is right for you.
Protect Your Income
Retirement Planning
Protecting your family and retirement plans are as important as protecting your homes, autos and toys. To many, this protection is even more important.
We recognize that many of our clients would like to combine their protection needs in one place. We agree! We have partnered with top level professionals and companies to work with you to help you create a new financial plan or to review and update your current plan. We want to help you make your financial future secure and we believe that protecting your family from the unexpected is the most important service we can provide.
We will be happy to personally introduce you to our partners to begin the planning process.
Umbrella Insurance
We have found Umbrella insurance to be the least known policy in personal insurance, and yet, it’s the absolute most important policy you can own.
Accidents happen. And unfortunately, sometimes the costs can exceed your auto or home policy limits. A liability umbrella insurance policy works as a protective umbrella over both your auto and home insurance to guard your current assets, as well as what you are working towards. Policies start in increments of $1 million in coverage and can cost as little as $15 a month.
Important things to remember while considering a liability umbrella insurance policy:
- Auto and home insurance often don’t cover certain types of incidents such as slander. But a liability umbrella can.
- You won’t have to go to court alone. Your insurance company will retain and pay for a lawyer to represent you.
- Even if you could afford to pay the costs of a lawsuit, would you really want to? Think about putting an Umbrella policy in place today.
Protect Your Business
Business Insurance
Your small business is something you have worked hard to develop, and any business owner is wise to invest in business insurance. Take time to protect your hard work with the proper kind of business insurance. Business insurance policies provide protection to keep your business safe. This coverage can protect business property, business investments, and your bottom line.
When you are shopping for a business policy, look for a policy that has the correct amount of coverage for your own situation. The insurance company will provide a value for your business. They then provide coverage based on the determined value.
Business insurance protects your company and its assets, regardless of the number of locations. Consider business insurance to protect your company. All it takes is one financial disaster to destroy a business.
Commercial Liability
Any responsible business owner wants to protect their business. Commercial liability coverage is one way to keep your business safe. These policies help protect your both you and your business against covered accidents and losses that occur on your property.
You will have to obtain a liability policy for each property you own. The coverage protects a specific property, and the policy is valued for that specific property. You will need different policies for offices and factories, if you have them. Policies values differ, as value is determined based on the property value and your coverage needs. An insurance professional can provide the proper guidance.
As a business owner, you need a policy in place that covers your property and your employees. When you obtain a policy, your commercial assets are protected from accidents, emergencies disasters.
Disability Insurance
What would your or your family be able to live without if you were disabled and lost your ability to earn a paycheck? Individual disability insurance coverage provides a monthly cash benefit when you suffer a sickness or injury that leaves you totally disabled or partially disabled. You can’t predict if or when you will become disabled in your lifetime. But you can plan for a disability by having insurance coverage in place to help provide an income should you become disabled due to sickness or injury and are unable to work. Our coverage can provide a monthly income when it is needed most.
Events Covered:
- Total Disability
- Partial Disability
- Pregnancy
Disability insurance policies offer benefits paid on a cash basis directly to you and are available either individually or through your employer. If you are interested in your employer offering these supplemental health insurance benefits, contact us and we will help walk you through the process.
Workplace Benefits
Workplace Benefits, also known as supplemental insurance, fills the void of significant gaps commonly left by traditional insurance policies. The supplemental insurance provides extra money to help pay out-of-pocket expenses. These policies work well when paired with health insurance or car insurance policies. Anyone with medical coverage should consider one of these supplemental policies. People on Medicare can benefit as well, for cases where Medicare doesn’t provide the proper coverage.
The major benefit of this policy is that it keeps you from having to pay high out-of-pocket costs. With good coverage, you might not have to make any additional payments yourself. When you purchase one of these policies, make sure it is compatible with your current insurance. The policy should help pay for medical bills or other insurance payments not covered by your normal policies.
One of our experienced agents can help you find a policy to fit your needs.
Contact Info
1600 Airport Freeway, Suite 510
Bedford, TX 76022
682-900-2556