Our Services
Business Insurance
Running a business can be challenging but finding the proper Insurance for your business doesn't have to be. Let Black Diamond Insurance Group do the work for you. You provide us with details about your Business and then sit back while we do the work and provide you with the best coverages and rates possible.
Health Insurance
No one wants to be sick, but when it happens Black Diamond Insurance offers you peace of mind with a variety of health insurance options so you can focus on getting well.
Life Insurance
Black Diamond Insurance offers protection for your family's future with life insurance that fits your needs.
Home Insurance
Homeowner's insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. Homeowner’s insurance also provides liability coverage against accidents in the home or on the property.
BREAKING DOWN 'Homeowner's Insurance'
When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property, before the lending bank can issue him or her a mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have his property covered from loss or damages, the bank may obtain one for him or her, at an extra cost. Payments made towards a homeowner’s insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment, allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.
A homeowner’s insurance policy usually covers four incidents on the insured property – interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect, is the out-of-pocket costs for the insured. For example, a claim is made to an insurer on an interior water damage that occurred in a home. The cost to bring the property back to livable conditions is estimated by a claims adjuster to be $10,000. If the claim is approved, the homeowner is informed of the amount of his or her deductible, say $4,000, according to the policy agreement entered into. The insurance company will issue a payment of the excess cost, in this case $6,000. The higher the deductible on an insurance contract, the lower the monthly or annual premium on a homeowner’s insurance policy.
Auto Insurance
An auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.
BREAKING DOWN 'Auto Insurance'
Auto insurance premiums, or the amount policyholders pay to be insured, vary depending on: age, gender, years of driving experience, accident and moving violation history, and other factors. Most states mandate that all vehicle owners purchase a minimum amount of auto insurance, but many people purchase additional insurance to further protect themselves.
A poor driving record or the desire for more complete coverage will lead to higher premiums. However, you can reduce your premiums by agreeing to take on more risk, which means increasing your deductible.
Specialty Insurance
Whether you are at the lake trying to catch that record bass or taking your camper on a cross country adventure Black Diamond Insurance has got you covered. We offer Boat, RV, and Motorcycle insurance so you can enjoy life we'll take care of the rest.