1866 Reisterstown Road
Car insurance is required
In most states, you’re required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
Auto insurance: required and additional protection
Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:
But additional protection may include:
Is your boating insurance seaworthy?
Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.
Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.
Boat Insurance: what's covered
Typical coverages should include:
With classics collectibles, one size does NOT fit all
In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.
But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner.
How to qualify for classic and collectible car insurance
When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.
Your Home Is Important, Make Sure It’s Protected
You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Little-known facts about Homeowners Insurance
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
It happens more often than you think…
After running multiple tests, doctors conclude you have an incurable medical condition that may affect the length of life you have remaining.
A million thoughts race through your head. You’re unsure of what to do or whom to call. Your first priority is your family and who will look after their well-being when you’re gone. Will you might be asking yourself:
Or will you be thinking instead of how you will choose to spend whatever time you have left secure in the fact you have a precisely calculated policy to cover your debt and funeral costs?
Recognizing everyone’s situation is unique, which means there are two types of life insurance policies to choose from:
No matter the situation, it is important to know what type of policy best suits your needs, the amount of coverage desired, and most importantly, who the beneficiary will be.
One of the helpful agents at our firm can help you learn more about purchasing a life insurance policy. Having peace of mind knowing that when you leave this world, your family won’t be burdened with your financial hardships.
Motorcycle Insurance: do you really need it?
Owning a motorcycle can be exhilarating, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.
If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.
We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.
What are your coverage options?
There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:
What is covered?
Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:
Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.
Who needs RV insurance?
There are several classes of recreational vehicles and they each need special insurance:
Options for Your RV Insurance Policy
When you insure your RV, you might want to consider these important options:
What is umbrella insurance?
You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps.
Umbrella insurance does not cover:
However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:
Yes, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than raising the limits on your existing policy because it covers for different types of risks. Umbrella insurance is also portable, in most cases, so it can follow you when and wherever you travel.
Since the terms of umbrella insurance policies will vary, depending on insurance companies and your own personal needs, a qualified insurance agent from our firm is the best person with whom to discuss the benefits, restrictions, and coverage from each carrier they represent.