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Independent VS Exclusive Insurance Agent
Most insurance shoppers aren't aware that they have a choice in the type of insurance agent that they do business with. There are two types of insurance agents, Exclusive( also known as captive) agents who represent one insurance...
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Disaster Safety Kit Give away
Last month we emailed our customers about the importance of being prepared for a disaster and the idea that everyone should have a disaster safety kit in your home. In the email we included a link to the FEMA website where you could...
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The Year of the Rate Increase
After two years of auto and home insurance rates remaining relatively steady in addition to Covid relief from insurance companies, the time for insurance premiums to go up has arrived. For anyone who actually pays attention to my blogs...
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June Is Wedding Month! Do You Need Insurance For Your Special Day?
Traditionally more couple get married than any other month of the year and with life beginning to return to normal after the Corona virus pandemic, this June will likely be no different. We have seen so many wedding plans change since...
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THE CICADAS ARE COMING!
In the Maryland and D.C. Region, the Brood X 17 year cicadas are expected to start emerging sometime between the first and second week of May. As billions of these gross, but harmless red eyed bugs emerge, they will mate, lay their...
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Don't Forget Your Umbrella!
A personal umbrella insurance policy is an often overlooked, but very important component in complete insurance protection. Umbrella insurance is designed to give you extra liability insurance over and above your other policies in...
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SPECIAL NOTICE! Maryland is stepping up uninsured motorist enforcement.
As I am sure most of you are aware, as part of Maryland Governor Larry Hogan's emergency order for the Coronavirus, the state has not been enforcing many of laws regarding motor vehicle registrations and licensing requirements. In...
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Auto Insurance Rates Have Gone Down... For Now
Auto insurance rates have gone down countrywide for the first time in over a decade, decreasing by 1.4% across the U.S. Over the last 10 years rates have risen 106% countrywide so the slight decline in premiums is welcome news for...
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Businesses of all types and sizes need Cyber Insurance
Today all businesses are vulnerable to a cyber attack. No matter how large or small or what type of business, if you have computers and use email and/or the internet you have an exposure to a cyber crime. Until recently, the insurance...
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Insurance You May Need When Starting a Business
Thinking about starting your own small business? Thats fantastic! Now get ready for the hundreds of decisions that need to be made before opening your doors. One of those decisions is to decide what business (commercial) insurance...
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What is Telematics?
Telematics of "usage based insurance" is a current trend in the insurance industry that measures your driving behavior to determine a personalized premium for you car insurance. It incorporates technology by temporarily installing a...
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Why did my Auto Insurance Rates go Up?
Car insurance rate increases are one of those things that seem to be as certain as death and taxes. Rate increases happen for many reasons, but the most frustrating increases are those that occur when the policyholder has not had any...
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