Insurance Safety Tips
Cyber Insurance: Could One Employee’s Click Cost Your Business Thousands?
One email. One suspicious link. One employee who doesn't realize they're being targeted. That's sometimes all it takes for a cybercriminal to gain access to sensitive business information, financial accounts, or essential computer systems. October is Cybersecurity...
Fire, Smoke, and Hidden Damage: What Does Homeowners Insurance Actually Cover?
When most people think about a house fire, they picture flames causing extensive damage. But a fire doesn't have to destroy your home to result in an expensive insurance claim. Smoke can travel through ventilation systems, soot can damage furniture and belongings, and...
Your Home Changed This Year. Did Your Homeowners Insurance Change With It?
Think about your home today compared with a year ago. Did you replace the roof? Remodel the kitchen? Finish the basement? Add a shed? Buy new furniture or electronics? Start working from home? We tend to think about homeowners insurance when we buy a house—and then...
How Much Life Insurance Do You Really Need? 7 Questions to Help You Decide
“How much life insurance do I need?” It sounds like a question that should have a simple answer. Five times your salary? Ten times? Enough to pay off the mortgage? The reality is that there isn't one life insurance amount that's right for every person or family. Your...
What Happens If Someone Hits Me and Doesn’t Have Insurance?
What Happens If Someone Hits Me and Doesn’t Have Insurance? If someone hits you and doesn’t have car insurance, you may still have coverage through your own auto insurance policy. Uninsured motorist coverage is designed to help protect you when an at-fault driver has...
Be Prepared for the Next Storm: Is Your Insurance Ready?
The recent nor’easter was another reminder of just how quickly Mid-Atlantic weather can change. Heavy rain, strong winds, coastal flooding, falling trees, and power outages can develop quickly and leave homeowners, business owners, and farmers dealing with unexpected...
What Happens If a Tree Falls on Your House, Car, or Neighbor’s Property?
A summer thunderstorm rolls through, the wind picks up, and suddenly a tree is lying across your roof—or worse, across your neighbor’s property. Who pays for the damage? Does it matter whose tree it was? And what if the tree lands on your car instead of your house?...
Hurricane Season Isn’t Just a Coastal Problem: What Maryland & Delaware Property Owners Should Review
When you hear "hurricane season," you may immediately think of beachfront homes, storm surge, and coastal evacuations. But hurricanes and tropical storms don't stop causing damage when they leave the coastline. Heavy rain, strong winds, falling trees, power outages,...
Is Your Business Insurance Keeping Up? 6 Questions Every Business Owner Should Ask
Many business owners purchase insurance, renew it every year, and assume they're protected. But businesses evolve—and if your insurance doesn't evolve with them, you could be left with costly coverage gaps when you need protection the most. Whether you've hired new...
You Don’t Need to Live Near Water to Flood: Why Flood Insurance Matters More Than You Think
When most people think about flooding, they picture overflowing rivers, hurricanes, or homes sitting directly on the coast. It's a common assumption that if you don't live near a body of water, flood damage isn't something you need to worry about. The truth is much...
Buying a New Vehicle? Call Your Insurance Agent First
Purchasing a new vehicle is exciting. Whether you're upgrading to a newer model, buying your teenager's first car, or finally purchasing the truck or SUV you've had your eye on, it's easy to focus on monthly payments, financing, and features. However, many drivers...
Vehicle Costs Are Rising: Is Your Auto Insurance Liability Coverage Keeping Up?
If you haven't reviewed your auto insurance policy recently, now may be the time. While many drivers focus on their monthly premium, fewer take a close look at their liability limits—and that could be a costly mistake. Today's vehicles are more expensive than ever to...