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It’s springtime and that means many people will be shopping for a new home. It seems that around 40% of annual home sales take place between April and June – a period actually known as “the homebuying season”.

If you one of those people seeking to buy a new home, then you probably have a million questions – especially if this will be your first home purchase. Finding a home you like, you’ll want to know about the neighborhood, schools, and much more. You’ll ask about mortgage interest rates and fees and taxes.

One thing that can be overlooked at least at first is how your new home’s size, construction, location and condition will impact your homeowners insurance cost and availability.

To learn which insurance questions to ask, take a moment to view the following video …

Here at our Laurel, MD agency, our highly experienced Community Insurance Services of Maryland agents are always glad to speak with you about any insurance needs. Why not contact us for a no-obligation policy review or to discuss your options.


 

Tuesday, 04 April 2017 18:48

how to protect your engagement ring after a marriage proposal on Valentine's DayCan there really be anything more romantic than a Valentine’s Day marriage proposal? By all means, enjoy the moment and make it a cherished memory. But then don’t forget the practical side of owning that beautiful diamond ring. Jewelry losses are among the most frequent of all homeowners’ content related insurance claims, according to the Insurance Information Institute. While the sentimental value of your engagement ring is impossible to price, you can ensure that it is financially protected in case of loss, theft or damage.

Click on READ MORE below to see what steps totake to protect your ring as soon as possible.

Monday, 13 February 2017 21:14

happy new year homeYour home maintenance probably did not make your list of New Year’s Resolutions this year, but perhaps it should have. Taking care of your home can be measured in dollars and cents when you realize that homeowners insurance claims could be denied if an insurer determines that the loss could have been avoided through proper maintenance.

Click on READ MORE below to see the the best resolutions to start with...

Saturday, 14 January 2017 18:23

black ice - a threat to winter driving, auto accidents and auto insurance claimsWatch for Black Ice – Avoid an Auto Insurance Claim

Black ice occurs when the wet surface of walkways and roads suddenly freezes in rapidly dropping temperatures. Because it happens quickly and is nearly invisible, it is usually unexpected. So it is particularly challenging to drivers. Whether you are a novice driver or a highly-experienced road warrior, you’ll need to know what it is, where it is likely to form, and how to drive on it without becoming an accident statistic.

How Does Black Ice Form?

When light precipitation reaches the frozen asphalt or concrete surface of the road, instant freezing occurs and results in a thin layer of clear ice that is nearly invisible to drivers. Black ice gets its name from the fact that the black road surface shows through this particularly thin layer of ice.

Why is Black Ice so Dangerous?

Black ice tends to be very smooth and thus even more slippery than regular ice with a more irregular surface which will actually allow for some traction. Because it is invisible, a driver may be upon it before they are even aware so they cannot avoid or take precautions.

What Roadways Are Most Prone to Black Ice?

Black ice will be more likely to occur on those patches of roads that do not warm as quickly – those in the shade of trees, buildings, tunnels and overpasses. Of course, bridges are quite prone to black ice since they are exposed to the cold air both on the top surface and underneath and are more exposed to wind.

How Can I Safely Drive on Black Ice?

Be aware when conditions are right for black ice – light precipitation with freezing temperatures. At times like these, slow down, turn off cruise control; and if you sense that you are on black ice, steer carefully avoiding sudden motions until you can move off of the ice patch

How Can I Recover From a Skid on Black Ice?

Once you are into a skid, the technique you’ll use to recover depends upon what type of vehicle you are driving – whether it has front- or rear- wheel drive, all-wheel drive with or without antilock brakes. See “How do I recover from a black ice skid in a front-wheel, rear-wheel or all-wheel drive car?” from Erie Insurance for more advice. 

Auto Insurance Tip

Whether or not you are an experienced a driver and no matter how carefully you drive, accidents can still happen. So before you venture out onto winter roads, be sure that your Auto Insurance offers you complete coverage. It is too late to do so, once an accident occurs.

Here at our Laurel, MD agency, our highly experienced Community Insurance Services of Maryland agents are always glad to speak with you about any insurance needs. Why not contact us for a no-obligation policy review or to discuss your options.


 

Thursday, 01 December 2016 11:03

Porch Pirates stealing pakages delivered to homes after online orderingBurglars no longer have to bother to break into your home. Instead they are turning to “Porch Pirating” where they steal delivered packages from your doorstep or porch. Often, they follow delivery trucks and go right in and remove packages from prime targets as soon as they arrive. They prefer to strike during daytime hours since fewer residents are at home during that time. So how can you avoid becoming a Porch Pirate’s victim? Here are some tips to protect your purchases.

  • Often the vendor will offer you the option to choose a specific delivery time. Then you can arrange a time when you’ll be available to receive the delivery.
  • When ordering online from a large retailer, take advantage of the offer to pick up your package from a local branch store at your convenience instead of having it delivered to your home.
  • Whenever possible, arrange to have deliveries made to a location such as a relative’s house or the home of a neighbor so that they can be received in person.
  • If you must have a package delivered to your home, set up delivery alerts to notify you by phone, text or e-mail at the time the delivery is made. If you cannot accept delivery when you receive the alert, then you can immediately contact a trusted neighbor who can retrieve the package from your porch before any harm can come to it.
  • Arrange for a signature confirmation of delivery so that a package will not be left when no one is home to sign for it. At the same time, consider providing delivery instructions to leave the item at an out-of-sight location such as a back porch.
  • Delivery companies are beginning to offer local pick-up facilities where you can arrange to have your package held until you can pick it up. This is especially helpful if you will be receiving many deliveries at once or something that is exceptionally large or heavy.

In addition to measures you can take to control your package deliveries shown above, you might want to check out this video from USA Today that shows some of the innovative products that are emerging in the marketplace to help you protect packages delivered to your home.


 

Monday, 14 November 2016 15:53
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What Our Customers Have To Say...

I have been a policy holder since 1968 when I was added to my parents' policy. After I married in 1972, my husband and I applied for our own policy. We have always received competent and pleasant service. Robin Marley is our agent, and has been extremely helpful with all of our insurance needs.--- Marsha M.