Exterior of large two-story brick home with two-car garage. Large blue recycling bins at the roadside and deep blue skies all around.

Tips for Home Insurance Buyers in 2024

While most significant factors, such as weather conditions, climate change and economic inflation, are out of the control of homeowners, policyholders must still consider steps they can take to mitigate rising premiums and find any potential savings that may be available. Retaining adequate insurance protection is vital for financial security, even during difficult times. Consider…

Hurricanes and Your Homeowners Insurance Policy

As a homeowner, it’s essential to understand what types of hurricane damage are covered by your homeowners insurance policy and what additional endorsements or policies you should consider to ensure that you’re adequately protected. Types of Hurricane Damage Covered by Homeowners Insurance Policies Most homeowners insurance policies provide some financial protection against damage caused by…

What If I Make Changes to My Property or Lifestyle?

WHAT IF GOOD STUFF HAPPENS? What If I Want To Rent My Home On Airbnb? Not every insurance provider will offer coverage if you decide to rent out your home or condo unit while you’re not using it. Call your insurance advisor to discuss the details. Short-term rentals might need an endorsement to your current…

Maryland Reserve Studies and Your Association

The Maryland Condominium Act and Maryland Homeowners Association Act require associations to undertake a reserve study at least once every five years. Delaware and Virginia already required reserve studies, but all 50 states are developing similar requirements as a response to the tragic collapse of the Champlain Tower South condominium in Surfside, Florida. Maryland Reserve…

Home Safety for Winter Storms

Winter weather often leads to power outages, but improper use of emergency generators and other heating devices can lead to illness and carbon monoxide (CO) poisoning in your home. Keep your family warm – and safe – by installing a CO detector and taking a few vital precautions. Emergency Generator Safety Do not run gasoline engines…

Fall Home Maintenance

Fall signals a natural time of transition. Fall is also a great time to get maintenance tasks done if you live in an area where cooler weather is right around the corner. Care for your home this upcoming season by maintaining your home with the following tips: Clean gutters and downspouts. Clear leaves and debris…