What’s happening? Effective 2/7/2024, new guidelines were rolled out regarding condo master insurance policies in relation to conforming loans with Fannie Mae. The Issues Replacement Cost Value The master property insurance policy must provide for claims to be settled on a replacement cost basis. Property insurance policies that provide for claims to be settled on…
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…
Navigating the intricate landscape of home insurance claims can be daunting, and avoiding common mistakes is crucial to ensuring a smooth and successful process. Whether you’re a first-time homeowner or a seasoned one, understanding the pitfalls to avoid can make a significant difference in the outcome of your claim. The following are the most common…
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 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…
Where was the last public place you visited that had Wi-Fi? These days, nearly every coffee shop, library, airport and hotel offers a way to access the internet from your cell phone or other mobile device. That means the information you have on your phone could be available to hackers in the area – unless…
Having extended family living under your roof — whether it’s just for a visit or longer term — can bring the joys of reconnection, support and togetherness. But a full house is not without its challenges. There’s the potential for additional fire risk due to the habits, routines and electronic devices of those new to…
With energy costs on the rise, you may be wondering how you can reduce or control your winter utility bills. You may even be tempted to simply turn down the thermostat, but there are several ways you can lower your energy bills while staying warm this winter: Use a programmable thermostat to automatically lower your…
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…
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…
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Client Support Team
Deeley Insurance Group
You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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