Archive for October, 2014

What Every Homeowner Should Know About Fire Safety

Friday, October 31st, 2014

With cold weather now upon us and a whole winter season still to go, homeowners everywhere will be utilizing their heating systems and fireplaces to keep indoor temperatures comfortable. But with these actions comes a certain risk: fires. There are many different things that can become fire hazards if homeowners are not careful, and it is important to both educate themselves about what these hazards are and to ensure that they have the proper home insurance policy to protect against any potential damage. Read on to find out more!

 fireHome Fire Statistics to Know

While there are certainly fire hazards associated more with seasonal causes (i.e. using a fireplace in winter), some risks remain year-round ones. For instance, according to statistics compiled by the National Fire Protection Association, 41 percent of all home fires begin in the kitchen. Burning something on the stove or in the oven can cause a kitchen fire, as can improperly handling certain kitchen safety equipment, such as oven mitts, around open flames. As the gas burner on a stove top can reach a whopping 3,000 degrees in temperature, it is important to note that the risk of fire in a kitchen is very high relative to other parts of the house, and so you should be cautious and attentive when cooking.

Your home insurance policy can be designed to ensure you have coverage in the event of a fire, but it is of course ideal to avoid the fire in the first place. In the winter, homeowners should take note of how their furniture and other belongings are laid out in their homes. Are certain pieces pressed up against the heater or radiator? To best prevent fires, an open space no less than three feet should be kept between a heater and any other flammable object in your home. If you are using candles to provide additional warmth and light in winter, these too need to be carefully monitored and kept far away from anything flammable: Candles cause up to 32 fires per day in the United States alone!

Being cautious, installing proper smoke detectors and alarms, and updating your home insurance policy to account for fire damage are all the essential steps you as a homeowner must take to keep your home safe from fire.

Looking for someone to discuss your home insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Are There Ways to Lower My Home Insurance Premium?

Friday, October 24th, 2014

When it comes to insurance, homeowner’s insurance is one of the most important, must-have types out there. Every homeowner needs to ensure that their home and property are protected no matter what might occur, and finding the right insurance policy is the best way to do that. However, while home insurance is necessary, it is equally important that it fit in to your budget. Read on to find out some potential methods of lowering your insurance premium while still getting the amount and quality of coverage that you need.

Homeowner's InsuranceLowering Home Insurance Premium: Top Tips to Follow

One of the best ways to lower your insurance premium while still bolstering the security of your house is to make additions such as smoke detectors, alarm systems, sprinklers, and dead-bolt locks. These systems are specifically designed to help your home in emergency situations. While the systems themselves may represent an investment, the one-time cost of installing them may be worth it in the long run. Talk to your insurance agent about whether or not these systems could lower your home’s insurance premium in your individual circumstances.

Another method of lowering a home insurance premium is to do what you can to “weather-proof” your home. If you live in an area that is prone to flooding or heavy rains, make sure that your drainage systems are kept up-to-date. If you live in an area that is susceptible to storms and other natural disasters, such as tornadoes, storm shutters and storm doors can make for useful additions. The safer your home is from weather-related damage, the greater your potential for a lowered insurance premium is.

Perhaps one of the most effective ways to keep your insurance premium low is to stick with the same insurance agency, not only in terms of time but in terms of your other policies as well. People who purchase their home and auto insurance policies from the same place or who stay committed to the same agency for an extended period often are able to receive discounted services. Talk to your insurance provider today to find out more!

Looking for someone to discuss your home insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your home insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

http://publications.usa.gov/epublications/12ways/12ways.htm

You’re Never Too Young for Life Insurance

Friday, October 17th, 2014

If you fall into the “Millennial” generation (born between 1980 and 1995), than you are probably still in what most would consider the early stages of getting your life together: buying your first home, starting a family, and so on. With all of those more immediate concerns on your plate, one very important thing might not be making your list yet: life insurance.

While life insurance is not always a priority for younger people, it should be. It is a smart step to take towards being prepared for any eventuality, and it will set you up for a lifetime of responsible decisions. So what are some of the biggest benefits of getting started now with a life insurance policy? Read on to find out!

Life Insurance for MillennialsLife Insurance is more affordable at this stage

The way the premium of a life insurance policy is calculated is by taking into account several factors, your age being an important one. The lower your age, the lower your premium will most likely be. Another thing that keeps costs down? You may be considered more “insurable” now when you have no diagnosed health conditions, rather than later down the line when a health condition might make extra coverage necessary. Securing your policy at an early age may seem like a premature move, but it actually means you’re making a solid investment in your future.

Life Insurance covers you when your job won’t

Even if you have a job with excellent benefits, there are factors that could disrupt your coverage. If you become sick while working and it affects you to the point where you can no longer work as usual, most company policies can drop your coverage altogether. And, as we established before, securing a life insurance policy when you are already ill can be challenging. A company-issued insurance policy may also not provide your family with the protection they need, while one you develop with your life insurance provider can encompass all of your top priorities at once.

Looking for someone to discuss your life insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your life insurance policy so that it works best for you and your needs. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

http://www.eriesense.com/6-reasons-millennials-consider-life-insurance/?utm_source=thisweekaterie&utm_medium=email&utm_campaign=twae10072014#.VDwaNfldUcA

New Laws Could Mean Safer Maryland Roads

Thursday, October 9th, 2014

On October 1, a group of new laws went into effect in Maryland, covering issues ranging from domestic violence to the environment. Several of these laws, however, dealt specifically with driving and the rules of the road. Both Jake’s Law and the extension of the pre-existing “Move Over” law create new stipulations that, along with proper automobile insurance, will keep Maryland drivers safer overall.  Read on to find out the details you need to know about both laws.

 Jake’s Law Addresses Texting While Driving

One of the new Maryland laws that has garnered much attention has been dubbed “Jake’s Law” after 5-year-old Jake Owen, who was killed when a texting driver struck the back of his parents’ car on the highway. According to the parameters of the law, any driver operating a handheld device who is responsible for an accident resulting in injury or death is subject to up to a one year prison sentence, as well as a $5,000 fine, on top of any other additional damages to be paid out.

 Move Over Law Expanded to Include Tow Trucks

Maryland’s “Move Over” law has already been on the books; it states that when an emergency vehicle is on its way to the site of an accident, it is the responsibility of other drivers on the road to merge into the next lane over, when safe to do so, to clear a path. Now, in addition to emergency vehicles, drivers will be required to move over for tow trucks going to attend the scene of an accident. This addendum to the law was created with the view to increase highway safety and clear obstructions from the road in a more efficient manner.

Regardless of the new and existing rules of the road, the fact remains that there are always risks associated with getting behind the wheel of an automobile. While safe, legal driving practices are a must, another way to ensure that you are protected on the road is by purchasing an automobile insurance policy with Wachter Insurance.

Auto InsuranceAutomobile Insurance in Frederick

Looking for someone to discuss your automobile insurance options with? We’re here to help. At Wachter Insurance, we’ll sit down with you and help you to personalize your automobile insurance policy so that it works best for you and your needs. We represent a selection of different automobile insurance carriers, including ERIE, Progressive, AIC, and Foremost. Please call us at 301.371.6335, visit our website, or drop by our Middletown, Maryland office to schedule your personal and informative appointment.

Source:

http://www.wbaltv.com/politics/new-laws-in-maryland-what-to-know-for-wednesday/28311246