Archive for July, 2015

Protecting Your Home from Heavy Rain

Wednesday, July 29th, 2015

The summer of 2015 in Maryland has been a wet one. We’ve seen numerous storms roll through, causing all sorts of damage and wreaking havoc on our trees and homes. Maybe the rain ruined your vacation or day off from work – or even worse, flooded our home or found its way in through a leaky roof. If you’ve had water damage to your home this summer due to heavy rain, you may want to look at your home insurance policy and find out if it’s working for you.

Heavy Rains Flooding

If you’ve had water damage to your home this summer due to heavy rain, you may want to look at your home insurance policy and find out if it’s working for you.

What Can I Do to Protect My Home?

Although sometimes water damage is simply inevitable during particularly heavy rain and bad storms, there are steps you can take to prevent it. If you don’t already have a sump pump installed in your home, consider getting one, as they can work to pump out water from the inside of your home back to the outside. Have your chimney and roof inspected regularly for leaks. Regular maintenance can save you from huge repair bills down the road. The same goes for your doors and windows – if they’re not in good condition, have them resealed with caulk, as they can let leaks in a well. (more…)

The Importance of Motorcycle Insurance

Wednesday, July 22nd, 2015

If you own a motorcycle, chances are there’s nothing more you love in life than cruising down the highway on your bike and leaving all your troubles in the world behind. However, you probably know there are also some downsides to riding your motorcycle. Erie Insurance and Harris Poll recently conducted a national survey to find out exactly what is causing motorcycle riders grief out on the roads and found out just how important it is to have a great motorcycle insurance company on your side.

motorcycle insurance

Erie Insurance and Harris Poll recently conducted a national survey to find out exactly what is causing motorcycle riders grief out on the roads and found out just how important it is to have a great motorcycle insurance company on your side.

The Results of the Survey

The online survey conducted in June2015 asked motorcycle riders to share their biggest pet peeves in regards to sharing the road with other drivers – of four-wheeled vehicles and other bikes. The results brought light to quite a few dangerous things riders and drivers do out on the roads. For example, the two biggest pet peeves of motorcycle riders were riders who drive aggressively or recklessly (in regards to other bikers), drivers who don’t check their blind spots before changing lanes (in regards to vehicle drivers). And even scarier, the survey found that one in ten riders admitted to not having any motorcycle insurance. That’s 11% of the bikers out on the road! (more…)

Prevent Car Theft this Summer

Wednesday, July 15th, 2015

Vehicle theft is a problem that all of us are concerned about, but may not always take all the necessary precautions in order to avoid. The fact is, car thieves are always on the lookout for an easy target. And one of the top contributors to car theft is, believe it or not, leaving your keys inside your car. Read on to find out what you can do this summer in order to make your car less attractive to thieves.

car theft

The fact is, car thieves are always on the lookout for an easy target. And one of the top contributors to car theft is, believe it or not, leaving your keys inside your car.

Car Thefts with Keys Left Inside are on the Rise

It may seem like common sense, but while vehicle thefts overall are decreasing, vehicle thefts with keys left inside are increasing. Many of us think nothing of leaving the car running while you pop inside the convenience store for a quick second to grab a soda, starting your car fifteen minutes early on a cold winter morning while you get ready inside your home, or more than ever this summer, leaving the air conditioning running in your vehicle for your dog or children while you run an errand. However, according to a report from the National Insurance Crime Bureau, there were 126,603 car thefts with keys left inside between 2012 and 2014. Consider leaving your pet at home and locking the door and bringing the keys with you when you have to leave your car unattended! (more…)

The Best Car Insurance for College Students

Friday, July 10th, 2015
Car Insurance for College Students

College students, make sure to ask yourself these important car insurance questions!

Before you know it, summer will be over and it will be time for everyone to head back to school. Whether you’ve just graduated high school and are headed off to college for the first time or if you’re a rising senior, or if you go to a school out of state or just around the corner, it’s still important that you’re insured. You may be tempted to just go with the cheapest car insurance policy – after all, you are a broke college student – but you really should be looking for a policy that fits your needs and will give you good coverage in case of an incident. We have compiled a few questions college students should ask themselves before picking their car insurance plan: (more…)

Can I Afford Life Insurance?

Wednesday, July 1st, 2015

Whether you’re a college student taking out a student loan, a stay-at-home mom, or looking forward to retiring within the next few years, you may be wondering: is life insurance really a necessity? And more importantly, can I afford it? The answer to both questions is yes! People of all ages and lifestyles can benefit from a good life insurance policy, and it may be a lot more affordable than you’d think. Read on to find out the common misconceptions about the price of life insurance and how much you can expect to actually pay!

life insurance

You may be wondering: is life insurance really a necessity? And more importantly, can I afford it? The answer to both questions is yes!

What People Think

In a 2015 Insurance Barometer Study, three out of four people said they had a solid understanding of life insurance. However, this is not actually the case. When it comes to cost, 80% of the people surveyed grossly overestimated the annual price of a 20-year $250,000 level term life insurance policy for a healthy 30-year-old, guessing anywhere from $400 annually to over $1000! Gen Xers tended to overestimate the cost by 119%, while Millennials overestimated by a whopping 213%! (more…)