The Best Age to Buy Term Insurance

Although Laurel, Maryland is a historic town, it is very young…at least in terms of its population. According to the 2010 U.S. Census the average age here is just 33.7 years old. In fact, 70% of us are 44 years of age or younger. That is good news, especially for those looking for term life insurance.

Term life insurance is insurance that covers the insured for a specific amount of years or “term”. It is often sold in periods of ten or twenty year terms. It is particularly valuable to cover a mortgage over the period of the loan. It is also very valuable in covering young families who need large amounts of life insurance. Since term insurance is generally less expensive the younger you are, the best age to buy term insurance is probably the age you are. It will likely only get more expensive.

Term insurance is less expensive than whole life insurance. This makes it an excellent choice for those who want to make sure that not only are their homes and debts paid for, but there is a large nest egg for those left behind. Often times they will want to make sure that a college education for any children is covered by their policy. As the years go by and the children grow up and mortgage gets paid down, the need for such a large amount of life insurance lessens.

If you are a part of Laurel’s youthful population, we invite you to see how affordable term life insurance can be. Contact us for a no obligation quote. If you are in the market for homeowners or auto insurance, you can get a comparative quote right online from our website.

As an independent agency, we search multiple companies for the right coverage at the best price for you. Contact us today and secure the future of your family.

Why Idependent Agents Work For You

The location of North Laurel, Maryland midway between Washington and Baltimore has made it a terrific location for commuters to live. Because of this growing population it is also a perfect place to do business. We are pleased to serve both the residents of North Laurel with personal insurance products and the business community with commercial insurance lines.

One of the reasons we can help so many in our area is our status as independent agents. While some agents, called “captive agents”, can only represent the products of the insurance brand they represent, as independent agents we don’t have such restrictions. This means we have access to a wider range of companies. This ability to better compare providers creates some big benefits for our customers.

First, we can find coverage for your particular situation, whether it is for business or personally. This allows us to better “customize” your coverage with a company that suits you. Secondly, this access to a variety of providers often occurs in better rates. Many of our customers are surprised with just how much money we saved them. Finally, as independent agents that are local, we are here to answer your questions and assist with your claims.

Now, for homeowners and auto insurance, we offer comparative quotes online from our website. Now it is easy to see just how much you can save on your auto or home insurance from the convenience of any internet connection.

If you live or are a business owner in the North Laurel area, we would be pleased to show you how we can help save you money on your business insurance. Visit our website or contact us today. Let our independent agents go to work for you!

Sidestepping a Homeowners Insurance Increase

There always seems to be something going on in North Laurel, Maryland. From seemingly constant sports tournaments to our Community Garage Sale, we have a wide array of events to look forward to. One thing no one looks forward to is seeing an increase in the cost of their homeowners insurance. You are not powerless however. There are things you can do to sidestep a rate increase from your insurance company.

First, and perhaps most importantly, you can compare. Seek out other providers and compare rates. Since we are an independent agency, we can get rates from multiple companies. This gives you several options when selecting your homeowners insurance. It is why so many of our clients not only can sidestep a rate increase, but many times they can actually see a reduction in their rates. That is worth looking into.

Another way you can avoid higher rates is by increasing the deductible on your policy. This is not always the best option as it will lead to more out of pocket expenses in the event of a claim. It is an effective tactic in fighting a rate increase. You also may consider bundling your insurance coverage. Some companies will offer a discount if you have both your homeowners and auto insurance with them.

You can get comparative quotes for both your auto and homeowners insurance from us right online. We invite you to try it and see how we compare. It is simple to accomplish by visiting our website and filling out our online form. We can have you saving money quickly.

We are proud to serve the North Laurel area and welcome you to our insurance family. When you get a notice of a rate increase in your homeowners insurance, contact us or visit us online. We would be pleased to help save you money.

Who Pays For A Replacement Of A Broken Window?

Beltsville is located within St. George’s County of Maryland and offers many things for residents and tourists alike. This includes activities along the Shenandoah River, Dinosaur Park, and various shopping centers. Home values are slightly lower than the state average as well, making it a popular location for people to settle down in.

When you are ready to buy homeowner’s insurance in Beltsville, it’s important to look at what you are covered for so you know when you can make a claim and when you have to pay on your own.

If you experience a broken window, you will need a replacement quickly. This is because it is a security issue, not to mention that it can leave your home exposed to the outdoor elements.

If you have the right coverage, the homeowners insurance is going to pay for the broken window. Once the company has a chance to review the claim, they will pay for the replacement so you can forget that it ever happened.

The insurance company is only going to pay in some instances. If your son throws a baseball through the bedroom window, the claim is likely going to be denied. However, they will likely pay in such instances as:

– Storms

– Fires

– Trees falling

– Contractor issues

It all comes down to what your coverage is on your homeowner’s insurance policy in Maryland. By contacting our agents, we can explore coverage with you and read the fine print to ensure you are covered as much as possible. This can provide you with peace of mind knowing that you can file a claim and the insurance company will pay. A replacement window is not always cheap, so when they pay, it’s always better.

Call and talk to our agents today and we will help you out.