Month: August 2021

Stay Protected With Home Insurance

Posted on by AgentInsure

There is a lot to take care of when you own a home, and one of these is to find a good home insurance policy and to keep it in place for as long as you own the home. If you need a home policy, give us a call at Mid Atlantic Insurance Financial in Laurel, MD.

Your House

The house itself needs to be insured, and it is covered with a home policy. The policy covers specific types of damage to the house itself and may extend to outdoor structures like sheds and fences. This coverage helps you to repair the home after it has suffered damage from a covered accident, calamity or other incidents. Repairs can quickly go into the thousands of dollars, even if the damage isn’t extensive. Without this coverage, it may be extremely difficult to get repairs made. 

Your Possessions

Like the protection that you have for your dwelling, you also need that protection for your belongings. With your home policy, your possessions are covered against them being damaged, ruined or destroyed. It’s common for all of the belongings in a house to be just as valuable as the house itself if not more so. This is important coverage that every homeowner needs. 

Liability Protection

Just like your house and your possessions, your liability needs to be covered as well to leave you fully protected. This coverage pays for the medical bills of those who fall ill or get injured while in your home or on your property. Without this coverage, it would be up to you to pay them all. 

Get Your Home Coverage

If you don’t have home insurance, it’s time to remedy that problem. Contact us at Mid Atlantic Insurance Financial in Laurel, MD to find out more from an insurance agent. 

3 essential questions to ask yourself before getting auto insurance

Posted on by AgentInsure

While consumer needs change frequently, it’s always a prudent idea to assess your needs before buying anything in Laurel, MD, including insurance. Car insurance plays a critical role in keeping you financially responsible in case of an accident. At Mid Atlantic Insurance Financial, we recommend reviewing your car insurance policy annually to ensure it is up to date with your current lifestyle and budget. With that said, here are three questions to ask yourself when buying car insurance.

How often do you drive?

If you need to use your car every day–to drive to work, take the kids to school, buy groceries or tour the world, you will need to know how many miles you use every month to reflect on your policy. How often you use your vehicle also determines your risk of getting into an accident. If you’re always on the roads, you’re at a higher risk compared to a person who only uses their car during weekends. 

Who else will be driving your vehicle?

When buying car insurance for the first time, it’s always critical to think about other people who may use the car either as drivers or passengers. Both parties are covered in your policy, but your insurance company may need you to list the names of people allowed to drive your car. Remember, if you are listing teenagers who will be driving your car often, your insurance rates will likely go up.

What type of car are you driving?

The type of car you drive heavily affects your insurance costs in many ways. For instance, vehicles with fewer safety features are considered riskier than those with many safety features. Expensive cars are also at risk of getting stolen as they attract massive attention.

Buying auto insurance for the first time in Laurel, MD? Feel free to contact us at Mid Atlantic Insurance Financial and get yourself a customized policy that matches your insurance needs and budget.