Maryland Home Insurance: Don’t Hire a Contractor Without Checking Your Liability Coverage

When you are performing home renovations, one of the biggest stresses on your mind will be the safety risks, and liability risks. That is what liability insurance is for.

At Mid Atlantic Insurance Financial, we help Laurel, MD homeowners get the coverage they need for every liability when they are renovating.

Learn more about how to do that right here.

Check Your Home Insurance Liability Policy

One thing you want to do before you hire a contractor or begin any renovations is check your liability coverage. This will protect you in the event of financial loss if an accident or problem occurs for which you are at fault.

When the layout of your home is altered, or you have many people coming and going from your property, you are increasing your liability risks. With contractors comes the risk of broken structures, exposed nails, or danger with construction.

You will want to check your home insurance for your liability coverage limits, to make sure that you have enough to cover you for every risk. Your insurance company can help you to increase your limits.

Liabilities for Home Renovation

When you are undergoing a home renovation, you could incur liabilities. There could be an accident or injury, or a problem could happen for which you are at fault. 

Your home insurance company will want to know what changes you are making to your home, and that you are covered for every potential risk.

Get a Quote

When you are launching home renovations, be prepared before you start. Before you even hire a contractor, check the liability coverage on your home insurance policy. At Mid Atlantic Insurance Financial, we want Laurel, MD homeowners to have enough liability coverage when they are renovating. Call us for a quote today.

10 Simple Tips to Prepare Your Vehicle for the Upcoming Winter Weather

While there are many times of the year that are deemed dangerous to drive, winter tends to be near the top of the list. The reason for this is due to the brutal weather conditions. The conditions can change at the flip of the coin throughout the season. When this happens, will you be ready? The team at Mid Atlantic Insurance Financial wants to share a few simple tips with Laurel, MD residents to ensure that they and their vehicles are ready for the upcoming winter weather.

  1. Service your vehicle. You want to ensure that your vehicle has had an oil change, had all fluids checked, etc.
  2. Test your battery. You want to ensure that your battery is able to hold a solid charge. Winter can be hard on batteries, so you need a good one to start off the season. When your battery is tested, the technician can remove any corrosion that is present.
  3. Check the antifreeze. Whether you do it yourself or have a professional do it, the antifreeze needs to be checked and/or replaced. Without sufficient antifreeze, irreparable damage to your vehicle could occur.
  4. Check the hoses, belts, and spark plugs. This should be part of a vehicle’s overall inspection, but it can be helpful in preventing a car breakdown.
  5. Replace the wiper blades, and consider keeping a spare in your vehicle. Don’t forget to check the levels of your wiper fluid.
  6. Check the tire pressure. Always keep a tire gauge in your vehicle. Your owner’s manual will have a recommended tire pressure for different driving conditions. Just keep in mind that colder weather will result in tire deflation.
  7. Purchase snow tires. This is important, especially if you live in a rural area where roads aren’t as likely to be regularly cleared.
  8. Test the 4WD. You probably haven’t used the four-wheel-drive since last winter, so you want to ensure it’s working before you need it.
  9. Keep your tank full (or as close to it as possible). This helps to prevent frozen gas lines. Plus, if you find yourself stranded, you’ll be able to keep the vehicle running for heat until help arrives.
  10. Pack an emergency kit with all the necessary essentials, such as protein bars, water, flashlight, batteries, blankets, etc. You never know what will happen or when.

The most important thing for you to remember is to ensure that you have proper auto insurance in the event of an unexpected accident. Serving the Laurel, MD area, Mid Atlantic Insurance Financial can ensure you’re properly covered. Contact our team today.