Month: September 2023

Protecting Your Valuables: How Home Insurance Covers Jewelry and Collectibles

Posted on by AgentInsure

Your home is filled with memorable items, from family heirlooms to expensive jewelry and collectibles. While your home insurance offers protection, it’s essential to understand how it covers these valuables. Read along as Mid Atlantic Insurance Financial explains, serving the Laurel, MD area.

1. Standard Home Insurance

Most home insurance policies provide coverage for personal property, including jewelry and collectibles. However, the coverage amount is often limited, which may not fully protect high-value items. Standard policies also typically cover common perils like theft and fire.

2. Scheduled Personal Property

You can opt for scheduled personal property coverage to protect valuable items like jewelry, antiques, or fine art. This involves listing and appraising each item, ensuring they’re adequately covered. While it may increase your premium, it offers comprehensive protection.

3. Additional Riders

Some insurers offer specific riders or endorsements to enhance coverage for valuable items. These riders can provide broader protection against various risks, including accidental damage or loss.

4. Appraisals and Documentation

Maintain records, appraisals, and photographs of your valuable possessions. These documents can help streamline the claims process and ensure you receive fair compensation for loss or damage.

Home insurance can protect your valuables, but assessing whether your existing coverage is sufficient is essential. Scheduled personal property coverage or additional riders may be necessary for high-value items like jewelry and collectibles. By taking proactive steps and working closely with your insurer, you can safeguard your treasured possessions. If you have questions about how your home insurance policy may cover your jewelry and collectibles, Mid Atlantic Insurance Financial, serving the greater Laurel, MD area, would love to help you. Call us to schedule an appointment.

Does Auto Insurance Cover Wild Animal Damage?

Posted on by AgentInsure

Auto insurance protects you from risks while on and off the road. Customizing your coverage to offer protection from unexpected events such as wild animal damage is also possible. Let the Mid Atlantic Insurance Financial experts help you get the insurance coverage you need to prevent loss. We proudly serve the residents in and around the Laurel, MD, area. 

Comprehensive Insurance Coverage 

If you have comprehensive insurance coverage, it will protect your vehicle from mishaps and incidents that are non-collision or liability-related. In instances where wild animals damage your vehicle, your comprehensive insurance coverage will provide protection. Examples of feral animal damage can include bears, moose, deer, and raccoons.

If you need to obtain high-quality, comprehensive Auto insurance, our experts can help. We can determine which levels of coverage are necessary to offer you the best blanket of protection against the unexpected. We take the time to learn which policy options match your needs and assist you with submitting documentation to acquire your insurance quickly. We also educate our customers on each policy’s terms and conditions so they can be well informed. We aim to provide insurance products and services that offer peace of mind.

Find Out More 

Having adequate auto insurance coverage is essential to prevent loss associated with risk. If you would like to learn more about comprehensive or any other insurance product we offer, please get in touch with us. Feel free to call or stop by the Mid Atlantic Insurance Financial office, proudly serving Laurel, MD. Don’t guess when it comes to securing your auto insurance coverage. Let us work with you to help you feel secure on and off the road.