Month: November 2025

3 Steps To Winterize Your Home

Posted on by AgentInsure

As temperatures drop, preparing your home for winter is one of the best ways to prevent costly damage and ensure your family remains comfortable throughout the season. Winterizing helps protect against frozen pipes, heat loss, and unexpected repairs, saving you money and stress when the weather turns harsh.

Protect Your Pipes

Frozen pipes are one of the most common and expensive winter problems. Insulate exposed pipes in your basement, crawl space, and garage. Keep a trickle of water running during extreme cold, and disconnect outdoor hoses before the first freeze. If you’re leaving home for an extended period, set the thermostat to at least 55 F to keep water flowing. Using a thermostat that you can control via your smartphone when you’re away can help keep your home at the desired temperature.

Inspect Your Heating System

Have your furnace or boiler serviced before winter to ensure it’s running efficiently. Replace filters, clean vents, and check for leaks or strange noises. If you use a fireplace or wood stove, have your chimney professionally cleaned to reduce the risk of fire and carbon monoxide buildup.

Seal and Insulate

Drafts can waste significant amounts of energy. Inspect windows and doors for gaps, and then apply weatherstripping or caulking as needed. Adding insulation to attics and basements can further improve energy efficiency and help maintain consistent indoor temperatures.

Mid Atlantic Insurance Financial: Proud To Serve Laurel, MD

At Mid Atlantic Insurance Financial, serving Laurel, MD, our team is here to help you find the right home insurance for your needs. Contact us to schedule an appointment to chat with one of our agents.

Can You Use Auto Insurance for Golf Carts?

Posted on by AgentInsure

Golf carts make it easy to get around town, the golf course, or any large property. However, golf carts can also be expensive to repair or replace if they are damaged. Will auto insurance in Laurel, MD, help cover the cost?

Standard Auto Policies

Standard policies are typically designed for vehicles such as cars and trucks, rather than golf carts, which are often considered recreational vehicles. As a result, most policies do not cover them. However, some insurance companies may let you bundle policies to help save time or money. Contact an agent at Mid Atlantic Insurance Financial to learn whether your policy covers your golf cart. 

Home Insurance Policies

Contact your home insurance company if you primarily use your golf cart on your property. Recreational or liability policies are only required if you drive it on the road. These may not cover things like theft or damage from natural disasters. However, home policies often cover recreational vehicles that are damaged on the property. 

Golf Cart Coverage

You’ll have various coverage options available, just like you do with car insurance. If you drive your golf cart on the road, you need a liability policy with the state minimum requirements. You can also get collision or comprehensive coverage to ensure damage to your golf cart is covered, even if the accident isn’t your fault. Some policies may cover recreational vehicles that are parked on your property, even if you have homeowners’ insurance.

Golf cart owners in and around Laurel, MD, have several options when it comes to insurance policies. An agent at Mid Atlantic Insurance Financial will be happy to help you learn more.