Mid Atlantic Insurance Financial

Home Insurance Add Ons You Need in Maryland

Posted on by AgentInsure

The exact kind of home insurance you need will vary based on where you live. The home insurance you need in Texas varies from that in California, and both are different from what you need in Laurel, MD. At Mid Atlantic Insurance Financial, we want to make sure you are properly protected for any situation. Here are few of the home insurance add-ons you should consider when living in the area. 

Flooding Insurance

From rainfall to melting snow, you may be surprised as to how often flooding occurs in Laurel, MD. Additionally, heavy storms can creep up the coast and cause other problems connected with the sudden downpour of water. As flooding occurs more frequently than many realize, this is an insurance add-on you need to look into. 

Technology and Computer Coverage

This is similar to what renters pay when opting in for renter’s insurance. Your home insurance policy protects the house but it may not protect everything inside the house (make sure to discuss this when going over your policy to know exactly what your current policy covers). If you have valuable electronics, computers and other forms of technology, you should look into this kind of coverage. 

Personal Umbrella 

This is an add-on that most homeowners should look into. With personal umbrella insurance, it can protect you against potential lawsuits from both people you know and those just walking past your home. 

Every property is different. Even those properties located specifically in and around Laurel, MD. The property you have may need a different policy add on to properly protect it and to safeguard your investment. Whatever your property is, at Mid Atlantic Insurance Financial we are here to assist. So whether you have questions regarding insurance policies or are ready to begin protecting your home, give us a call. We’re here to help.

3 Things You Can Do To Lower Your Insurance Rates In Laurel MD

Posted on by AgentInsure

The very best thing that you can do to keep your insurance rates low is to simply be a safe driver. However, there’s a lot more to it than that, isn’t there? Safe driving is a foundation for low insurance costs, but it’s only a starting point. Insurers, on average, are taking a bigger risk on, for instance, a teenager who lives in the city than a forty year old who lives in the country. Some of us are lucky enough to be part of just the right demographics so we’ll never be paying very much for coverage, but for the rest of us, we need to find ways to offset insurance risk factors. Here are a few ways you can lower your rates in Laurel, MD.

Consider Insurance Costs Before Buying A Car

The car you buy can have a huge impact on what you’re paying each month for insurance. A reliable compact for instance may cost a third or less than a model that has known safety issues. Of course this might not be an option but it is worth considering if you can.

Ask for Higher Deductibles

The higher your deductibles, the less you’re going to be paying each month.

Take Any Discounts You Can Get

Different insurers will offer different discounts, so make sure to ask about everything from anti theft device discounts to discounts for advanced driving courses. These discounts could wind up saving you hundreds throughout the year.

Mid Atlantic Insurance Financial can help to connect you to an insurer that’s right for you, but there is actually quite a bit that you can do on your own time to ensure a lower rate.