There always seems to be something going on in North Laurel, Maryland. From seemingly constant sports tournaments to our Community Garage Sale, we have a wide array of events to look forward to. One thing no one looks forward to is seeing an increase in the cost of their homeowners insurance. You are not powerless however. There are things you can do to sidestep a rate increase from your insurance company.

First, and perhaps most importantly, you can compare. Seek out other providers and compare rates. Since we are an independent agency, we can get rates from multiple companies. This gives you several options when selecting your homeowners insurance. It is why so many of our clients not only can sidestep a rate increase, but many times they can actually see a reduction in their rates. That is worth looking into.

Another way you can avoid higher rates is by increasing the deductible on your policy. This is not always the best option as it will lead to more out of pocket expenses in the event of a claim. It is an effective tactic in fighting a rate increase. You also may consider bundling your insurance coverage. Some companies will offer a discount if you have both your homeowners and auto insurance with them.

You can get comparative quotes for both your auto and homeowners insurance from us right online. We invite you to try it and see how we compare. It is simple to accomplish by visiting our website and filling out our online form. We can have you saving money quickly.

We are proud to serve the North Laurel area and welcome you to our insurance family. When you get a notice of a rate increase in your homeowners insurance, contact us or visit us online. We would be pleased to help save you money.

Beltsville is located within St. George’s County of Maryland and offers many things for residents and tourists alike. This includes activities along the Shenandoah River, Dinosaur Park, and various shopping centers. Home values are slightly lower than the state average as well, making it a popular location for people to settle down in.

When you are ready to buy homeowner’s insurance in Beltsville, it’s important to look at what you are covered for so you know when you can make a claim and when you have to pay on your own.

If you experience a broken window, you will need a replacement quickly. This is because it is a security issue, not to mention that it can leave your home exposed to the outdoor elements.

If you have the right coverage, the homeowners insurance is going to pay for the broken window. Once the company has a chance to review the claim, they will pay for the replacement so you can forget that it ever happened.

The insurance company is only going to pay in some instances. If your son throws a baseball through the bedroom window, the claim is likely going to be denied. However, they will likely pay in such instances as:

– Storms

– Fires

– Trees falling

– Contractor issues

It all comes down to what your coverage is on your homeowner’s insurance policy in Maryland. By contacting our agents, we can explore coverage with you and read the fine print to ensure you are covered as much as possible. This can provide you with peace of mind knowing that you can file a claim and the insurance company will pay. A replacement window is not always cheap, so when they pay, it’s always better.

Call and talk to our agents today and we will help you out.