Month: October 2016

Why Laurel, MD auto insurance is important

Posted on by AgentInsure

Located smack between Washington, D.C. and Baltimore, Laurel, Maryland is an ideal place for people who work in either city to own a home and raise a family. With everything close but far enough way that walking or biking is probably out of the question, it also means residents of this town will need a car of some kind to get from place to place. That’s why it’s incredibly important that those who live in Laurel, MD also have auto insurance of some kind. The reasons for this are listed below.

PROTECT YOURSELF AND YOUR FAMILY

While everyone is supposed to have auto insurance in the event of an accident there are many people out there who do not, or don’t want to stick around after an accident occurs. There is also a chance that you could be at fault for the accident and cause injuries to yourself or others in your vehicle. So you will need auto insurance to cover these medical bills just in case something like this happens, so it doesn’t leave you paying an exorbitant amount in the future for an accident that happened in the past.

PROTECT OTHER VEHICLES, AS WELL AS YOUR OWN

Auto insurance also protects your vehicle from any damage that may be inflicted upon it in the event of an accident. But it also protects other vehicles on the road that may be damaged in an accident that is deemed your fault. Without auto insurance or enough coverage on your policy, you could be forced to pay for the repairs to a number of vehicles that could cause a serious financial problem in the future.

HAVE PIECE OF MIND

Just knowing you are covered in the event something unpredictable like an accident occurs makes it easier for you to drive and live in a place like Laurel, MD. And there is no real price you can put on piece of mind.

Laurel, MD means auto insurance policy options

Posted on by AgentInsure

When it comes to choosing the right insurance policy for your Laurel, MD vehicles, there are plenty of options. Rather than spend all your time going around from company to company, trying to find a great deal, you can work with the independent agents at Mid Atlantic Insurance Financial to find a policy. That way you can get information from a lot of different companies all in one place. That can give you peace of mind and the best insurance policy for your vehicle and your needs. Some people want only minimum coverage and others are interested in much more, but it’s still important to choose the right company.

With the number of companies that offer auto insurance today, it can also get confusing when it comes to what type of insurance you need, how much it costs, and which companies are rated the best. If you find a company that is inexpensive but have trouble when you make a claim, that might not be the right company for your auto insurance needs. There are a lot of companies that service the Laurel, MD area, so asking an independent agent to help you choose the right policy is often a much easier, better way of locating what you need and making sure your car is financially protected if you get into an accident.

With Mid Atlantic Insurance Financial, you can get an independent agent who will work with you and give you all the advice you need in order to find the right policy. Getting your questions answered is important, and so is knowing you have someone on your side when you need it. As your life changes, so might your auto insurance needs. Keeping in touch with your agent can help you always have the right auto coverage.

Frequently Asked Questions About Winterizing Your Pipes

Posted on by AgentInsure

During the winter months, water sitting in pipes can freeze in Laurel, MD due to freezing temperatures. When water freezes, it expands. If this happens in the pipes, the expansion can cause the pipe to crack or burst. When water flows through that damaged pipe, you will have a flood on your hand. This is why winterizing pipes is so important. Unfortunately, many homeowner’s don’t know about winterizing their pipes. Here is some information you need to know.

What Winterizing a Pipe Involves

When a pipe is winterized, all of the water is removed from the pipe. This helps prevent the pipe from freezing. Depending on the type of pipe, you may be able to drain the water from the pipes or you may need to call in a professional plumber to remove the liquid from the pipe.

What Pipes Need to be Winterized

You should always winterize pipes that aren’t used during the winter months. This includes sprinkler systems, pool pipes and all of the pipes in summer homes. Additionally, if you plan on being gone from your home for longer than two weeks in the winter, your home’s pipes should also be winterized to prevent problems.

Winterizing your pipes can prevent you from having to file a claim with your homeowner’s insurance because it prevents damage to your home. In addition to thinking about winterizing your pipes, the fall is also a great time to think about your homeowner’s insurance. If you are not sure if your home is adequately covered or if you want to get quotes for a new policy, contact Mid Atlantic Insurance Financial for all of your homeowner’s insurance needs in the greater Laurel, MD area. We can help you determine if your current policy has enough coverage or help you get a quote for a new policy with more or less coverage, depending on your needs. Give us a call today and let us help you with your homeowner’s insurance needs.

 

Freezing Temps and Pipes: What You Should Know

Posted on by AgentInsure

When the weather drops to freezing temperatures, there are increased risks of freezing pipes. However, there are some things you can do to avoid freezing pipes and all of the financial responsibilities that go along with it. Uses these tips from My Mid-Atlantic Insurance Financial to prep your pipes and prevent some burst pipes. 

  • If you have a pool or a sprinkler system in Laurel, MD, before the temperature drops, you should drain the water from the pipes. Do not put antifreeze into these pipes because it can be harmful to the environment as well as your family or pets. 
  • If you have any hoses that you use outdoors, empty them and bring them inside so they will not freeze. If your valve is outside, you should leave it open so the water inside can expand if it freezes. This will prevent it from causing the pipe to break. 
  • Consider insulating your pipes if they are exposed to the outside. You can check for exposed pipes in your crawl space and around your home. If there are any exposed pipes, getting them insulated will help prevent them from freezing.
  • On cold nights, if there is a likelihood of freezing temperatures, you should leave a faucet dripping so there is continuous water movement which can prevent freezing. Additionally, you can open you cabinets to expose your pipes to the warmth inside your home. This will allow the warmer air to circulate around the pipes. 

Freezing pipes can cause a lot of trouble for your home. While it may not seem like a big deal when it is still freezing but once the temperatures rise, you will have a lot of water in your home. Contact My Mid-Atlantic Insurance Financial serving Laurel, MD today to get a quote for home insurance so you can protect yourself in case your pipes do freeze and you need extra home protection.