Month: February 2020

How To Create A Home Inventory

Posted on by AgentInsure

Being a homeowner comes with lots of built-in stress to go along with all the pride and excitement. You are so happy to actually have a home of your very own but there are so many things that can wrong that it can keep you up at night with worry. Having good home insurance can take some of the worries out of making sure that you are protected but even the top insurance will be counting on you to do your part to make sure that filing a claim goes smoothly. At Mid Atlantic Insurance Financial in Laurel, MD we will make sure you have a good carrier and we can help you to understand how a home inventory can make your insurance experience much less stressful. 

In this day of technology, there are several ways that you can create a home inventory. Walkthrough your home, top to bottom and make a recording with your cellphone of each room. You want to especially focus on the more high priced items. If you have a video camera you can record your contents that way. You can walk through each room with a pad and paper and write down the contents of each room. All of these ways work. In addition, appraisals should be placed with the inventory as well as sales slips and detailed model number. The more information you have the easier it will be to collect in the event of a loss. The inventory needs to be stored in a safe place, the Cloud is an option or if it is a paper copy, in a safe place preferably off the home site. 

Talking with the experienced agents at Mid Atlantic Insurance Financial in Laurel, MD can help to ease your mind when it comes to how to create a home inventory. Stop by the office or give us a call for a no-obligation quote. 

Three things you didn’t know about auto insurance

Posted on by AgentInsure

A lot of consumers are unaware of some important factors regarding auto insurance. If you’re a vehicle owner in Laurel MD, you should know the basics of auto insurance to pick the best policy for you. You can learn more about auto insurance by visiting our website at Mid Atlantic Insurance Financial. 

The following are three things you didn’t know about auto insurance. 

The cost of an auto insurance policy varies significantly between different providers.

You might not be aware of just how much auto insurance policy premiums can differ between providers. You definitely want to shop around and compare costs. You might find that one provider will insure you for significantly less than another provider will charge. 

Motorists have a lot of possible auto insurance discounts available to them. 

You should definitely explore discounts to see if you can save money on auto insurance. You could qualify for discounts based on your driving record. You could bring down your premium with some insurers by taking a DMV driving safety class. You could also get a discount if you bundle your auto insurance with another type of insurance like home insurance. 

Insurers also offer discounts sometimes when vehicle owners make safety updates on their vehicles. If you get some added safety features installed in your vehicle like an anti-theft system, you might qualify for a discount for coverage. 

You have to purchase collision coverage separately. 

You generally have to purchase liability and collision coverage separately. Liability insurance is typically the only type of insurance required by law. You can decide whether you want to add collision coverage to compensate you for damages to your own vehicle. 

If you need to find the right auto insurance in Laurel, MD, we’re here to assist you. Contact us at Mid Atlantic Insurance Financial to learn about our policy options.