Month: August 2022

Steps You Should Take in the Summer or Fall Months to Prevent Frozen Pipes

Posted on by AgentInsure

Mid Atlantic Insurance Financial, serving the greater Laurel, MD area, can help you obtain the home insurance you need. In some cases, home insurance may cover damage from pipes that unexpectedly burst. However, the insurance company can deny coverage if they deem you did not properly care for or maintain your pipes. Here are a few steps you should consider taking in the summer or fall months to properly maintain your pipes and minimize the chances of your pipes freezing. 

Get Your Pipes Cleaned

One of the most critical steps you should take in the summer or fall months to prevent frozen pipes is to have your lines. When you have your pipes cleaned, also known as hydro blasting pipes, a professional can remove small blockages or narrowing of the pipes that may slow down the flow of water. When water flow is slowed, the water in your pipes is more likely to freeze in freezing temperatures. 

Insulate Outdoor Pipes

Another step you can take in the summer or fall months to help prevent frozen pipes is insulating your outdoor pipes. Insulating the pipes helps to keep them a little warmer, which may be the difference between the pipes freezing or not freezing. 

Consider Adding a Water Alarm

The last step that you can take to possibly help prevent frozen pipes is adding a water alarm. A water alarm will tell you if there are any cracks in your pipes, which could be an early indication that the pipes are freezing and starting to burst. This allows you to shut off the water before the pipes burst completely, helping to prevent significant water damage. 

The Mid Atlantic Insurance Financial team, serving the greater Laurel, MD area, can help you with your home insurance needs. Whether you are looking to obtain a new home insurance policy for your first home or you are looking to change policies on your existing home, we are here to assist you. Call us now to get started.

Auto Insurance Liability in Laurel, MD

Posted on by AgentInsure

Cars are considered the most common mode of transport in Laurel, MD. Nevertheless, this mode of transportation propagates injuries and property damage and sometimes results in a fatality. Therefore, if you own an automobile, it’s prudent to have good auto liability insurance from Mid Atlantic Insurance Financial against calamities like fire and vandalism. If you have a car in Maryland, buying prolific auto insurance is necessary to safeguard yourself and your vehicle. Please contact us at Mid Atlantic Insurance Financial today and get a competitive quote meeting your needs and budget.

Is auto insurance liability mandatory in Maryland? 

Similarly, in many states, auto liability insurance is mandatory in Maryland. Maryland legal law stipulates that every driver must have the minimum requirements, including property damage and bodily injury liabilities. Failure to abide by the directive risks a criminal charge or license suspension. Apart from the state-mandated minimum requirements, it’s wise to weigh other auto insurance options, including:

  • Collision coverage: This type of policy caters to repairing or replacing your automobile when you get into an accident with other vehicles or stationary objects such as a fence or guardrail.
  • Comprehensive coverage: It’s a policy designed to settle for repairs or replacement of your car when it gets ravaged by non-collision scenarios like fire, vandalism, and theft.
  • Underinsured-uninsured motorist policy: Have you ever imagined what could transpire if you have an accident with a driver who is insufficiently covered or not insured? Substantial medical bills, in many cases, are an outcome of accidents. Therefore, this policy pays for impending bills if you are involved in an accident with an uninsured or under-insured driver.
  • Medical payments coverage: Mid Atlantic Insurance Financial policy pays for reasonable and necessary medical costs after an accident. These medical expenses include drugs and x-rays.

Are you a car owner in Laurel, MD, searching for picturesque auto liability insurance to ensure safety for you and your car? Please call or visit us today at Mid Atlantic Insurance Financial and get more detailed information about auto liability insurance.