Author: AgentInsure

Need to Borrow Money? A Bowie, Maryland Source May be Closer Than You Think!

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Bowie, Maryland has it all. We have easy access to the sports, entertainment and fine-dining options of Washington and even Baltimore, yet we are self-sustaining with our own amenities and services. Need quality healthcare? We have it. Schools? We offer solid public and a wide choice of private schools. We have our own shopping, parks and financial institutions. But if you are looking to borrow money, there may be an option even closer than one of Bowie’s banks.

Your life insurance policy could be the source for needed funds. You see, many life insurance policies, in particular whole life policies, build value the longer you have them. That means these policies will not only protect your loved ones in the event of your death, but they have a cash value that can be accessed while you’re living. To make it even more valuable, many policies have very attractive low interest rates for borrowing the money. These funds can be very handy and easily accessible in cases of emergencies or opportunities.

Should you die before paying the money back, the amount of your loan and any interest will be deducted from the face amount of the policy upon your death. Some view this cash value as a good way to force themselves to set money aside. If you don’t need it, you still have important life insurance coverage. If you do, it can be very helpful.

If you would like to know more about whole life insurance and how it can help you prepare for the future contact us. We are an independent insurance agency who can help you compare from multiple companies to make the choice appropriate for you. If you are in search of homeowners or auto insurance, we offer a convenient way to compare policies right from our website. Give it a try. We look forward to serving you.

The Best Age to Buy Term Insurance

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Although Laurel, Maryland is a historic town, it is very young…at least in terms of its population. According to the 2010 U.S. Census the average age here is just 33.7 years old. In fact, 70% of us are 44 years of age or younger. That is good news, especially for those looking for term life insurance.

Term life insurance is insurance that covers the insured for a specific amount of years or “term”. It is often sold in periods of ten or twenty year terms. It is particularly valuable to cover a mortgage over the period of the loan. It is also very valuable in covering young families who need large amounts of life insurance. Since term insurance is generally less expensive the younger you are, the best age to buy term insurance is probably the age you are. It will likely only get more expensive.

Term insurance is less expensive than whole life insurance. This makes it an excellent choice for those who want to make sure that not only are their homes and debts paid for, but there is a large nest egg for those left behind. Often times they will want to make sure that a college education for any children is covered by their policy. As the years go by and the children grow up and mortgage gets paid down, the need for such a large amount of life insurance lessens.

If you are a part of Laurel’s youthful population, we invite you to see how affordable term life insurance can be. Contact us for a no obligation quote. If you are in the market for homeowners or auto insurance, you can get a comparative quote right online from our website.

As an independent agency, we search multiple companies for the right coverage at the best price for you. Contact us today and secure the future of your family.

Why Idependent Agents Work For You

Posted on by AgentInsure

The location of North Laurel, Maryland midway between Washington and Baltimore has made it a terrific location for commuters to live. Because of this growing population it is also a perfect place to do business. We are pleased to serve both the residents of North Laurel with personal insurance products and the business community with commercial insurance lines.

One of the reasons we can help so many in our area is our status as independent agents. While some agents, called “captive agents”, can only represent the products of the insurance brand they represent, as independent agents we don’t have such restrictions. This means we have access to a wider range of companies. This ability to better compare providers creates some big benefits for our customers.

First, we can find coverage for your particular situation, whether it is for business or personally. This allows us to better “customize” your coverage with a company that suits you. Secondly, this access to a variety of providers often occurs in better rates. Many of our customers are surprised with just how much money we saved them. Finally, as independent agents that are local, we are here to answer your questions and assist with your claims.

Now, for homeowners and auto insurance, we offer comparative quotes online from our website. Now it is easy to see just how much you can save on your auto or home insurance from the convenience of any internet connection.

If you live or are a business owner in the North Laurel area, we would be pleased to show you how we can help save you money on your business insurance. Visit our website or contact us today. Let our independent agents go to work for you!

Sidestepping a Homeowners Insurance Increase

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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.

Who Pays For A Replacement Of A Broken Window?

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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.

Do I Need Specific Coverage To Make A Personal Injury Claim?

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South Laurel, Maryland is a relatively small city that’s conveniently located between Washington DC and Baltimore. The benefit to this location is that residents are close to it all – monuments, many top employers, and plenty of activities for the whole family. There are also some incredible homes throughout the 20708 area – and many are priced within the average of what’s found through the rest of the state.

It’s important to look at homeowners insurance as to the kind of coverage that you have. There can be all sorts of surprises in and around your home in the 20708 ZIP code and you want to be prepared for them all.

If someone hurts themselves on your property, or even driving home from a party where you served alcohol on your property, they have the potential to file a personal injury claim. Such a claim can be very expensive to you because of the cost to provide compensation as well as legal costs. This is when you’re going to turn to your homeowner’s insurance to cover the costs on your behalf.

In order for the insurance company to accept your claim, you need the necessary coverage. Not all policies will automatically cover a personal injury claim in Maryland. This means you need to be on the lookout for this coverage as you shop for a policy. Otherwise your claim will be denied and you could be financially responsible for it all.

The good news is that we have knowledgeable agents to walk you through your option with homeowner’s insurance in South Laurel. We will go over the levels of coverage for personal injury claims so you can make sure you are protected from every angle.

Contact us today and let us begin searching for quotes for you.

How Do I Get Cheap Insurance In Maryland?

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There’s a small community of about 5,000 residents in Howard County by the name of North Laurel. This area of Maryland has a number of residential neighborhoods as well as a large community park. It’s family oriented and many small businesses are located nearby, providing a stable economy.

When you are exploring cheap insurance in North Laurel, it’s important to work with agencies, not companies. If you were to call the different insurance companies, they’re all going to try and sell you on things you don’t need. It can also be time consuming to try and get quotes from the many companies throughout Maryland.

We offer a solution. We are one of the top car insurance agencies and this allows you to focus on a cheap policy without spending a lot of time on the process.

You can work with one of our agents and we will talk to you about such things as:

– The type of car(s) you drive

– The kind of coverage you need

– Your driving record

– Your budget

Once we find out about all of this, we can get quotes from the different insurance companies. The only way to know if you’re getting a cheap policy is by looking at what all the companies are ready to charge. You could go with the first company, but they could be the most expensive and you won’t know unless you have a point of reference.

When you’re ready to shop for car insurance in North Laurel, you can call us. We are prepared to help every step of the way. Our agents are knowledgeable and can answer questions about coverage and make recommendations. Most importantly, we can try to find you the cheapest policy around so you can get the necessary coverage without going broke.

4 Things To Know About Car Insurance Quotes

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South Laurel, Maryland is characterized by a number of small businesses that help to keep the economy strong. Home prices are slightly higher than the state average, though incomes are slightly less. Residents are within close proximity to two metropolitan areas – Baltimore and Washington DC. This provides access to many job and recreational opportunities for those who live in the 20708 ZIP code.

When you are looking at car insurance quotes, there are several things you need to know.

1. What is the coverage?

You have to maintain at least the minimum level of liability as required by the state of Maryland. However, the policy quotes can also include comprehensive, collision, and much more.

2. Is the company reputable?

Not all companies are reputable and sometimes the lowest quotes come from companies you want to stay away from. By working with one of our agents we can navigate you away from the bad and towards the good.

3. What is the cost?

Car insurance in South Laurel can be affordable, but the only way to be sure you are getting the best deal is to have multiple quotes in front of you so you can make some comparisons.

4. What does it include?

The car insurance quotes that you receive need to be specific in terms of what they include. This goes above and beyond coverage. For example, is the quote for a monthly payment or do you only get the quote if you pay in advance for six months? Some companies offer 24/7 service, online payments, and even roadside assistance. Before you grab a policy, be sure you know what it includes.

We have some of the best agents around and can help to get you a policy in South Laurel that is comprehensive of various forms of coverage and is affordable. Call us today!

3 Things To Explore When Adding A Learner’s Permit To A Policy

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Laurel, Maryland is conveniently located between Baltimore and Washington DC. As a result, many people choose to commute north or south for work. There are still plenty of things to do within Laurel as well. Various small businesses exist and there are recreational facilities for the whole family.

With so many opportunities to be on the road, it’s important to pay attention to car insurance. When you have to add a learner’s permit to your policy, there are several things you will want to explore.

1. Cost of insurance

The cost of insurance is likely going to go up and that’s because there’s more risk involved. The insurance company knows that young drivers are one of the largest demographics responsible for causing accidents. There is good news, however. Agents can work on finding quotes from different car insurance companies and one may come in cheaper than your current company.

2. Increase in liability

The minimum liability in Maryland may not be enough. You may want to increase coverage for personal injury and property damage liability to protect yourself financially.

3. Other coverage options

As you are making changes to your policy, it’s a good idea to look at some of the other coverage options that you may be missing out on. This can include collision and comprehensive coverage, rental car coverage, as well as uninsured and underinsured motorist coverage. Our agents can get you quotes so you know how much more it would be each month to add these coverage options so you are protected against it all.

Adding a learners permit to your policy may be necessary once your children become of driving age. However, there are ways to explore the cost of coverage.

Contact one of our agents today and let us get quotes for a policy in Laurel, Maryland.

Do You Need Special Event Insurance?

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It doesn’t matter if you’re throwing a huge Christmas party for your employees at the Snow Hill Manor or hosting a fundraising gala for the community at The Loft Ballroom, your primary focus is probably on planning the event. However, your main focus should be on whether or not you’re covered if someone decides to sue your business in Laurel, Maryland. Any type of special event, including trade shows, fundraisers, holiday parties and even weddings, may require that you have special event insurance to ensure you are protected.

How Does It Work?

Special event insurance is a short-term policy that is offered by many insurance carriers. It simply protects your business if a liability issue crops up. For examples, let’s say that you were hosting a fundraiser at a hotel ballroom. You hire a catering company for a very fancy dinner. Unfortunately, a fire erupts in the hotels’ ballroom kitchen. You are financially responsible for the damages that the fire causes. Luckily, with special event insurance coverage, you are safe and protected.

What Is Covered?

This will usually depend on the specific type of event that you are throwing, but in general, these coverages are available:

  • General Liability

  • Slip and Fall Accident Coverage.

  • Liquor Liability.

  • Property Damage Coverage.

  • Cancelation Coverage (in case the event must be canceled)

Special event insurance can be tricky because it will only cover losses that are specifically outlined in your insurance policy. Therefore, you need to make sure that you fully understand what’s covered and what isn’t before committing to a policy. Get in touch with one of our independent commercial insurance agents today to obtain quotes on special event insurance or any other type of business insurance that you may need. We’re dedicated to ensuring your business in Laurel is a success and that means having accurate insurance protection.

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