Author: AgentInsure

4 Tips for Dealing with a Sinking Foundation

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Crazy changes in weather over the last few years has caused many Laurel property owners to have to deal with sinking foundations. Here are four DO's and DON'T tips for dealing with a sinking foundation.

DO Determine Whether or Not You Actually Have a Problem

Finding out whether or not you actually have a foundation problem is the first step to getting it fixed. If the door jams inside your home do not close tightly or there are cracks in your interior walls, there is a good chance you have a foundation issue. Other signs include cracking porch, driveway, or patio concrete.

DO Test Your Foundation Yourself Before Calling a Contractor

You can easily test your foundation yourself before spending the money to call out a contractor. Take a very large screwdriver and scrape along the foundation concrete of your home. If it chips or flakes, you most likely have a problem. If you aren't able to do any damage, your home might be fine.

DO Call a Licensed Contractor for a Professional Opinion

If your walls are cracking and your foundation seems to be chipping, it is important to call a licensed contractor for a professional opinion. There are many certified professionals in Laurel and across Maryland to help you determine whether or not you have a sinking foundation problem.

DON'T Expect Your Homeowners Insurance to Pay Up

Repairs to a sinking foundation can easily run into tens of thousands of dollars in extreme cases. Some people feel that their homeowners insurance policy will cover the cost of fixing the damage. However, many Maryland policies specifically exclude damage caused sinking foundations and the subsequent repairs. However, contacting your local Laurel insurance agent is ultimately the best way to find out whether your specific situation is covered.

Ready Yourself:Teenager Driving

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Blessing of the cars in your local church warns the world your teenager has keys in hand and has a learners permit. Now the village of Laurel Maryland has become your eyes because your baby is driving. How to protect your teenager becomes your major source of worry. But first and foremost becomes getting the vehicle insured and your teenager to understand they are never alone in the car. Never! I now know where the North Laurel Community Center is. McDonald’s and Starbuck trips have become my new hobbies.

Checking in with local agents for this new adventure in parenting I find changes to my car insurance are required by law. My teenager has suddenly become defined as a liability. As always it cost money. To my relief using an approved driver’s school gives a discount to the added cost. Local agents helped me understand the requirements with my new addition to my car insurance. No talking on the cell phone while driving. No passengers other than family and who is mentoring your driving. No driving 12 AM to 5 AM unless you have a job, volunteered, are on a sports team or went to a school sanctioned activity. How in the heck do you check if they are on the cell phone while driving? If I call I put them in violation. That makes me the driving mentor until my baby is fully licensed.

Talking to local agents have relieved my fears. I know which routes have the most accidents, how to make my teenager understand that the police are about law, and that they answer to the community as well as me. Visit your local insurance agent and bring your teenager. It is nice to not be alone in this parenting activity.

The Difference Between Captive and Independent Agents

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We love the freedom to travel in America. Here in Washington, we know how popular travel is first-hand. The National Museum of History alone gets almost 8 million visitors per year. The National Air and Space Museum adds about another 7 million, while the Lincoln Memorial plays host to just over 6 million visitors. Estimates put total visitors coming into our area at about 20 million annually. Those of us who live in the Washington region can attest to the large amount of visitors based on traffic alone. Travel on any of the area interstates during rush hour and you may think those estimates low. But the ability to travel freely and maintain our independence in this country helps make it great.

It is why we enjoy being an independent insurance agency. While captive agencies can only choose from the particular company they represent, independent agencies have the opportunity to get quotes from multiple carriers. This puts captive carriers in a position of offering limited choices while independent agencies have a wider range of insurance products to choose from. This can be a significant advantage to consumers when searching for the best in life insurance, car insurance and homeowners insurance.

When you get life insurance from an independent agency, you can choose from a variety of products and prices. This freedom of choice allows you the ability to better select the right policy for you and your current situation. Now, you can get these comparative quotes for life insurance right online. Simply fill out our online form and you’ll be presented with a variety of choices.

Finding your best choice in life insurance is easier than ever with a visit to our website. Get the coverage you need affordably, when you contact us for your insurance needs. We are a Washington area independent agency working for you!

Do I Have To Disclose My Illness When Buying Life Insurance In Washington?

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Washington is often listed as one of the healthiest states in the country. They have a low obesity rate, a high life expectancy rate, and have a large percentage of the population that is active. The Seattle-Tacoma metropolitan area has a wide range of options for recreation, as does the rest of the state.

When buying life insurance in Washington, many of these factors are considered. You’re living in a state that is known for its health. However, if you are sick, you need to consider how this is going to affect the cost of insurance because it may make it more expensive.

The insurance companies in Washington look at your health as a factor for establishing how to insure you. If they feel that you are not going to have the same life expectancy as the average person in the state, then it could affect what your insurance costs are because there’s the chance of having to pay out on the policy sooner.

The majority of life insurance policies will require you to list an illness. This will be done within the first application. In some instances, you will also need to submit a physical from the doctor, where your illness would be listed there.

Some policies can be obtained in Washington where you don’t have to list an illness in the application. This way, if you are sick, you can still obtain life insurance – and get it for a relatively affordable rate.

We have experienced agents to help you with life insurance. Let us know you’re sick so we can begin researching companies that don’t require such a reporting factor. Depending upon the actual illness, it may not even be a factor, though it’s a good thing to know in advance to avoid issue.

How The Best Life Insurance Agents Make It Easy To Buy A Policy

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Laurel, Maryland is a medium-sized city that is showing a relatively large amount of growth every year. In comparison to the state average, the city is almost on par in terms of the median household income as well as house value. There are many things to do in Prince George County, including famer’s markets, microbreweries, and Montpelier Mansion.

When you shop life insurance in Laurel, it’s important to speak with agents who are familiar with what’s going on in Maryland. This ensures you are aware of the different life insurance companies as well as specifics to the state. A Maryland agent can disclose more about the specifics so you know what your options are.

Not knowing about what kind of life insurance you need can leave you in a lurch when you do meet your mortality. It’s not something you like to think about, but it is important so you have coverage for your family when you eventually pass on.

A life insurance agent can talk to you about such things as:

– Term versus whole

– Establishing the right term

– How much coverage you need

– An affordable premium

All of these factor in and therefore it can be advantageous to talk to life insurance agents. This ensures you are in the know about everything so you can make a more informative decision about a policy.

We can help with a life insurance policy in Laurel, Maryland. Our agents can take the time to do the research, help you understand the differences that exist between policies, and find a policy that works for your situation and your budget. This makes it easier for you to get what you need without settling for just any policy.

Contact us today and let us get started on helping you with a policy.

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Why Carpet Damage May Or May Not Be Covered On Your Homeowner’s Insurance

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Throughout Laurel, Maryland 20707, there are a number of homes that are valued similar to the state average. The homes can be single or double story and approximately half of the residents are married. The city has been named as one of the best in the state to start a family and it may have to do with its close proximity to both DC and Columbia, Maryland.

When you look at carpet damage, it’s important to see whether it is covered in your homeowner’s insurance policy in Laurel, Maryland. While it’s easy to make assumptions, you want to know all of the circumstances so when you go to submit a claim, you are not denied.

Reasons why carpet damage in the 20707 area may not be covered include:

– Plumbing

– Spills

– Neglect

– Pet/pet stains

– Children

The home insurance company is going to look at why the carpet was damaged and determine whether it was for a legitimate reason or not. If there was a flood, a fire, or something else, it is likely that the claim will be approved and you will get the money to make the carpet replacement.

It’s possible to obtain cheap home insurance and still get the coverage for damage that you need. What you need to do is read the fine print on what is and isn’t covered. The last thing you want to learn is that a claim is denied when you thought it would go through.

Our agents are able to find a cheap policy for you and explain the various ways carpet could be covered. This ensures when you have a home in Laurel, Maryland 20707, the damage is covered by the home insurance. Call us today and let us get started on quotes.

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How Can Smoke Damage Be Repaired?

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When you have a home in Laurel, Maryland, you are centrally located to various metropolitan areas, including Columbia and Washington DC. This ensures you have all that you could ask for within a short drive. Even within the city, you can find gorgeous homes and they are priced similar to the state average.

When you have smoke damage as a result of a fire, it can leave your home less than desirable. There may be a lingering smell of smoke and there could be discoloration on the walls, too. You will want to clean up the damage as quickly as possible.

If you contact a few home remediation companies, they can provide you with a quote on what it will cost to clean up the smoke damage in Laurel. This may have to come out of your pocket, but the first thing to try is to contact your homeowner’s insurance. The policy may be able to provide you with the cost for the repairs so you don’t have to spend any of your own money, with the exception of the deductible.

Much of whether the homeowners insurance policy will cover the smoke damage is why the fire started. If it was accidental or something that could not have been avoided, your insurance may cover it. There is fine print within the policy to say what is and isn’t covered.

By working with an insurance agent, you can learn more about the various ways to get the coverage needed to protect your home in Maryland. This way if there is a fire, you know that the smoke damage will be covered so it’s not an expense you have to incur.

Our agents will be able to provide quotes for your home in Laurel, Maryland so you can get a definitive price on how to protect your home.

What Do I Need To Know About Insuring An Antique Car In Laurel?

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When you’re driving around Laurel, Maryland, there are plenty of things to keep you busy. The bustling city offers museums, art galleries, a weekly farmer’s market, its own brewing company, and more. You will never be without things to do.

When you have an antique, collectible car in Laurel, it’s important you find classic car insurance. This will ensure you get the money to make repairs or a replacement in the event of an accident.

With most insurance policies in Maryland, you get the estimated retail value of a car. This is based upon current Blue Book value. However, when you have an antique, you don’t want the retail value. What you may have paid for the car minus depreciation is considerably less than what the car is valued at. This is why classic car insurance is in a category all of its own.

Various factors are going to be considered when determining the monthly premium. This includes where you live, how the car is stored, and how many miles you drive the car in a year. Once you disclose all of this information, it will be easier to compile a quote for your antique.

You will want to look at how a collectible will be valued in the event that you get into an accident. It may be more expensive to make repairs or make a replacement and therefore you have to read the fine print.

As you purchase classic car insurance in Laurel, you want to get the help to make it easier to get the right coverage. We can help you insure your antique collectible in Maryland. Our insurance agents are experienced and can help to find a quote that gives you the coverage you need at the monthly premium you can afford.

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Does Hail Damage Need To Be A Consideration For Insurance In Laurel?

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Laurel, Maryland is a medium-sized city and offers a wide range of things to do, both indoors and outdoors. The home values are high and so are the incomes. When you explore car insurance in the city, the amount of traffic is factored in, which is why you are always asked for your ZIP code.

During the winter months and even during the hurricane season, hail damage can occur. It can help if you park your car in a garage at night, but during the day while at work, you may not be so lucky. Hail can damage the clear coat of your car in Maryland, so you need to be careful about what car insurance will cover.

When you buy car insurance in Laurel, you have to look at what is and isn’t covered. The state of Maryland requires a minimum coverage for liability. This helps in the event of personal or property damage. However, it will not cover on things that are not driving related – such as hail damage.

This means that when you want the right level of coverage for car insurance, you have to decide whether protecting your clear coat is important. When you experience hail damage, it can affect the clear coat and then cause the paint to peel away and eventually rust.

Comprehensive insurance is the type of coverage you need to explore to be fully protected against hail. While this coverage is in addition to state requirements, it is not going to be considerably more expensive.

When you want car insurance in Laurel to cover hail and other things, call us. One of our agents can go over all of the different options and be sure you know about the fine print within your policy. We will also work hard to find affordable coverage.

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Tips to Maximize Your Business Insurance

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In Laurel, Maryland, there are a number of things to do, such as going to The Gardens Ice House for ice skating, visiting the National Wildlife Visitor Center or having the ultimate family experience at ClimbZone. All of these places have one thing in common: they are businesses and should be protected to prevent damage to their operations or harm to the visitors that frequent the establishment.

Having the right business insurance policy will protect your electronics and other assets from damage or theft. There are a number of policies that may apply to your business, such as Business Owner Policies, Workers’ Compensation, General Liability, and Auto Insurance. A good insurance agent will be able to assist you in find a policy that will meet your budget and provide the best coverage in the Laurel, Maryland area.

Every state has regulations you must follow. It is best to obtain the right information from an agent who can evaluate your business structure and make the best recommendations for you.

Here are a few additional tips to maximize your policy:

  • Assess your needs to make sure have the right policy.

    Make sure you carefully evaluate every scenario before signing on the dotted line.

    Know the coverage in your plan.

  • Understanding what is covered and what may be a loss is key in the event you need to use your policy. Read the fine print.

    Have a backup of all your documents.

  • It is wise to have an off-site copy of all important papers.

    Make sure your contracts cover you and do not leave you open to liability.

Don’t leave your business vulnerable to disaster or potential liability. Get the right policy that will meet the requirements to keep you in operation in the 20707 zip code.