Hunting Liability Insurance: Do You Need It?

hunting insurance Fall marks the beginning of football and, of course, hunting season! The feeling of being out in your deer stand amongst the peace and quiet of nature is only rivaled by the thrill of spotting a monster buck. With your adrenaline pumping and focus setting in, the last thing on your mind is whether or not your insurance would cover you in case this whole thing goes south and you injury yourself or someone else. The question is, do you know the liability involved for both the hunter and the landowner of the property you may be hunting on? Continue reading Hunting Liability Insurance: Do You Need It?

No Running! Ensure Pool Safety With These Coverages Options

Summer is here and pool “safety” is open!

Pool safety alarmYou’ve been waiting all year, through the piles of snow and the frigid fall temperatures; now it’s time to uncover that beautiful backyard gem, spray on the sunscreen, and set up camp on your patio. But as relaxing as this picture-perfect setting can be, there are many dangerous pitfalls that come along with owning a pool, and thousands of families lose their children each year to drowning or near-drowning incidents’.

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5 Myths We Tell Ourselves To Justify Cheap Insurance

Cheap InsuranceWe hear it all to often; “Insurance is a racket and even when you need it, they won’t pay for your repairs or bills anyway”. It is fair to say that many of those complaining haven’t taken the time to understand their policy or the responsibility to create a relationship with their insurance agent. Of course there are always exceptions to every rule and unfortunately there will always be insurance companies willing do whatever it takes to keep from paying bills and some insurance agents will treat you just like a name on the list. We understand the street goes both ways.

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4 Hazards To Beware Of As Winter Turns To Spring

Pot holesAs the temperature slowly begins to rise and the snow flakes turn to rain drops many exhale a sigh of relief knowing there is a light at the end of this cold, snowy tunnel. Though this may be a refreshing sign to most, it also can be the beginning of new headaches for others. Once the frosty white snow and ice begin to disappear the damaged it caused is suddenly revealed. Now, not all of the damage will be directly from the snow itself as it is more likely the damage came from trying to remove the snow and ice in order to keep roadways safe. Knowing where to look for damage is the first step.

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5 Ways To Keep Your Utility Bills Low During Winter

Wasting-Heating-MoneyAs the temperature continues to plunge, our utility bills tend to start rising. If you’re like us you try to fight the cold until you can no longer bear it. From throwing on an extra sweater to breaking out those comfy slippers; we will do just about anything to keep from cranking up that thermostat. But before you turn up your heat, use these winter tips to help keep your utility bill’s down and your buns from freezing off.

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The 10 Home Buying Commandments

home buyingThe days of simply walking into a bank and telling the loan officer you have good credit with steady income and walking out with the keys to your new home are long gone.

Buying a home is probably one of the biggest purchases most people will make and unfortunately it’s not just as easy as the sign and drive event your local car dealer.

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Home Security: Is It Worth The Added Expense?

0072ca_4b6d259ee07e44b7bf2fb2241718dffc.png_srz_p_304_200_75_22_0.50_1.20_0In 1960 the population of MD, DE and VA combined was 7,513,930 with 114,641 instances of property crime (involves the taking of property, and does not involve force or threat of force against a victim). In 2012 the population of MD, DE and VA combined was 14,987,522 with 369,655 instances of property crime. At first glance we are inclined to believe that we have more crime now than in the 1960’s. But if we look at growth rate and factor in the percentage of crime rate to population, we can see that the crime rate is the same for 1960 and 2012 at 2%.

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Was Clark Griswold Covered For The Christmas Vacation Disasters?

Christmas vacationWe all know and love National Lampoon’s Christmas Vacation. The calamity that ensues from scene to scene makes us glad our families are not this tragic. Now some of you may argue that your family makes the Griswolds look like The Flanders on a good day but despite our crazy families, it is still our job to ensure the family’s safety even during “the most wonderful time of year”.

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Water Damage: 5 Ways To Keep Your Home And Wallet From Being Drained

Water DamageA mop and common cleaning products may not be enough for serious water evasions. With any leak, it’s the water you don’t see that can cause the most concern in your home. Water can contain bacteria, cause mold, rot and other unseen damage not to mention the cost. Water can damage wood floors, walls, carpet, kitchen floors and creep into unseen areas of your home. So when dealing with water damage, immediate actionis can be the difference between

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