Ensuring You and Your Boat are Safe in Dark Waters

Night boating is a fun and relaxing way for Annapolis, MD residents to take a break from work and their daily routines, but night boating can also become dangerous quickly. When it comes to boating adventures at night the risk exposure to accidents drastically increases, so it is essential that you are prepared. Here are a few tips to ensure you and your boat is safe in dark waters.

Equipment and Procedures

One of the first things to do before venturing out at night in a boat is to check your equipment. Make sure the motor is in top condition, there are life jackets for everyone on the boat and inspect the hull to ensure there are no leaks. It is also important to know the procedures in case of an emergency. Keep in mind that darkness can cause you to misperceive your surroundings, so after dark, you should only boat in waters you are familiar with. Make sure you have a radio, flashlight, flares and fire extinguisher on board.

Be Clothing and Climate Ready

To avoid being stuck in a wind, rain or hail storm, before heading out be sure to check the weather forecasts. Dress comfortably and always bring along extra clothing in case you become stranded. Make sure the boat is stocked with additional towels and blankets.

Don’t speed

One of the most common causes of boating collisions and injuries is speed. It is dangerous enough to speed on the water while the sun is shining, but speeding on dark waters can be life-threatening. Keep in mind that there may be other vessels on the water, so slow down and enjoy the ride.

Regardless of whether you are heading out on the water in broad daylight or in total darkness, it is critical that you make sure someone else knows where you will be boating, what your boat looks like, how many passengers will be on board and what your intended departure and arrival schedule is.

Residents in the Annapolis, MD and surrounding area interesting in learning more about boat insurance should contact Ramsey Insurance.

 

Ensuring You and Your Boat are Safe in Dark Waters

Night boating is a fun and relaxing way for Annapolis, MD residents to take a break from work and their daily routines, but night boating can also become dangerous quickly. When it comes to boating adventures at night the risk exposure to accidents drastically increases, so it is essential that you are prepared. Here are a few tips to ensure you and your boat is safe in dark waters.

Equipment and Procedures

One of the first things to do before venturing out at night in a boat is to check your equipment. Make sure the motor is in top condition, there are life jackets for everyone on the boat and inspect the hull to ensure there are no leaks. It is also important to know the procedures in case of an emergency. Keep in mind that darkness can cause you to misperceive your surroundings, so after dark, you should only boat in waters you are familiar with. Make sure you have a radio, flashlight, flares and fire extinguisher on board.

Be Clothing and Climate Ready

To avoid being stuck in a wind, rain or hail storm, before heading out be sure to check the weather forecasts. Dress comfortably and always bring along extra clothing in case you become stranded. Make sure the boat is stocked with additional towels and blankets.

Don’t speed

One of the most common causes of boating collisions and injuries is speed. It is dangerous enough to speed on the water while the sun is shining, but speeding on dark waters can be life-threatening. Keep in mind that there may be other vessels on the water, so slow down and enjoy the ride.

Regardless of whether you are heading out on the water in broad daylight or in total darkness, it is critical that you make sure someone else knows where you will be boating, what your boat looks like, how many passengers will be on board and what your intended departure and arrival schedule is.

Residents in the Annapolis, MD and surrounding area interesting in learning more about boat insurance should contact Ramsey Insurance.

 

Who Benefits from Umbrella Insurance?

Insurance is something that we all need to have in place but there are certain types of insurance that are more beneficial to some than to others. Umbrella insurance is a good example of a particular type of insurance that is not necessarily beneficial to all users. For those that live in the Annapolis, MD area, the agents with Ramsey Insurance can help you determine what type of insurance is best for you.

Umbrella insurance is first and foremost a type of insurance that is added to other policies. In order for it to be truly beneficial, you need to have some sort of insurance already in place. This type of insurance is going to help add extra coverage to policies that you are already paying for. This type of insurance is most beneficial to those that are looking to add a bit more coverage to what they are already paying for.

A good example of what type of insurance would benefit from umbrella insurance is adding extra coverage to a car policy if you have a high-risk driver on your policy. Another type of policy you may want to add it to would be a home policy or a property policy that needs just a bit more coverage over what is already part of your policy. You can also use this type of insurance if you are traveling and want a bit more coverage to make sure that if something happens you are covered.

Overall, not all people are going to benefit from umbrella policies but those that simply need a bit more coverage and do not want to take out more on a primary policy are going to benefit most from an umbrella policy. For those in the Annapolis, MD area, the agents with Ramsey Insurance can help you find the perfect policy.

Why do I need condo insurance if I don’t own the actual property?

If you own a condo in Annapolis, MD, you have probably been encouraged to get condo insurance. You probably share some of the physical property with other the other condo owners, such as the walls and possibly the entryways and pool. So you may be wondering why you should get condo insurance, which is like a homeowners policy, instead of a policy which only covers your personal possessions.

At Ramsey Insurance, we help our clients find policies to protect their condominiums in case of loss due to fire, burglary or other unforeseen circumstances. The individual’s policy protects their part of the physical property, including the walls, and all their personal possessions. This can include their appliances, clothing and other personal items. The fees they pay their homeowner’s association to go towards an insurance policy that will protect the common areas.

Another reason it is important to have condo insurance is to protect yourself against a lawsuit. For instance, if someone fell inside your condo and got hurt, you could be ordered to pay the medical bills out of your own pocket if you didn’t have insurance. 

There is no legal requirement to purchase condominium insurance, but failure to do so could result in great losses. Also, if you still have a mortgage on your condo, your lender will require you to carry an insurance policy to protect their investment. 

If you have a condo in Annapolis, MD, you want to know that you are protected in the event of a loss. Call Ramsey Insurance today to find a policy that gives you the security you need. 

Tips for the First 24 Hours After a Flood

If your home experiences a flood in the Annapolis, MD area, there are things you want to do within the first 24 hours.  These are the best practices for the safety of your home, loved ones, and will give you the best possible outcome.  Be sure that your home is safe for you to return to avoid unnecessary risks.

  • Visibly check for any structural damage.  Structural damage may be seen as warping, cracks, holes, or cracked foundation.
  • Have the utility companies inspect the home if you suspect water damage to gas, electrical, water or sewer lines.
  • Take pictures before removing any water or before any repairs are started.  Documenting the damage with photographs or video is important for your insurance company.
  • Protect yourself from possible contaminants in the water, even if it appears to be clear it could contain chemicals or sewage.  Wear waders, waterproof boots and use rubber gloves for cleaning.  Dispose of any food that came in contact with flood waters.
  • Contact your insurance company as soon as reasonably possible.  Flood damage often is covered by a basic homeowner’s policy, so you’ll want to work with your agent to determine the extent of coverage based on the coverage you carry and the cause of the flooding.
  •  Begin removing the water after it’s approved by your insurer.  A sump pump is often a good choice to help remove the water.  Open all doors and windows to get fresh air circulating.
  • Begin assessing possible mold damage.  Carpets should be professionally treated to decrease the possibility of mold.

Ramsey Insurance

Ramsey Insurance has been providing insurance in the Annapolis, MD area since 1989.  Their primary focus is on customer care.  Contact a Ramsey Insurance agent today to discuss your flood insurance needs. 

Will Home Insurance Cover Mold?

Mold is not only sneaky, it’s also one of the more expensive home repairs that a homeowner can possibly come up against. Finding a small patch of it may lead to a much bigger patch living somewhere just out of sight, and it can cost thousands of dollars to remove. But when a homeowner gives their insurance company a call to take care of all those costs, they might be surprised at the answer they get. See what you can expect from your insurance company if you happen to find mold in your home in Annapolis, MD. 

Short Answer 

Most of the time, home insurance will not cover any damage to the home caused by mold. There are certain policies in Annapolis MD where mold will be covered if the mold was determined to be brought about by a specific event that was covered in the policy. However, general water damage from poor ventilation or general structural decay is unlikely to be covered. (Homeowners are highly encouraged to have their home inspected for potential problems that may lead to mold. This general precaution can save countless dollars and future headaches.)

Long Answer 

Mold is usually covered if it’s a direct result of a fire, criminal activity (theft or vandalism), a falling object or a frozen pipe. It may even be covered in the event of a malfunctioning appliance. The best way to find out more about how to protect your home from mold may be to call an insurance agent after you call a home inspector. Ramsey Insurance can give you the tips and the policy you need to virtually ensure that your home will never suffer from mold damage. Calling Ramsey Insurance today an give you the resource you need to get the answers you trust. 

What Is A Motorcycle Endorsement?

While each state has different laws when it comes to universal or partial helmet laws, all states require motorcyclists to have an endorsement on their driver’s license. An endorsement indicates that the rider has met the requirements of the state to ride safely on public roadways. The agents of Ramsey Insurance can help residents in Annapolis, MD get the information they need to apply for the motorcycle endorsement.

Getting A Motorcycle Endorsement

In order to get a motorcycle endorsement, you must go to the MVA (Motor Vehicle Administration) and apply for a motorcycle license. If you are under the age of 18, this includes taking a written test and passing a skills test that involves an obstacle course and general handling maneuvers. Individuals over the age of 18 are not required to obtain a permit, but are encouraged to take a motorcycle safe driving course to ensure they understand how to operate their motorcycle in all types of situations. 

Why Is A Motorcycle Endorsement Required?

A motorcycle endorsement is a designation that is placed on your Maryland driver’s license that states you have completed the requirements to ride a motorcycle on public roads. The endorsement will indicate whether you have a learner’s permit or have met the necessary requirements to ride without any restrictions.

At Ramsey Insurance, agents encourage their customers to take the motorcycle safety course to ensure they understand the rules of the road, in addition to having proper knowledge about how their motorcycle works. If you live in the Annapolis, MD area and are interested in learning more about how to get your endorsement, schedule an appointment today to find out how adding a motorcycle will affect your policy and how to stay safe on the roadways while riding.

Will My Insurance Cover Me If I’m Not Wearing A Helmet In A State With No Helmet Law?

Only 3 states out of 50 have no helmet law in place. The other 47 either have a universal helmet that requires everyone to wear a DOT approved motorcycle helmet or a partial law that requires individuals of a certain age to wear them. The agents of Ramsey Insurance can explain Maryland’s universal helmet law to you if you have any questions. Residents in the Annapolis, MD area who travel out of state on their motorcycles should make sure they have the appropriate coverage before they leave.

Not All State Laws Are the Same

There are two types of helmet laws. Universal helmet laws require everyone, no matter what their age or their level of expertise to wear a helmet while on the road. This includes both operators and their passengers. A partial helmet law means that riders under the age of 18 and those who are still riding on a permit must wear a helmet, while individuals over the age of 18 with a full endorsement can make the choice for themselves.

Wearing A DOT Approved Helmet Saves Lives

It’s been proven for many years that DOT approved helmets save lives. They can reduce the risk of dying in a motorcycle crash by almost 37%. No matter how good of a rider you are you can’t control how others drive. While your insurance may cover your injuries if you are involved in an accident, they won’t cover the cost of a funeral.

If you live in Annapolis, MD or any of the surrounding communities, contact the agents of Ramsey Insurance to find out how the helmet laws in Maryland affect you. They will answer your questions and make sure you have the best policy to fit your needs.

Why Do I Need RV Insurance?

If you are looking to tour the country, one great option would be to buy an RV.  If you are looking to buy an RV, you also need to make sure it is properly insured.  For those that are in the Annapolis, MD area, there are several reasons why you should have RV insurance.  

Stay in Compliance With Law

One of the main reasons why you should have RV insurance is because you will need it to stay in compliance with the law.  Similar to any other type of vehicle that you drive, the state of Maryland will require you to carry liability insurance on an RV.  In Maryland, you will need to have a minimum property damage liability coverage of at least $15,000 and minimum bodily injury liability coverage of $30,000 per person and $60,000 per incident.  Both of these types of coverage will provide financial support for the other parties in the event you are found to be liable for an accident.

Protect your Asset

While the state will only require that you carry liability insurance, it may also be a good idea to protect your assets. Since an RV is such a big investment, you will want to have it protected from theft, damage, and vandalism.  In order to have this type of coverage, you will also need to have a collision and comprehensive insurance policy in place. Furthermore, if you have a loan on your RV, your auto lender will likely require that you have these types of coverage in place until your loan is fully paid off.  

If you are in the Annapolis, MD area and are in need of RV Insurance, you should reach out to Ramsey Insurance. Ramsey Insurance will be able to help you to better understand your insurance needs and make sure you get the right policy.  

Annapolis MD, Ramsey Insurance Update on Motorcycle Insurance

Summer is perfect for motorcycle rides after a harsh winter. The number of motorcycles has been on the rise. The need for motorcycle insurance also increases. It is during summer that the numbers of motorcycle accidents are high. What are some of the trends in motorcycle protection? Annapolis, MD, Ramsey insurance agents offered the following info.

Update on the Basics
Motorcycle insurance is a requirement in the United States. The laws governing various states may differ locally, but riders need to get a policy to cover their bike. An insurance cover not only protects you from incurring substantial financial costs in case of an accident but also ensures your bike is safe.

Motorcycle insurance is a requirement in Maryland. If you don’t have it, your ride will be termed illegal, and hefty penalties await you. If you own a motorcycle owner, you need to prove that you have financial responsibility in case of an accident. This can be done by providing liability insurance.

The liability insurance required by law includes bodily injury, property damage, and uninsured motorist. The state also needs one to have personal injury protection. This is important for covering medical expenses of any passenger that you may have.

When registering your motorcycle, you need to show proof of insurance to the Motor Vehicle Administration.

Loss Due to Theft
It is indisputable that motorcycles are easy to steal. If you have an expensive bike, thieves can quickly load it into a truck before driving away. 

Insurance Discounts
Maryland is a great place for motorcycle riders. There are a few things you can do to get discounts on insurance. Students can take advantage of student discounts. Are you a safe driver? You could benefit as well.

Most Common Claims
Motorcycles and vehicles share the road with other automobiles. Single vehicle accidents remain to account for most of the claims. 
It is paramount no to break the bank to get motorcycle insurance, contact Annapolis, MD, Ramsey Insurance agents.