Insurance options in Annapolis, MD

The small town of Annapolis, MD is an idyllic place for people who want to get away from the big city but are still a short commute away to live. However, despite the fact that the Maryland rural and suburban lifestyle has less risk than living in a big city, people in Annapolis will still need insurance policies to protect them in the event of the unexpected. Below are some insurance options worth considering in a place like Monroe, through a local insurance broker like Ramsey Insurance, who can tailor a policy for their local customers.

HOME INSURANCE

Most people who live in Annapolis, MD own a home and will need some form of home insurance to keep their homestead safe and able to rebuild in the event something unpredictably terrible occurs. These events can include fire in the area, burst pipes in very cold winter weather that often settles in Annapolis, MD or even the tail end of a powerful storm that rolls up the East Coast, as tends to happen more and more often these days in the United States of America. Local insurance agents will best advise you on what you will need on the home insurance front in Monroe when you are trying to insure your property.

AUTO INSURANCE

If you are going to plan on legally driving in Annapolis, MD, you will need auto insurance of some kind, namely liability insurance at the very minimum. This will protect you from incurring insane amounts of cost for damage that is found to be your fault in the event of a collision. It will also protect against lawsuits from other vehicles involved in that collision, as well as medical bills and property damages. Other larger policies will be able to cover your vehicle as well, though a local broker will be able to help you with the details of that. 

Fall Checklist of Things to Do to Avoid Plumbing Problems and Water Damage

Winter weather can cause water damage and plumbing problems when the temperature gets below freezing.

Here is a list of things to check to avoid having any plumbing problems or water damage during winter:

  • If there are any systems that will not be in regular use during winter, turn the water supply off, drain the system, and drain the supply pipes. Examples of these systems are external central air-conditioning units, landscaping irrigation, garden hoses, water connections to exterior kitchens, water features in the garden, outdoor ponds, and swimming pools.
  • Make sure there is adequate insulation in place to protect any water pipes that remain in use.
  • Clean gutters and downspouts. Check for any roof damage, such as missing roof shingles. Make repairs as necessary. This prevents water from staying on the roof and causing leaks.
  • Clean sewer drains to make sure there is no blockage by tree and plant roots that impairs the water flow. The best drain cleaning systems use high-pressure water to blow the debris out of the pipes.
  • If you have a septic system, winterize it with the proper chemicals to keep it functioning well. Wrap any exposed parts of the connecting pipes with heavy winter insulation to keep them from freezing.
  • Check the foundation for any cracks that allow water to enter. Repair any cracks, because any water that freezes in the cracks can break the foundation.

This is also a good time of year to conduct a home insurance coverage review with your agent at Ramsey Insurance, to make sure the coverage is adequate. Be sure to tell your agent of any significant life changes that occurred over the past year. Things to mention include any major home repairs or renovations, new appliance purchases, and adding new expensive personal items to the home such as a wide-screen television.

We hope these tips are helpful and that you have a safe, happy, and enjoyable holiday season.

Maryland Recreational Vehicle Owners: Stay Safe, Stay Insured

Camping is a great activity nationwide, no matter if you are in California or in Maryland. For as fun as it is, there are a lot of precautions that you must take before you go out. Specifically, if you are bringing a recreational vehicle out on the road, you need to make sure that you have the proper insurance to legally drive it. Every state handles insurance and registration differently, which can complicate things beyond a point that is reasonable. That’s where Ramsey Insurance comes in, to clear up all of the vague details.

In order to drive an RV, you of course need to have basic automobile insurance, so at least in that respect it is not too much of a hassle to get your RV properly insured. However, there are absolutely some extra layers involved in getting everything set up. In addition to proper automobile insurance, you will be expected to pay an extra fee to get your RV registered. How much extra you will need to pay is ultimately up to a variety of factors, which could put off people from caring to get an RV in the first place. If you are an RV owner without proper insurance or merely a prospective RV owner, we at Ramsey Insurance will – in a matter of minutes – check into your insurance needs in order to figure out the proper level of automobile insurance you need and to help you figure out how much you will need to spend to register your RV.

There are a lot of questions that an RV owner (or would-be RV owner) may have about insuring an RV. If you have any of them, you can shoot them our way by contacting Ramsey Insurance either through our website or by phone at (410) 266-9363 and we will answer them to the best of our abilities.

Basic Types of Commercial Insurance

There are plenty of considerations when it comes to fully insuring your business and knowing what types of insurance there are and what policies may benefit you can make a big difference in your overall success. There are three types of commercial insurance that are very basic and that fit the bill across many states.

The first is property insurance. This is going to protect your property and keep your business operating in the event of destruction of property. Say for instance your business is destroyed in a natural disaster. Property insurance will help replace the necessary elements to get you up and running again quickly.

There is also liability insurance. This is going to protect your business in the event that someone becomes injured in your business or covers damages to third parties. This is going to protect your business from being sued by employees or customers but is still going to give them the money they need to help pay medical bills and recover from the accident.

The last type of commercial insurance is commercial auto policies. Again, these are going to help protect your business in the event that your employee or someone driving a car associated with your business is in an accident. Say you own a delivery business and one of your trucks gets into an accident, this type of policy will help protect the assets of the business while taking care of the other driver and your employee.

If you have any questions about commercial insurance and you live in the Annapolis, MD area, the helpful agents with Ramsey Insurance can help you find the policy, level of coverage, and type of coverage you need to be safe, legal, and fully protected.

Why Do you Need Motorcycle Insurance?

Motorcycle insurance is a must for several very specific reasons. Just like car insurance is essential and you must be insured in order to drive legally, you must carry insurance on your motorcycle to avoid legal issues. So why might you need motorcycle insurance? The helpful agents at Ramsey Insurance can give you more details but here is an easy explanation to get you started.

First off, any vehicle that is going to be driven on the road must be licensed. Licensing a vehicle puts a record of the car in the system in your local government and lets the proper officials know who owns the car as a means of identification in the case of a hit and run or in the case that the car is stolen or some crime is committed using that vehicle. It also means that the car is going to be properly taxed by your local government as well.

In order for a vehicle to be licensed, it must be insured. Not only does insurance protect the driver, it also protects other drivers in the case of an accident. Say for instance your motorcycle strikes another car while driving, it is essential that insurance is in place to help pay the bills of the other driver and to protect your best interests as well. If you want to drive the motorcycle on the road, you are going to need insurance without a doubt.

If you want to be able to drive legally, you must have the motorcycle both licensed and insured to protect yourself and other drivers. Another reason you may need insurance is if your motorcycle still has a loan or a lien against it. The bank will require a full coverage policy to cover the cost of any damage.

How do you know if you need flood insurance

Whether you need flood insurance is often determined by where your house is located. Some houses are in high-risk areas, and some are in low-risk areas. If you are on top of a mountain, you may not need flood insurance, but if you are in a lower area, you may need insurance.

It is also a good idea to check on nearby creeks and rivers, and see what their historic flood stages have been. Even if there have not been any floods in the last 50 years or so, if you are near a stream of any size, there is always a risk of flooding.

There is a federal law that says if you are in a high-risk area you must have flood insurance.  The law says if there is a 25 percent chance of flooding in your area over a 30-year period, you must have flood insurance. People in moderate to low risk areas, meaning less than the one in four chance over 30 years, you are not required to have flood insurance, but you may still get a policy if you choose to.

According to FEMA, about 20 percent of flood claims from people who do not live in a high-risk area, so that should be taken into consideration.  A lender may require insurance on a mortgage whether you are in a risk area or not.

You may get flood insurance on your home itself, and on the contents, but those are separate policies. Keep in mind that flood insurance is not the same thing as home insurance. Most companies also have a 30-day waiting period to buy insurance.

Visit Ramsey Insurance Agency’s website for information about how to get flood insurance in the Annapolis, MD area, or let us update your policy if you are an existing customer.

Give Back to Your Local Area This Year

Giving back to your local community is one of the most admirable and selfless things you can do. When you take the time to put your community needs above your wants, it becomes infectious and causes others to do the same. The following are some ways you can give back to your local community this year.

Serve Meals at a Shelter

Many non-profits don’t have enough help on any given day. When they have a feeding event, they are even more disadvantaged because they don’t have enough people to help them fix and serve meals to the individuals in need of help. You can help your local non-profit by volunteering anytime they have an event, especially when they are serving food because they will likely have more people less fortunate people showing up to these events.

Volunteer on a Non-profit’s Board

Another area where non-profits have a shortage of resources is on their board of directors. The board of directors consists of individuals with unique skills that will help the non-profit function and improve throughout the year. If you have experience operating a business, then your local non-profit can likely use you on its board of directors.

Volunteer at Your Local Hospital

During the winter months, hospitals tend to see more patients. They have more patients suffering from illnesses such as the flu, so they are likely understaffed. You can volunteer your time at your local hospital, which will help them better manage the strained resources they currently have.

At Ramsey Insurance, we believe wholeheartedly that everyone should give back to their community.  In fact, we appreciate the opportunity of providing you with auto insurance coverage while you are giving back. You can take a look at the coverage options we have by visiting our website. If you have questions or concerns, don’t hesitate to give us a call to inquire.

Understanding ATV User Responsibilities in MD

Despite the fact that winter is still upon us, warmer weather is right around the corner. With that in mind, it’s time to think about outdoor activities, and that includes the use of ATVs. While some enthusiasts use these vehicles in the snow, they’re more heavily used during non-winter months. It’s every resident’s responsibility to have an understanding of ATV user responsibilities in Maryland. That way, everyone remains safe while using these outdoor toys!

ATV State Regulations in Maryland:

Operators of ATVs must meet minimum age requirements, which are at least the age of twelve or older unless they are operating the vehicle on land that’s owned either by their parent or legal guardian. Those who are riding and are under the age of eighteen years old, an approved helmet and (or) eye protection must be worn at all times. Operators of ATVs are prohibited from carrying passengers unless their vehicle is designed to do so. The only time an exception is made in the state of Maryland is when the ATV is being used for agricultural or other “excepted” purposes. Use of an ATV requires a permit or license for operation in Maryland on certain public lands. There are exceptions, though, including accompaniment by a parent or licensee.

Insurance Recommendations in Maryland

All first-time riders are leery when it comes to getting on an ATV, and this isn’t uncommon. Therefore, it’s a good idea to keep these vehicles insured. According to the Maryland’s Department of Transportation: Motor Vehicle Administration, there are currently no mandatory insurance requirements in place. However, it’s still a recommendation to have insurance in place for all types of activity vehicles including 4-wheelers, snowmobiles, and so on, should accidents, theft, or other damages occur. Visiting Ramsey Insurance to ensure the proper protection is in place is essential for first-time riders.

 

Don’t Be One of the Many Unprotected Renters

Many residents of Annapolis, MD who rent their home do not have renters insurance. Unlike auto insurance, renters insurance isn’t legally mandated, and most landlords don’t require tenants to carry a policy. However, all tenants should carry renters insurance. If you rent, it’s the best way to protect your belongings.

Insure Your Belongings

If you don’t have renters insurance, your belongings are dangerously unprotected. An insurance policy won’t keep your possession from being stolen by a thief or damaged in a fire. It will help you recover afterward, provided the incident is covered by your policy. Without renters insurance you would have to recover from an incident with only your own savings. With renters insurance you would be reimbursed for any covered losses you suffer.

Find an Independent Agent

As with any type of insurance, the best way to shop for renters insurance is with the assistance of a licensed, independent agent. Licensed insurance agents are legally able to help you select an insurance policy. They’ve demonstrated that they understand how to read a policy. Independent insurance agents can compare policies from many different carriers to see which company is offering the best deal. Agents who are both licensed in Maryland and independent are uniquely positioned to answer your questions and look at all available policies.

If you’d like to speak with an independent insurance agent about renters insurance in Annapolis, MD, contact one of our agents. At Ramsey Insurance, we are independent insurance agents licensed in Maryland, and we want to help you. You can reach us through our website or by calling.

Don’t be one of the many unprotected tenants in the city. Reach out to our agents today.

 

 

Are You Licensed and Insured on the Water?

There are two things every boater in Baltimore, MD should have: a license to boat in the state and boat/watercraft insurance. State law requires that boaters in Maryland pass a boating safety course. While not legally required, boating insurance is the only way to make sure you are financially protected on the water. If you don’t have a boating safety certificate and boat/watercraft insurance, be sure to get both before you head out on the water this summer.

Getting a Boating Safety Certificate

Anyone operating a boat who was born in or after 1972 must have a certificate from a state-approved boating safety course. The fine for not having a certificate is at least $25 for an initial offense, but it can jump to $500 for additional offenses. There are many locations throughout the state, including a number in Baltimore, where boaters can attend the short course and sit for the necessary exam.

Getting Boat/Watercraft Insurance

Finding a boat/watercraft insurance policy that will fully protect you is even easier than obtaining the necessary safety certificate. There are many different coverages available, ranging from protection for your boat’s hull and trailer to coverage for people on your boat and property belonging to other boaters. Understanding each coverage on your own may be confusing, but we can quickly explain everything in terms that are easy to understand.

If you don’t currently have boat/watercraft insurance, make sure to get both before the boating season begins this summer. Give our independent insurance agency a call, and we’ll help you find great coverage that meets your needs. Whether you need robust, year-round protection or a minimal policy, we’ll make sure you’re properly insured for your situation. Since we’re an independent agency, we can compare coverages from multiple insurers in just a few minutes. We’ll quickly get you insured.