Oldest Driving Age in Maryland and Limitations

Most people are familiar with minimum driving ages, with most states allowing limited driving for learning at 15 years of age and then fully-licensed driving at 16. However, driving ability and permission doesn’t last forever, and as a person age’s there comes a limitation on how long that person can continue to drive legally. After all, there is no entitled to being allowed to drive a car on public roads.

In Maryland the age limit on legal driving doesn’t exist per se. That means, in theory, a person could be 100 years old and still be able to legally drive. However, it’s not a simple matter of having a license. At the age of 70 years of age, drivers have be on record that the person already has a Maryland driver’s license, and needs to be able to prove medical competence to drive from a licensed physician. The thinking here is that people’s biological age varies in terms of their capabilities for eyesight, control, reaction time and similar. Some people have issues at the age of 55 while others do just fine at the age of 90. So, instead of applying an arbitrary cut off age on everyone, Maryland’s laws were designed to put the burden of proof of being able to drive on people themselves. After 70, if the person can gain the support of a doctor certifying physical ability to operate a car properly, then licensing is allowed.

The Maryland age limit of 70 is not on seniors alone. After age 40, drivers in Maryland must have a vision test at every license renewal. Maryland can also apply restrictions case-by-case. To find out more, those in Annapolis, MD can contact their local auto insurance provider for up-to-date information.

Home Insurance Add Ons to Consider

Depending on your property, there are different home insurance add-ons you need to consider. These added forms of home protection will offer additional forms of protection. So, when living in and around Annapolis MD, we at Ramsey Insurance want to do everything in our power to show you potential home insurance additions that can protect your home. 

Flood Damage

Maryland can still be hit by big storms coming off of the coast. In addition, it is also prime for heavy snow as well. Depending on where you live, flooding can occur, which may not be covered by your home insurance. Additionally, with the colder weather comes frozen pipes, which in turn can lead to burst pipes. Flood damage insurance protection can pay for this damage. 

Valuable Items Insurance

Depending on the policy, you may need to list the kind of valuables you have in your home. For other forms of insurance, you’ll need to insure everything separately. Replacing electronics, computers, and other items can be costly. A quick smash and grab into your home can result in tens of thousands of dollars of lost electronics. If you have expensive valuables on hand, this is an insurance add on to consider. 

Personal Umbrella Policy

Maybe someone looking for a quick payout fakes a slip and fall on your property and tries to sue you. Even if you know it is fake you’ll likely still need to hire an attorney, which is pricey. The personal umbrella policy will help pay for this. 

Not all home insurance add-ons are right for everyone. It can often depend on where you live within the community, what is around your property and several other factors as well. At Ramsey Insurance, we want to make sure your Annapolis MD property is protected. So, feel free to contact us regarding any questions you have about these (and other) potential home insurance options. 

Getting More From Your Home Insurance in Annapolis

Besides making sure your doors stay locked and your storm windows are up this winter, there are a number of other ways that you can protect your property in Annapolis, MD besides the routines you likely already have. Your home insurance works to be the ultimate in protection, covering you from practically everything you can possible think of. Learn more about how you can get more out of it all. 

Consider Everything 

There are so many events that happen everyday, and most are entirely harmless. But it really only takes one second for everything to change, and when it does, you’ll be glad you took the time to be prepared. The precautions that you take today can determine the course of your whole life. In order to really make good decisions about home insurance in Annapolis, MD, you’ll want to go over not just the most obvious scenarios (e.g., theft, storms, blizzards, etc.), but also the slightly less common (e.g., vandals, flooding, etc.) Staying calm is all about taking care of the details. 

Choose the Right Company 

The large insurance companies have a number of employees and they never seem to be working when you need them the most, and they typically do not lead you to believe that you’re getting the most out of your home insurance. When you’re forced to tell different people the same story and listen to them tell you the same restrictions and clauses of your policy, it can be a truly maddening experience. You don’t need this at a time when you’re already facing enough confusion and turmoil. Calling Ramsey Insurance can give you the means to both understand what you should be covering in your home, as well as giving you direction if it all comes crashing down. Talk to us if you’re looking for a quote, or just hoping to have a few more of your questions answered. 


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.

Best Packing Techniques For Moving

Maryland residents save money when they pack their belongings rather than paying professional movers to do so. The right techniques can help you avoid injury, breakage and other problems:

1. Acquire the necessary tools and supplies long before you move. You’ll need cardboard boxes, padding, markers, large plastic bags, scissors and plenty of tape. Don’t risk damaging your property by using low-quality tape or flimsy boxes.

2. To expedite the process of moving into a new home, choose a different tape or label color for every room. For example, put all living room items in boxes with yellow labels.

3. Use your towels and blankets to pad fragile objects. This will conserve space in the truck and reduce the amount of money you need to spend on packing supplies.

4. If you use a moving company, you’re still expected to pack and transport a few small items on your own. They include medicines, jewelry and vital documents.

5. Divide files, books and magazines among several small boxes. A large box of these items would weigh far too much, and you might become injured by lifting it.

6. Give away clothing that doesn’t fit anymore. Many Maryland charities and thrift shops gladly accept such items. Also, look for expired food and medications to throw out before you pack.

7. Put the most essential goods in a single box that you’ll open first. Examples include toothbrushes, paper products, soap and a flashlight.

8. Carefully pad all objects and keep fragile belongings separate from heavy items. A professional mover won’t compensate you for damaged possessions that were poorly packed.

Don’t forget to insure your new home right away. Consider using Ramsey Insurance, an independent Annapolis agency with over 25 years of experience. To sign up for an affordable policy or review your current home or renters coverage, please call us today!

Teaching Teens How to Avoid Road Rage

When it comes to teens, vehicle accidents are the leading cause of death. As a result of this, Ramsey Insurance wants to arm you with information to help you decrease the chances of your teen developing road rage.

Understanding Road Rage

There are many types of driving behaviors that constitute road rage. The following are a few of the most common behaviors:

  • Weaving in and out of traffic
  • Failing to yield
  • Driving through red lights
  • Tailgating

When it comes to your teen’s driving, as a parent you have the most influence. After they’ve graduated from driver’s education, you model how they should drive.

Tip #1. Always model responsible driving.

Safety is of the utmost importance when it comes to driving. The best way for you to keep both you and your family safe is to follow all driving rules and regulation. In fact, since you are modeling for your teen, you should use even more caution when driving.

Tip #2. Immediately correct teens when they make a mistake.

Before your teen could drive, you learned how important it was to take care of problems immediately. Once your teen starts driving, it’s imperative that you correct bad driving immediately so that they will not make the same mistakes later. To help them retain the lesson, explain to them the potential risks associated with the bad behavior so that they can understand why they are supposed to drive responsibly.

Tip #3. Limit excursions with other teens.

Although you want your child to have a well-rounded teenage experience, every parent doesn’t share the same values as you do when it comes to driving. You should be particularly discriminating when it comes to your teen riding or driving with other teens.

At Ramsey Insurance, we are here to help. We want you and your teen to be safe on the road, which is why we offer a suite of auto insurance products.