Home Insurance

Flood Insurance

The sudden and tragic flooding in Ellicott City over Memorial Day weekend was a sobering reminder that sometimes lightning does strike twice in the same place, so to speak … we saw similar flooding there in 2016, and this time around the damage was even more severe. The forecast that day called for a chance…

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Making Your Day Easier

At Consolidated Insurance, our belief has always been that we best serve our clients as not just a broker, but as a partner in helping their businesses better manage their risk. To that end, we’re proud to re-introduce MyWave Connect, a time-saving online resource that puts clients in control of customized compliance information and much…

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Do These Losses Make My Premium Look Big?

Presenting a more attractive profile to the personal lines marketplace Everyone wants to save money, and when those insurance bills show up in the mail we get really motivated to do some price-shopping. But just as with commercial lines insurance (covered in this blog post), constant shopping of your personal coverage can actually cost you…

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Personal Risk Assessments – Seeing the Whole Picture

If you’re like most people, the last time you took a close look at your personal auto coverage was when you purchased a new vehicle or added a new driver. And most likely, your homeowner’s policy was last reviewed when you bought or refinanced your home. And those were probably two separate discussions. We prefer…

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Protecting your Home from Ice and Snow Damage. Are you protected?

Need Homeowner’s Insurance? Click here to get a quote for Homeowner’s Insurance Those of us who live in cold climates get to enjoy the fresh, crystalline beauty of a snowy, icy landscape. Sometimes, a mere glimpse out the window reveals an outdoor winter wonderland of sorts, one where all is white and shimmering, where pine…

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Getting Ready for Fire Season – Clean your chimneys and wood stoves

Click here for a Homeowner’s Quote Nobody wants poor old Santa to emerge from the chimney looking like a scary, sooty monster. Now that the weather is truly chilly and the generous man from the North Pole is on his way, it’s time to think about your chimney and/or to make sure your wood stove…

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Still Standing: How to Help Your Maryland Home Survive a Storm

How would your home fare in a storm? Consider the following tips for making your home as impervious to the wild whims of Mother Nature as possible: Roof: When installing a roof, use a covering that is specially designed to resist high winds. Seal all the joints of your roof sheathing with rubberized, self-stick asphalt…

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Hurricane Property Preparation Checklist

Make sure your vehicles have full tanks of gas If you have to leave a vehicle behind, make sure it is not in a low lying area prone to flooding Top off or fill fuel tanks for outdoor grills in case they become your primary cooking appliance Stake small trees, shrubs, and garden plants that…

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Umbrella Insurance Explained

Interested in learning more about Umbrella Insurance? Click here to get a quote for an Umbrella Insurance Policy. Chances are you already have a number of different insurance policies in place. It’s almost inevitable, however, that even with all that protection, there are some cracks in your coverage.  Umbrella insurance is designed to essentially seal…

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Flood Safety

Need a flood insurance quote? Click here for a Flood Policy Quote from Consolidated. Flooding causes more property damage than any other weather related event and occurs in all 50 states. You should understand potential flood vulnerabilities you may have at home. The Red Cross or the local planning and zoning department can help you…

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