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Home Insurance

Hammered by Lumber Prices: Is Your Homeowners Coverage Affected?

By now you’ve heard about the surge in pricing for lumber and other building materials. How bad is it? The National Association of Home Builders reports overall increases of more than 300% since last year. Several factors have combined to create this perfect storm of spiraling costs: Stuck at home during the pandemic, many people…

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Be Smart about securing your Smart Home!

Smart devices for your home offer a wide range of conveniences, but every one also offers a new opportunity for hackers to gain access to your home network. This 90-second video offers six great tips to help keep your home secure.

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How to Save Money on Home Insurance

While it may seem like a viable option to lower your property insurance coverage to save some money, this may end up costing you big in the long run. If your policy limits are too low, the cost to fix your home may exceed your limits. Limits on your homeowner’s insurance are established to protect…

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Are You Prepared for a Hurricane?

The Atlantic hurricane season lasts from June to November, with the peak season from mid-August to late October. Even though we have no imminent warnings or watches yet, there are some basic things you can to do to prepare: Build an emergency kit and make a family communications plan. Contact Consolidated Insurance + Risk Management…

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Weather or Not – What’s Covered by Your Homeowners’ Policy?

The winter months usually bring more severe weather and much lower temperatures, and that often means an increase in weather-related damages to homes as well. What’s covered by a typical homeowners’ policy, and what isn’t? Frozen Pipes: Water expands when it freezes, and that’s bad news for copper pipes especially. Pipes exposed to low temperatures…

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Homeowner’s Coverage – The Things that Affect Your Premium

The cost of any insurance coverage is the result of a number of risk factors. In other words, the more likely you are to have a loss in the eyes of an underwriter, the more your coverage will typically cost. With auto coverage, as one example, you can control some of those risk factors by…

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A Home Inventory – Why You Need One and How to Do It

We hope that you’ll never lose any of your valued possessions to fire, theft, storm damage or some other catastrophe. But under the heading of “expect the best and prepare for the worst,” you should take the time to create a home inventory just in case. A thorough and well-documented inventory will save you quite…

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Renovation and Risk: Insuring Your Improved Home

Planning a home renovation project is exciting and sometimes stressful, with so many choices to be made: cabinet styles and finishes, flooring, countertops, hardware, paint … the list goes on. Many people miss one very important step, however … your homeowner’s coverage may need a little improvement as well. First, begin with the end in…

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Child Off to College? Here’s the Question You Didn’t Ask.

It’s the time of year when parents prepare to say goodbye to children heading off to college, and there’s so much emotion wrapped up in this milestone that more practical considerations are sometimes overlooked. Here’s one: will your child at college still be covered by your existing homeowners’ and auto policies? The answer? Yes. Or…

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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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