February 17th, 2012
Spring is almost here. It is time to take the boat out for a sail. This article will provide you watercraft and boating safety tips just in time for spring boating preparations. Read to save lives and money.
On your boat you should have a personal floatation device (PFD) available for every person on board. An unexpected accident can occur anytime you board a boat and sail. Another safety concern you need to acknowledge is speed. You should recognize that waterways are becoming more crowded, which means you need to be more cautious and aware of your environment. The most deadly accidents for boats are head on collision. Always be alert.
The next important safety tip is to never mix alcohol or other drugs with operating a boat. You never know what could happen under the influence or how long it would take for help to come if an emergency occurs. As a responsible boat/water craft operator, you should earn a safety certificate before operating the machinery. While earning the safety certificate you will learn the boating rules, boat handling and how to read buoys.
But the most important safety measure you can do is having boating insurance.
According to information from the U.S. Coast Guard, property damage to boats has been increasing. Many states now require boats to be insured. If you have your boat on a loan or use a marina, you will probably also be required to insure your boat. If you are not required to insure your boat, it is important you still consider purchasing boat insurance.
Boat insurance works similar to the insurance for your car, and can protect in the same way. But, since boats have different features than your car, you will want to make sure you have all the coverage’s you need and any savings that may lower your premium.
Insurance coverage you will want for your boat:
- Liability
- Physical Damage
- Theft
- Medical Payments
- Motor Coverage
- Trailer Coverage
- Boat Covers
- Docking Fenders
- Communications Devices
Discounts you may be entitled to:
- New Boat
- Automatic Fire Extinguisher
- Burglar Alarm
- Ship-To-Shore Radio
- Approved Boating Education Course
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: WaterCraft & Boating Safety Tips
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Posted in Boat Insurance, Kennedy Insurance, Maryland Insurance | No Comments »
February 6th, 2012
Have you recently moved to a new apartment? If yes, you can make your apartment feel like a home without drilling or hammering property you do not know. We are here to help you by providing you tips on how to make your apartment feel like a home. Read below to get started.
Assessing the Space
Before you decorate your apartment, you need to assess your space. How will you best use your space? Since apartments are often smaller than homes, you should do your best to combine space. Make your dining room part of your living room space. You can do this by making your dining room table be used simultaneously as a desk and a table for eating. Make your living room area a guest bedroom. You can do this by having a sleep sofa instead of a normal sofa.
Next, look at your floor plan to scale your furniture correctly. You want to be able to move around your apartment. Buy furniture that will allow your apartment to feel roomy. Ask your landlord what you are allowed to install in your apartment. Here are some questions to ask:
Ø Can I paint?
Ø Can I replace flooring?
Ø Can I hang pictures on the Walls?
Let It Hang
Use as much wall space as you can to keep your floor plan an open space. You can buy two-in-one appliances. Mount cookware, spices, and utensils on steel bars with S hooks on your wall.
Use Seating That You Can Store Items Inside
Have plenty of bench seats in your living room. You can use bench seats for additional storage because you can lift the tops. Use space under bed for storage drawers as well.
Decorate to your heart’s content. Add colorful curtains to your windows. Add colorful mats to your floors.
Last but not least, be sure to have renters insurance. Even though you do not own your own home, you have personal property that can be lost to fires, burglaries and lawsuits. While most homeowners are insured for these risks, many renters are not. Although renters insurance is usually not required, it is necessary you have it. Not only will insurance protect your personal items, but it will also help with temporary housing and liability protection, such as medical expenses for people on your property or a lawyer if someone unintentionally injured by you sues you.
If the ceiling in your apartment is damaged by a storm, your landlord covers the ceiling. But what happens if your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renter’s insurance policy.
Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property.
Get your Renters Insurance today with the Kennedy Insurance Agency.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: Making Your Apartment a Home
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February 3rd, 2012
Are you looking for more affordable car insurance? If yes, we have four car insurance tips that will save you money while keeping your property covered. Read below to get started.
Know Your Coverage Types
When picking quality car insurance, you need bodily injury liability (covers injury and death claims against you, when in a car accident), property damage liability (covers claims for property that your car damages during an accident), medical payments (pays injuries to your physical health and occupants in your car during an accident) and uninsured motorist protection (covers your car if someone without car insurance does a hit-and-run).
Be Aware of State Minimums
Your state will have a minimum set of auto insurance liability coverage requirements. Find the minimum auto insurance liability cover requirement on your state’s insurance commissioner’s website. Make sure you know what minimums you have to maintain, so that you can eliminate ones you do not need out of your auto insurance cost.
Be Aware of Financing Requirements
Do you finance your vehicle? If yes, you might have additional requirements to pay. This affects your deductible. Know your required limit before you ever raise your deductible.
Get Every Discount You Can
When you look for discounts, you save big time. Call your insurance company and ask for a list of all discounts the insurance company offers. Review this list to see if you are getting the best discount for your money. For example, the defensive driving discount might be something to look into at an insurance company.
Start saving today with Kennedy Insurance Agency, an affordable and reliable insurance company.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: 20 Tips For A More Affordable Auto Insurance Policy
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Posted in Car Insurance, Car Safety, Kennedy Insurance, Maryland Insurance, Money Savings | No Comments »
January 26th, 2012
Protecting your children while driving your car should be a top priority. Do you know how to protect your children beyond car seats? If you do not know, we are here to help by giving you a few tips on how to keep your children safe on the road. Read below to get started.
Give Car Seat Straps a Winter Adjustment
If your car seat straps fitted perfectly during the summer months, they may not fit as great in the winter. Why does this happen? The answer is that when the whether gets cold, your children need heavier clothing on to stay warm. Winter coats and snowsuits can make straps too tight for your children to wear seat belts comfortably and safely in the car. You should loosen straps enough to give your child some comfort but never loosen the straps to a point where you or your child can pinch a fold in the strap. When you adjust the straps correctly, the strap clip should still be in line with your child’s armpits. Never forget to tighten the straps again when warm weather returns.
Use Child Safety Locks and Features
You should activate child safety locks to make sure your children do not accidentally open doors and windows while you are driving in your car.
Secure Loose Objects
If you want toys in your car for your children, make sure the toys are soft. In a car accident, objects that would be normally safe can become deadly to your child during a car accident. Studies have shown during rapid deceleration, objects can have 20 times the force they would normally have if thrown. Be sure to secure all hard objects before driving the car somewhere.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: Beyond Car Seats: Help Keep Kids Safe on the Road
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Posted in Car Insurance, Car Safety, Kennedy Insurance, Maryland Insurance | No Comments »
January 19th, 2012
Are you getting ready for your next vacation? If yes, we are here to help you get ready. Read below for 4 travel insurance tips.
Although vacation should be fun, you need to be prepared for the potential of a tragedy occurring.
Only Insure What You Can not Afford To Lose
No, not every trip you take needs travel insurance but for really expensive, once-in-a-lifetime vacations should be insured.
Research the Types of Travel Insurance Available
Travel insurance can come in many forms. Here are just a few travel insurances you can choose:
Ø Trip cancellation insurance
Ø Trip interruption
Ø Medical insurance
Ø Lost baggage insurance
Ø Evacuation insurance
Ø Flight insurance
A travel insurance company can make you a bundled insurance package for only what you believe you need for your travels than requiring you to buy features you will never use.
Age Matters
Physical health will always matter to an insurance provider. Your physical health determines your premium and age will affect the cost of your travel insurance.
Health insurance might not cover you.
Not every health insurance policy will cover your overseas travels. Be sure you contact your health insurance provider to learn what coverage is available for you while traveling. This will help you make informed decisions.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: 7 Travel Insurance Tips for Your Next Vacation
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Posted in Insurance Information, insurance quote, Kennedy Insurance, Maryland Insurance | No Comments »
January 12th, 2012
Are you a new entrepreneur looking to save money and get the right insurance coverage for your business? If yes, we have three great business insurance tips to share with you. Read below to start saving.
Premiums are Deductible for Tax Purposes
Your premiums for fire, casualty and burglary insurance can come in handy for your business property because they are all tax deductible as trade or business expenses. Remember if you are a business taxpayer that has a self-insured plan, all payments from the self-insurance will not be eligible for tax-deductible purposes. But you are not out of luck if you have a self-insured plan because premiums for life insurance are tax-deductible. Premiums paid on a policy covering anyone essential to your business are deductible if the business is not directly or indirectly a beneficiary. If the business is a direct or indirect beneficiary, it is not deductible because life-insurance proceeds do not need to be included in taxable income.
Write It Out
Make sure before you see an insurance representative that you write down your expectations. Your insurance representative needs to be informed of any important information about your business. They are here to help you. Not being informed about your business exposes you to more potential for loss. Also when you keep your insurance representative in the know, you avoid duplicating and overlapping policies. Never pay for insurance factors that you do not need.
Insurance Losses
Make sure you notify your insurance company of any accident with 24 to 72 hours. If you fail to report a loss in a timely fashion, you make it harder to nullify your right to recovery.
Never be afraid to tell your insurer your preference in reimbursement methods. An insurer usually gives you three kinds of options: paying cash, repairing the insured item or replacing the insured item with something of a similar quality.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: Insurance Tips
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Posted in Business Property Insurance, Insurance Information, insurance quote, Kennedy Insurance, Life Insurance, Maryland Insurance, Money Savings | No Comments »
January 6th, 2012
Are you a business owner? If yes, we are here to give you three important tips on business property insurance. Read below to get informed.
Why is Business Property Insurance Important?
Business property insurance is so important because it protects your business from large losses due to the structure and contents of your business. You should always make sure your property insurance coverage is appropriate for your type of business and property.
Here is what you should consider when it comes to getting business property insurance for your company:
Have Sufficient Coverage and Review the Coverage Limits Annually
When obtaining business property insurance coverage, be sure you will be insured enough to rebuild your business property structure and replace fixtures, if damage to your property happens. No, this is not the same as your property tax valuation that is provided by a real estate agent. You can estimate what is a sufficient coverage by asking a local contractor how much would it take to build a building similar to your present property. This estimate is more likely to be an accurate projection of what type of coverage you will need.
Flood and Storm Coverage
Remember, commercial property predominately does not cover flood and windstorm damage. Flood and windstorm are more likely to be separate in coverage for your business.
If your business is in an area prone to flood or windstorm damage, purchase insurance for these potential damages. You will thank yourself later.
Ordinance or Law Compliance Coverage
Historically, property policies do not cover costs for upgrading your business structure, even when new building codes are formed. To be prepared for such changes, purchase compliance coverage as an endorsement or separate insurance policy.
Be prepared. Do not wait for disaster.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: Important Tips For Your Business Property Insurance
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Posted in Business Property Insurance, Insurance Information, insurance quote, Kennedy Insurance, Maryland Insurance | No Comments »
December 30th, 2011
Great way to start the New Year is to save money. You can save a decent amount of money through your insurance in 2012. We are here to help by providing you 3 superb tips to save money through insurance. Read below to get started.
Shop Around For The Best Value Deal
When it comes to car insurance, you need to shop for the best value deal for your personal needs. For example, add an older driver to a vehicle a younger driver uses to significantly save on insurance. Insurance companies will make a policy more expensive when a driver is young in age. Other ways to save on car insurance is through car-pooling with co-workers. If you have less mileage on your car, you have large savings in insurance.
Pay Annually Instead of Monthly
When it comes to home insurance, you can have great insurance savings by paying annually rather than monthly. Be sure to shop around for the best value with home insurance to make sure you save in addition to the annual pay change.
Lower Your Life Insurance By Improving Your Health
You can save on your life insurance by practicing healthier behaviors in your lifestyle. You can improve your lifestyle by giving up smoking.
If you have any questions or need professional services, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
Source: Ten Top Tips To Save In Insurance In 2012
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Posted in Car Insurance, Home Insurance, Insurance Information, insurance quote, Kennedy Insurance, Life Insurance, Maryland Insurance, Money Savings | No Comments »
December 20th, 2011
Did you know that the cost you pay for auto insurance could depend on a range of factors from age, marital status, car model and home location? Although you cannot change most of these to lower your auto insurance, we can give you five useful auto insurance tips that can save you greatly on your next car insurance bill. Read below.
Know Your Coverage Types
When you pay insurance you are insuring things that a certain car type has potential to experience in its lifetime and your lifetime:
Ø Bodily Injury Liability. This part of your insurance covers injury and death claims that could be against you if you injure or kill someone with your car.
Ø Property Damage Liability. This part of your insurance covers claims for property your car may damage during an accident.
Ø Medical Payments. If you or anyone in your car gets injured, this part of your insurance pays for medical needs.
Ø Uninsured Motorist Protection. This part of your insurance covers you for damages you may suffer from someone who is not insured or someone who hits and runs from an accident.
Ø Collision Coverage. This will cover damage to your car up to its value. It does this because it has a deductible which is what you must pay before insurance takes effect. If you have a very low deductible, you will have a higher premium. Comprehensive, also known as physical damage, covers theft, vandalism, fire, wind, flood and non-accident causes. This is deductible just like the collision coverage.
What You are Riding Matters
If you want to drive will affect your premium cost. For example if you drive a sports car, an insurance company is more likely to charge you more to protect it while you are driving around town. Insurance premiums are usually based on the price of your car and how expensive it would cost to repair it, if necessary. But you can also lower your insurance rate if your insurance company has a solid experience with dealing with a particular vehicle model or a certain category of drivers.
For more of the 5 great car insurance tips, read this article from Auto.HowStuffWorks.com.
If you have any questions, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
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Posted in Car Insurance, Insurance Information, insurance quote, Kennedy Insurance, Maryland Insurance, Money Savings | No Comments »
December 16th, 2011
Are you planning on getting a motorcycle this holiday season? If yes, we have a few tips to share with you to help you get the cheap insurance for motorcycles. Now many insurance companies offer in person and online motorcycle insurance quotes. Read below to learn how to get cheap insurance for your motorcycle.
Include your motorcycle to your car insurance policy.
If you already have a car, request your car insurance agent for a quote for motorcycle insurance. Insurance companies offer a policy discount when you cover several vehicles.
Drive Less
If you drive your motorcycle less, an insurance company will offer a cut rate to you for driving less. Ask about the low mileage discount and see if you are eligible.
Aging Helps
The older you become, the cheaper your motorcycle insurance will be. Get experience being a motorcyclist and you will have cheaper motorcycle insurance.
Stay Clean
With a clean driver’s record, you have the potential to get cheaper insurance on your motorcycle.
Park It
Do you have a garage? If yes, you should park your motorcycle in your garage. Your insurance company will give you a better rate, knowing that you are taking precautious to protect your motorcycle. They do this because you reduce the risk of your motorcycle being stolen or vandalized.
For more motorcycle insurance tips, read this article from AnExcellentWays.com.
If you have any questions, contact the Kennedy Insurance Agency by calling 410-355-1010 or click here today!
Kennedy Insurance has provided Insurance solutions to individuals, families, and businesses for more than 25 years. No matter what type of Insurance you need, we have the knowledge, experience, and markets you can trust. Our Personal and Commercial lines departments can satisfy a broad spectrum of Insurance needs. With a large number of companies to choose from, we shop the markets so that you do not.
Our primary goal is to provide the people of Baltimore, Maryland and its surrounding areas with adequate Insurance at a competitive price, while still providing excellent customer service.
Check us out on Facebook and Twitter as well!
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