Insurance Agency Blog

Social Hosting Party Advice - Henry A. Latimer & Son Insurance Agency - Bethesda, MDCelebrations for Christmas, New Years and other holiday events are filling our social calendars as we wind down this year. Whether you will be hosting a party or simply attending as a guest, you will want to keep safety in mind and pay attention to your alcohol consumption.

As a Guest

Your own safety and that of others who share the road with you is at risk if you drink and then drive. If you plan to drink, then make plans with another guest who will be your designated driver when the party is over. Remember, the designated driver is one who does not consume alcohol during the event, not the one who simply has had the least to drink.

No designated driver available? Consider calling for car service. In fact, if your party is located in the Greater Washington D.C. area, you can take advantage of SoberRide for Lyft service. Some restrictions apply, so be sure to check out the website for details before you need the service.

As a Party Host

When you plan your holiday party, you’ll want to consider your potential liquor liability. Your plan should include a strategy to limit guests’ imbibing for their safety as well as your own because many states hold party hosts who offer excessive alcohol to their guests responsible for those guests’ subsequent actions behind the wheel. In fact, in those states, anyone injured by a drunk driver could have the right to sue the host of the party who served the alcohol. Sometimes, criminal charges may even apply. Read: “Do You Know Your Host Liquor Liability?” for more information on liability as well as tips on planning a responsible holiday party.  

Home Insurance Tip

ErieSense.com recommends that if you’re hosting a party, you will likely want to review your homeowners or renters insurance policy since it might offer coverage in the event that damages are sought by someone injured by a party guest. In fact, it is wise to check in advance with your insurance agent to be sure you have all the insurance coverage you will need before you welcome guests to your home for holiday celebrations.


The Latimer Insurance Agency is a full-service insurance agency in Bethesda, Maryland (Montgomery County) offering business/commercial insurance, auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, and life insurance to all of Maryland (MD), Virginia (VA) Pennsylvania (PA), Delaware (DE), New York (NY), West Virginia (WV), North Carolina (NC) and Washington DC since 1919. Our experienced insurance agents  at our office Bethesda, Maryland (Montgomery County) welcome your inquiries and are glad to discuss your coverage needs at any time. The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.

Thursday, 05 December 2019 11:08

Will your college student's valuables be covered by your insurance? Ask Latimer Insurance in Bethesda.Will you soon have teens who will attend college away from home? If so, then you are likely already in the midst of handling that seemingly never-ending list of things to do before they’re ready for campus life. One item that is often overlooked is how this change in your family’s life will affect your insurance coverage. Will they be taking a car to school? What living arrangements will they have – in the dorm or off-campus? These are two of the many questions you’ll need to resolve that will likely affect your auto and homeowners insurance.

In their article titled “Back to College Q & A”, Erie Insurance offers “answers to a few of the most common questions that parents of college students have” and provides tips to keep your students’ property protected.  Read the entire article to learn what you need to know about auto insurance and homeowners insurance protection for your college students.

Insurance Discount Tip

If your college student is young, unmarried, attending college full-time away from home with no use of a vehicle, then you might be eligible for a discount on your Auto Insurance policy. Why not discuss this with your insurance agent; and while you’re at it, ask about other multi-policy discounts that might also apply. Then you can cross this item off your college planner, assured that you have the right coverage in place before you send your teen off to school.

Here in Bethesda, MD, at Henry A. Latimer & Son, we offer auto/car insurance, homeowners insurance, business/commercial insurance and life insurance, and we welcome the opportunity to discuss your coverage needs and questions at any time.

Sunday, 11 August 2019 12:43

Goals for customer service from Latimer Insurance, Bethesda MDThere seems to always be a desire to start fresh with new goals for improvement – thus our penchant for New Year’s resolutions.  But they are not just for individuals.  They can be very productive for the business office as well – particularly in terms of improving how we serve our customers.  Since it’s not a costly process, there is little reason not to take the time to meet with the staff and set a few new goals.

Read below for five suggestions to get you started. …

Sunday, 07 January 2018 13:27

Swimming Pool Safety TipsRegardless of our swimming abilities, many of us beat the heat in our backyard swimming pool as summer temperatures soar.  It seems that taking advantage of a residential swimming pool is more popular than ever before. In fact,  well over 8 million  U. S. households owni a pool, according to the Association of Pool and Spa Professionals. 

But all swimming pools – from the simplest inflatable wading pool to the most elaborate luxury in-ground variety – can present a danger, especially to children.

Tuesday, 04 July 2017 11:53

Backyard grilling safety and homeowners insuranceIt’s that time again when millions of Americans look forward to outdoor barbecues. If you’re among them, then there are some things you should know before you fire up the grill.

The U.S. Fire Administration (USFA) warns that about 5,700 grill fires happen each year on residential property, and most are caused by improperly functioning gas grills. These fires cause on average 100 injuries and ten deaths, not to speak of an average $37 million in property damage. Moreover, hospital emergency rooms see thousands of people with burn injuries resulting from barbecuing.

Accidents will happen, but there is much less chance if you practice safe grilling and grill-maintenance.

 

Saturday, 17 June 2017 00:00

Are you in the market for a home? If so, you’re not alone. As many as 40% of all home sales actually happen between April and June each year. It’s no wonder that period is known as the “home buying season.”

As one of those prospective homeowners, you must have many questions. Perhaps you wonder about mortgage interest rates and fees and taxes. As you visit prospective new homes, you probably ask about the neighborhood and schools. Likely, you’ll want to know the history and condition of the house you’re looking to buy.

As you ask questions and weigh your options, you’ll also want to find how the home’s size, construction, location and condition since those details will also impact your homeowners insurance costs.

If you’re wondering which home insurance questions are most important, then take a moment to view the following video …

The Latimer Insurance Agency is a full-service insurance agency in Bethesda, Maryland (Montgomery County) offering business/commercial insurance, auto insurance for your vehicle, home insurance for homeowners, renters and condo dwellers, and life insurance to all of Maryland (MD), Virginia (VA) Pennsylvania (PA), Delaware (DE), New York (NY), West Virginia (WV), North Carolina (NC) and Washington DC since 1919. Our experienced insurance agents  at our office Bethesda, Maryland (Montgomery County) welcome your inquiries and are glad to discuss your coverage needs at any time. The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent before making any decisions or choosing a course of action.


 

Thursday, 06 April 2017 13:20
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