Insurance Agency Blog

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

How to protect that engagement ring following the Valentine's Day proposalCould this Valentine’s Day be much more romantic than usual for you? It is if the love of your life just proposed marriage and offered up that diamond ring you’ve been dreaming of. We’re happy for you and we wish the best for both of you. We’re sure you’re on cloud nine as you should be. This is a Valentine’s Day you won’t forget. But now that you have the new bling, there are a few pressing responsibilities that need your attention. We know you’re not likely “thinking insurance” just yet, but we are. Why? Because the Insurance Information Institute warns us that the loss of valuable jewelry is one of the most common of all content-related home insurance claims. So we hope you’ll take the following steps to see that your new engagement ring is financially protected in case of theft, damage or theft.

  • Check with your insurance agent as soon as possible. You might need to buy additional coverage depending on the cost of your new ring. According to a 2016 survey of brides and grooms done by The Knot, the average cost of an engagement ring is just under $6000. Although most renters insurance and homeowner insurance policies typically offer some coverage for jewelry and other personal items, it is usually not sufficient to cover an item like an engagement ring.
  • Get copies of the receipt from the ring’s purchase. Keep one for your own records and provide one for your insurer to document the current retail cost of that diamond ring.
  • Arrange for an appraisal. A reputable professional appraisal report is necessary to determine the real value of the piece if yours is a vintage ring, a family heirloom or if it has been custom-designed. As time goes on, the value of items changes, so appraisal reports are only valid for a few years. Then you’ll need a new appraisal to know the real value. If you don’t know a reliable appraiser, your insurance agent should be able to help you find one.

If you have taken the above steps to determine and document the value of that new engagement ring and also to properly insure it, you should be breathing a little easier. Now it’s time to enjoy life with your new fiancé as you both share your news with your friends and family. You’re off on a path of many “firsts” that will change your life as you’ve known it.

Personal Valuables Insurance Tip

Personal Valuables Insurance offers supplemental coverage for loss, theft and damage for many precious items. They include not only jewelry but also expensive artwork, your grandmother’s silverware, fine collectibles, furs, firearms, cameras, and much more. Discuss your valuable belongings with your insurance agent who can then help you decide whether you need increased insurance protection for valuable items.

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.


Monday, 13 February 2017 17:00
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