Issues With Home Insurance You Might Not See Coming

At Lebherz Insurance, we see unprepared Frederick, MD area homeowners get hit by problems that they simply didn’t see coming. Many of these insurance issues can complicate their coverage and make it difficult for them to pay for serious problems.

Ignoring Critical Natural Disaster Coverage

Even if you don’t live in an earthquake or flood zone, you should probably still have some type of coverage for these problems. Most Pacific states can experience some type of earthquake and even Midwest states can experience tremors from large ones. And floods can happen to just about any state or any area near a river.

Mold Lapses In Your Coverage

Many homes are affected by severe mold growing in the basement and spreading to other rooms. If you don’t have mold coverage on your home, you are going to experience some major issues. Unfortunately, this lapse could mean that you end up having to pay everything for mold remediation and end up losing thousands of dollars or more.

Buying Only Based On Price

Trying to save yourself money on insurance coverage is understandable but you can’t base your policy entirely on the price. That’s because lower-priced policies provide less coverage and could leave you suffering in the long-term. Weigh your options carefully and base it on what types of coverage you need not what it costs.

Bundling Mistakes

When you are trying to bundle your insurance policies, you need to make sure that you do it properly. For example, you might try to bundle multiple insurance coverage types from multiple providers into one unified package. Sorry but bundling just doesn’t work that way. You have to do it all from the same company, meaning you might end up stuck with high-cost policies that can’t be bundled.

So if you are worried about these issues and want to make sure they don’t affect you, please don’t hesitate to contact us at Lebherz Insurance. Our policy writers will work with you to ensure that you get the best policy Frederick, MD area insurers to have to offer.

What Role Do Hail Chasers Play in Insurance Fraud?

After a storm in Frederick, MD, hail chasers, or storm chasers as they are sometimes referred to, will canvass neighborhoods looking for homeowners that seem vulnerable to scams. They go door to door and leave hangers on doorknobs. They will also speak with homeowners and convince them that roofs could have sustained severe damage from the recent storms. They will offer the homeowner a free inspection, or even a replacement for the roof. The word "free" can sometimes entice homeowners, or the hail chasers will use scare tactics to trick the homeowners into agreeing to replace the roof by emphasizing damage and potential problems that can occur. Some scammers may inflict their own damage to the roof to convince homeowners there is a problem. Some of the scammers will use coins to scrape roof shingles off, or create indentations that look like damage by hail.

The homeowners that fall for these schemes will then file home insurance claims for a roof replacement. Insurance companies will use professional techniques to know if the hail damage is real, which include forensic engineers who know hail activity and can detect any intentional damage versus the damage the hail does cause.

If something seems too good to be true it is. Hail may cause damage to one home and not another, so the tactic that hail chasers use of saying that your neighbor got a new roof so you should too won’t hold up. Hail chasers can make big promises and sometimes take the money and run. Never give money and start work without filing a claim with an insurance agent at Lebherz Insurance. If your claim is denied, you could be on the hook for any money that is lost and the work the roofer has done.

Contact Lebherz Insurance, serving Frederick, MD, to get a quote on home insurance. 

4 Mistakes People Make When Buying Small Business Insurance

You could be an expert in the area of your small business but know very little about business insurance. Others downplay the essence of having the appropriate policy cover for their businesses. Due to inadequate knowledge and assumptions, small business owners make a lot of mistakes. Here are some key areas they should be aware.

Buying Cheap Insurance

While business is about maximizing profits and minimizing costs, choosing the cheapest insurance is risky. Cheap premiums mean that your small business is not getting sufficient coverage. Lebherz Insurance is excellent at assisting clients to choose the ideal policies for their business. Choose value and not price when buying a policy cover.

Lacking Cyber Insurance

Almost all businesses, including small-scale, have integrated digital and internet technology. Any business utilizing the cyber world ought to have cyber insurance. Unfortunately, small business owners believe that they can never be targets of cyber crimes because of their small nature. This misconception will cost your business if you do not purchase a policy.

Failing to Adjust the Insurance

Your business may be small, but it could be dynamic. Most businesses in Frederick, MD begin small, but they grow as time passes. Evolvement or any other form of change must be reflected on the insurance policy. Always ensure that the business policy is always covering the present nature of your business. Many business people forget to adjust their policies, and that could cost when making claims.

Failing to read the Policy

Few business people take time to read and understand their policies. Other don’t bother yet it is a requirement from all agencies and insurance companies. Agencies in Frederick, MD, for instance, would not sign an insurance contract before the insured reads the policy document. Ensure that you are purchasing a policy that includes all fundamental areas. Lebherz Insurance welcomes inquiries, contact them for more information.

A Checklist for Your Next Road Trip

A successful and uneventful road trip requires meticulous planning and preparation. Inadequate planning will lead to delays, inconveniences, and frustrations. If you are planning for your next road trip, here are the key things you should look into:

Inspect your car
Part of the planning process should involve inspecting every aspect of your car to avoid breakdowns. Ensure that you have the right oil for your car and that you’ve changed it if necessary. It is prudent to carry some extra oil to be on the safe side. Check that the tire pressure and make sure they are fully inflated. Refill the windshield washer, coolant, and brake fluid. The wipers should also be in perfect working condition. Check on the condition of your spare tire. Wash and clean the car thoroughly so that you set the right tone for your trip. 

Ascertain that you have the necessary supplies
If you are going to an unfamiliar area, you will need to have a map. The first aid kit too should have all the supplies including antiseptic, band-aids, bandages, and so on. Take loads of water so that everyone stays well hydrated. A flashlight or two would be ideal in case your car battery dies at night. Phone chargers, a wireless kit, and other supplies to keep you entertained will come in handy. 

Check on your insurance status 
Driving with an expired insurance policy could spoil or cut short your road trip. Make sure that you check on its status before you set off. Consult your insurance providers on what damages your policy covers and whether you might need any more coverage for your road trip. 

Planning your next road trip in Frederick, MD and you need to know more about auto insurance? Contact Lebherz Insurance for a free estimate on your auto insurance coverage. 

Home Insurance Changes After Renovations

Are you considering a home renovation, or are you enjoying the perks of a new addition or improvement this summer? It may be a good idea to contact your insurance agent at Lebherz Insurance in Frederick, MD to make sure your home is still fully covered. Certain changes to your house can also change your home insurance policy terms. 

Renovations that may that trigger policy changes:

  • Change in use of the property like adding an office or a workshop can trigger changes in your insurance. Make sure you also add your business to your policy so you are protected. 
  • Change in an overall structure such as adding or even removing square footage can affect your insurance policy for various reasons, and it may even effect your county taxes depending on where you live. 
  • A new roof may actually save you money on your insurance. Be sure to report it, so the roof that covers you is also covered by insurance. 
  • A pool is a great way to chill out in the summer months, but it will affect your homeowner’s insurance policy and certain regulations such as a fence may be required. 
  • Home improvements that don’t make any drastic structural changes but improve the home, such as upgrading to granite countertops, should still be reported so those new expensive countertops will be covered by your policy. 

If you have made some renovations contact us at Lebherz Insurance today to make sure you are protected completely by your home insurance policy. Chances are, not much will change but it is always better to be safe than sorry. Also, keep in mind that some changes can actually benefit you in terms of insurance, call to find out more. We proudly serve Frederick, MD and the surrounding areas. 

 

Why you Need Commercial Insurance for Business Liability in Frederick MD

Business insurance pays for losses that happen during the course of business events. You can choose from many policies that cater to all businesses or niche markets. Business insurance includes legal liability, property damage, and personal injury, among other risks.  Ask your Lebherz Insurance how to best protect your business with the appropriate business insurance. Meanwhile, here’s some information to get you started. 

What is Business Insurance?

Small businesses are particularly at risk since they have smaller reserves and greater personal financial exposure. Are you wondering what is available? Take a look at the different insurance policy other you can consider:

Professional liability protects you from negligence due to mistakes or failure to complete a contract.  There is no one-size-fits-all professional liability coverage. Each industry has its own unique concerns that should be addressed.

Property insurance pays for lost, stolen or damaged items, such as signage, equipment, furniture, and inventory, in a storm, robbery or fire. 
It doesn’t cover earthquakes or floods. 

Home-based businesses need additional insurance since homeowner’s insurance probably won’t cover liability related to your business. 
Homeowner’s policies don’t cover home-based business risks. 

Product liability insurance covers manufacturers who make, sell and distribute their products.  This is crucial in the event of a lawsuit against your products.

Business interruption insurance if a great relief if you have to close a retail store or other location. Ask your agent what’s covered and how it’s relevant to your business.

At Lebherz Insurance, you can contact a representative to set up an appointment to discuss the insurance needs of your Frederick, MO experience.  Stop by for information and to receive a quote for your personal and business insurance needs.

 

 

Is It Time to Update Your Auto Insurance?

Changes in your life or lifestyle could alter your auto insurance coverage. By reviewing your policy annually, you can see if you need to update your coverage to suit your current situation. Updating your auto insurance will ensure you have the protection you need at a price you can afford. Here are a few instances where you should contact your Lebherz Insurance agent in Frederick MD to update your policy.

Your Teen Receives His or Her License

Once your teen has a permanent driver’s license, you should add him or her to your policy. Putting your teen driver on your policy ensures he or she is fully protected as per the coverage you’ve chosen. As a parent, you can have greater confidence in loaning the family car to your teen knowing they have the insurance protection they need.

You Change Locations

Sometimes moving to a new home can help lower your insurance premium. If your new home is close to work or school, you may drive less, reducing your risk of an accident. Putting less mileage on your vehicle annually could also qualify you for a discount on your policy.

Marriage

Marriage can add one or more extra drivers to your household, which will require an update to your auto insurance policy. If your spouse brings a new vehicle to your home, bundling your vehicles with home insurance could save you a bundle on insurance costs.

Change of Cars

If you upgrade your vehicle, you’ll need to update your policy to adjust coverage for your new car. Your insurance rates may go up or down depending on the coverage you choose and the make, model and year of the vehicle you buy.

At Lebherz Insurance, Frederick MD, we can help you choose an auto insurance package suited to your needs at an affordable price.

Why Home Insurance is a Good Idea

Your home is generally the biggest asset that you have. When you purchase your home, your mortgage lender most likely will require that you carry an adequate amount of homeowners’ insurance. This protects their financial investment in the home. A good policy works to protect the homeowner, as well.  The agents at Lebherz Insurance work with homeowners in the Frederick, MD area to ensure that they have adequate coverage for their needs.  

A homeowners’ policy will protect the home should it be damaged or destroyed. This is what most people think of when they consider insurance. A homeowners’ policy goes beyond that, though. It will also cover the outbuildings on the property. The contents of the home and all of your personal possessions will be protected by the policy. The policy will also cover your possessions if they are damaged or stolen when they are not on your property. For instance, if your laptop is stolen while you are at the local coffee shop, it will still be covered. If you have expensive collections, artwork or jewelry, you may want to discuss the possibility of additional coverage with your agent. Homeowners’ policies also provide liability coverage. This gives you protection in the event someone is injured on your property due to your negligence. It can cover medical and legal expenses.  

There are many reasons to carry quality homeowners’ insurance. The team at Lebherz Insurance can review your current policy and make suggestions about any gaps in coverage that may exist. Every homeowner is different and has different needs. Their experience in the Frederick, MD area helps them to provide the knowledgeable guidance to homeowners. Call them today and explore your coverage options today!

All the things that can distract you from driving

It goes almost without saying, as Lebherz Insurance, serving Frederick, MD, notes, that texting constitutes the most dangerous form of distracted driving. The End Distracted Driving website notes that texting while driving involves three types of distraction.

  • Manual distraction involves taking your hands from the wheel.
  • Visual distraction involves taking your eye off the road ahead of you.
  • Cognitive distraction involves thinking of something besides driving.

No wonder cell phone use of all kinds (voice and text) caused 27 percent of car crashes in 2015.

However, texting and taking on the phone while at the wheel is just one cause of distracted driving. The National Highway Traffic Safety Administration notes some others, including:

  • Fiddling with car electronics such as the radio or navigation system
  • Talking to passengers (especially unruly children in the back seat)
  • Eating and drinking while driving

Add to that, driving while impaired by drugs or alcohol, something to be avoided at all costs.

Two methods exist to avoid distracted driving and thus a car crash that could injure or kill you and your passengers. You can have a passenger be designated to use the cell phone or deal with the kids in the back seat if such needs to happen while in transit to your destination. If you do not have a passenger to take over these tasks and they have to happen immediately, pull over and deal with the matter. An automobile moving at any speed, especially on a highway, is a potentially deadly weapon and has to be under complete control at all times.

If you have any questions about auto insurance, feel free to contact Lebherz Insurance serving Frederick, MD,

Term vs. Permanent Life Insurance Policies

Perhaps your Frederick, MD employer provides group life insurance. Maybe you recently experienced a loss and it got you thinking about your family’s future. Lebherz Insurance can help you determine how much life insurance coverage you need and what type. You have a term or permanent life insurance from which to choose.

Term Life Insurance

A term life policy locks in a specific amount of coverage at a fixed premium rate for a limited time span, typically 10, 20, or 30 years. The premiums usually cost less than a permanent policy for the initial term but increase at the end of the term. If you stop paying the premiums at any point, the policy lapses and your beneficiary receives no death benefit if you die.

A term policy makes a good choice if you want to make sure your beneficiary could pay off a financial obligation that would come due during the term period. Example of this includes paying off a home mortgage or providing for a child’s education.

Permanent Life Insurance

A permanent life policy accrues cash value. It remains valid as long as you pay the premiums. Typically, these policies offer a fixed premium that does not increase.

Permanent policies sometimes require a medical exam when obtained. The premiums do not increase though if your health changes after the exam.

A permanent policy makes a good choice as tools for retirement planning or income replacement. Many contain options to add disability coverage. This means that if you become permanently disabled, you’ll have a ready source of cash to handle financial obligations like medical care.

Call Lebherz Insurance in Frederick, MD today to start planning your life insurance coverage. The younger you are when you obtain coverage, the lower your premiums will be and you’ll never be younger than you are today.