Northern Chesapeake Insurance Services Blog

All You Ever Wanted to Know About Insurance

Burglary Prevention: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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Which Home Alarms Do You Need?

Technology has made home alarms of all kinds — from security to smoke, radon to radiation — more accessible than ever. Many of them can be configured to work together, and some even alert you to trouble through your...

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Device Insurance: Cover Your Personal Electronics With the Policy You Already Have

It seems everyone these days has a smartphone. Or a smart TV, a tablet, or an ebook reader. Or all of the above – and more. When you add it all up, you may find you have thousands and thousands of dollars tied up in...

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Named Perils vs. Open Perils Policies for your Home Insurance. What’s the difference?

There are many coverage options to select from when shopping for your homeowner’s insurance. You need to decide on your level of coverage, whether you want a larger monthly payment and smaller deductible or vice versa....

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What To Do If You're Involved in a Hit & Run Accident in Maryland

Being in a hit and run accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss...

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How to Deal With Road Rage

Have you ever noticed that, with roadway anger, it’s always the other guy’s fault? And, it very well could be. The thing is, you can’t control how other people drive. But, you can control how you respond to situations...

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Using Your Personal Vehicle for Business Delivery? You Need to Read This.

Do you use your personal vehicle to deliver papers, pizzas, sandwiches, flowers or other deliverables in exchange for money? Do you, from time to time, help your son or daughter with delivering their newspaper route? If...

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Safety Tips for Your Summer Swims

When the sun is out and the weather’s warm, people flock to the water — whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for...

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Protect Your Home & Property from Wildfires in Maryland

Wildfires occur every year and summer season is also known as fire season. Each year millions of acres across the country are scorched by both nature as well as human caused fire. By knowing how to minimize losses,...

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8 Scenarios That Would Warrant an Umbrella Insurance Policy

There are many scenarios that would warrant the need for an umbrella insurance policy. We outline a few of them here. Example #1: Your teenage daughter is babysitting the neighbor kids and leaves the house for a moment...

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5 Ways to Increase the Longevity of Your Car

Purchasing a car is a big investment. Some people keep cars for 10+ years, while others trade them in only after a few years of driving. Either way, taking pride in your vehicle and keeping it properly maintained is...

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Safety Tips for Summer Thrill Seekers

The family summer vacation is a time-honored tradition, and it often includes a trip to one of our country’s incredible amusement parks. But, while the rides and other attractions at these parks are typically safe, it...

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Firework Safety in Maryland

Many of us celebrate Independence Day by getting together with family and friends or barbecuing hot dogs and hamburgers. Others like to celebrate with fireworks. While fireworks can be exciting and provide great...

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What Every Motorcycle Rider Should Know

Safety Tips for Beginners to Experienced RidersThe key to staying safe riding your motorcycle is to be prepared and understand how to avoid risks. Motorcyclists are at a higher risk being on the road compared to a...

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What Should Go in Your Home Safe (or Safe-Deposit Box)?

Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your...

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Seven Areas to Check Before Buying a Used Camper

Spring is a great season to start looking for good used campers. Whether you’re looking at a dealership or from a person off of Craigslist, it’s important to know how to look for possible damage or wear. Look for these...

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Six Ways to Prevent a Costly Roof Repair

We all know that owning a home is an expensive investment. Unfortunately, you can’t just move in and let it set. Homes require constant maintenance to ensure you don’t get costly damage. We suggest doing a yearly home...

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Dog Bite Insurance Claims - What You Need to Understand

Owning a dog can be and usually is a joyous union. But, owning a dog comes with responsibilities and unforeseen events. According to the Insurance Information Institute, over $400 million a year is paid out for dog bite...

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The Type of Fire Extinguisher Every Home Should Have

A fire is a fire, and a fire extinguisher is a fire extinguisher, right? Well, not quite. There are actually different types of fires and different types of extinguishers that respond best to each one. So, which is...

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Key Things to Consider to Lower Your Energy Bill

Everyone loves to save money especially if it’s done with a few easy steps. Electricity bills can add up quickly in your home, but by making a few small changes can lower those bills and save money for other things in...

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Six Tips to Prepare and Maintain Your Vegetable Garden

Spring season can bring so much joy to garden lovers. Growing your own garden saves money on groceries each week, plus can give you the personal satisfaction of growing your own food. It’s fun when you can involve your...

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Navigate Rainy Roadways With Care

It’s just rain — how much impact can it really have on your driving? The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during and after...

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5 Things to Consider Before you Switch Your Insurance in Maryland

Switching your insurance policy can save you hundreds of dollars a year. But, make sure you consider these things before you make the switch. Tip #1: Compare Apples to Apples - You’ve seen the commercials – “average...

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Who is responsible if my neighbor’s tree falls onto my house?

Neighbors are great! You can count on them to keep an eye on your place while you’re away, let out a furry friend or even borrow some last minute ingredients! Shoot, some of your neighbors are probably some of your...

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Identity Protection Tips for Tax Season

What’s the most important number for you this tax season? The amount of your refund? The amount you owe? The number of hours spent poring over all the other numbers? All of those are pretty important, but none of them...

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Strange Insurance Policies - Who Knew!

When it comes to the insurance world, you can pretty much insure anything. There are companies that insure things for the obvious insurance reasons of liability, but also some that take risks on things like how much...

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Be Ready for an Unexpected Power Outage in Maryland

When nasty weather hits it can be easy to say, “it won’t affect me, our power never goes out!” But, being prepared in the event that you do lose power will save you a lot of nervousness and more. There are many things...

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What to Do After a Car Accident in Winter

Freezing temperatures, gusts of wind, patches of ice – winter can be a horrible time to be on the road, especially if you’re on vacation and aren’t used to driving in winter conditions. And, it’s an even worse time to...

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Northern Chesapeake Insurance offers Winter Driving Tips for Ice & Snow

It’s important for every driver to know how to drive in winter weather conditions. It can be challenging to drive in these conditions, but with the knowledge of the information below, you'll know how to stay safe on the...

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Home Inventory - Do you Know All of Your Items?

For most of us, we won’t have to experience a disastrous home loss such as a flood, fire, earthquake or other disaster. That doesn’t mean any of us should be less prepared for such an event should one occur. Preparing a...

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How to Avoid Animal-Vehicle Collisions

About 2 million times every year, animals and cars collide on U.S. roadways — often causing serious and even fatal injuries to drivers and passengers, along with about $1 billion in damage, according to the U.S....

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