Protecting Your Maryland Home: A Guide to Insurance

When Walford, MD homeowners are looking to learn more about their most valuable investments, BES & Associates Insurance is on hand to help. The prospect of keeping your home protected can be a daunting one but when you speak to our professionals? We will remove all of the stress and anxiety from the process.

Here is how to ensure the continued safety of your residence:

Prepare an Inventory

A homeowner’s insurance policy in Maryland is only as effective as the inventory that has been provided. Homeowners must be as thorough as possible in this regard. Any items that you are looking to protect have to be considered. Go through the residence and make a list of every crucial item before you meet with insurance agents so that they can be taken into account.

Read Your Policy Carefully

Don’t make the mistake of choosing a policy without taking the time to read it first. How else are you going to know what is covered and what is not? Look over the policy with experienced insurance agents. They will be able to answer any and all questions that you may have. Otherwise, you could be left with insufficient coverage over the long haul.

Consider All Possibilities

While there are certain occurrences that may not seem likely, that does not mean that you should be making any rash decisions based on these types of hunches. When it comes to homeowners insurance, you need to be operating by the “better safe than sorry” principle. There is no reason why you should ever be cutting any corners.

We Are Here To Help

Would you like to learn more about potential home insurance policies in Walford, MD? If so, please be sure to give us a call today. Our team of professionals has the experience and know-how to help guide you through the policy selection process.

Do You Need Home Insurance in Maryland?

The agents at BES & Associates Insurance serving the Walford, MD area realize that your home is more than likely one of the largest investments you and your family will make. This is the reason they want to help you protect yourself with a home insurance policy.

Do You Need Home Insurance in Maryland?

While the state of Maryland does not require homeowners to have a home insurance policy, most banks and mortgage companies do require you to have a policy until your mortgage is paid off. Even if you no longer owe money for your house, it is still imperative to have a home insurance policy to protect your home if disaster strikes.

What Does Home Insurance Cover?

Nearly all home insurance policies cover the structure of your house along with the contents inside. The contents inside can include not only your clothing and other personal belongings but your electronics, furniture, appliances, and more. This is so important if your home is destroyed by a fire or even a natural disaster. You never know what is going to happen in the future, which is the reason home insurance is so important.

For instance, if your house is vandalized or robbed, a home insurance policy will help you replace lost items and repair anything that is damaged. You can even secure a home insurance policy that will protect your house as well as other structures on your property, including fences, sheds, and garages.

Home insurance can also help you out if someone is injured at your home. It can help pay for their medical bills and keep you from dealing with a potential lawsuit.

Most insurance policies do not include floods or earthquakes, but you can add these to your home insurance policy if needed.

Contact Us Today

Call upon the experienced and knowledgeable home insurance agents at BES & Associates Insurance serving the Walford, MD area for all of your home insurance needs.

How to Prevent Ice Dams From Damaging Your Roof This Winter

Winter weather is not always nice to your home. And while there are some issues that arise that you cannot prevent, there are other issues that you can try to minimize or prevent from happening altogether. At BES & Associates Insurance, serving the greater Waldorf, MD region, we provide home insurance to residents in the state of Maryland. We also want to provide tips to help minimize the frequency with which you may need to use your home insurance policy.

Here are a few tips that can help to prevent ice dams from forming on your roof and causing roof damage.

Preventing Ice Dams From Damaging Your Roof This Winter 

Remove Snow From Your Roof

One of the ways that you can prevent ice dams from damaging your roof this winter is to remove snow from your roof. As the snow starts to melt, it turns to water. This water can then turn to ice if it starts to freeze again, which creates the base for an ice dam to form. By removing snow from your roof with a snow rake, you can prevent a lot of ice dams from forming. 

Clean Out Your Gutters

The other way to prevent ice dams from forming is to clean out your gutters during the fall months. When your gutters are free and clear of debris, water can flow from your roof and away from your home. If the gutters are filled with debris, that debris can trap water, and then that water may freeze. This can lead to the start of an ice dam. By cleaning debris from your ice dams, you can prevent ice dams from forming. 

Get Your Home Insured Today

Ice dams can form on your roof during the winter months. They can become quite heavy, and unfortunately, they can cause a lot of damage to your roof or even cause your roof to cave in. While you cannot prevent all types of damage from happening to your home, you can prevent some types of damage, including most ice dams. Here at BES & Associates Insurance, serving the greater Waldorf, MD area, we can help you with all your home insurance needs. Contact us today to get started.