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Office Hours

M-Th 8:30 AM - 5:00 PM

F 8:30 AM - 4:30 PM

 

Germantown Office

13208 Executive Park Terrace
Germantown, Maryland 20874
Phone: 301-428-0282
Toll Free: 800-310-ERIE (3743)
Fax: 301-972-9352 / 888-642-8056

 

Frederick Office

5300 Westview Drive
Suite 304
Frederick, MD 21703
Phone: 301-694-0028
Fax: 301-694-0500

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Insurance Blogs - Germantown - Frederick - MD - Schaefer & Delauder Insurance Agency

Asking the Right Homeowners Insurance Questions

Do you know why spring is known as the home buying season? It seems that almost half of home sales for the entire year occur during the period of April through June.

If you are shopping for a new home, you probably already know that you’ll be asking a lot of questions. You’ll want to know about the neighborhood, perhaps the schools, and the financials – from the mortgage interest rates to fees and taxes. After all, buying a home is likely the largest investment you’ll be making

While you’re at it, don’t forget to find out about homeowners insurance and how your home’s size, construction, location and condition will impact your insurance cost.

You can find out which insurance questions to ask by watching the following video …

Here at Schaefer & Delauder Insurance, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to all of Maryland including Germantown and Frederick MD,  as well as District of Columbia, Virginia, West Virginia, North Carolina, New York , Delaware and Pennsylvania. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.


 

Halloween Driving Hazards

Halloween Driving SafetyHalloween is a holiday to celebrate the spooky side of life as witches, goblins and ghosts emerge to enjoy tricks and treats – particularly in the early evening hours. But be aware that distracted children and adult partygoers might not pay attention to traffic. If you’re driving, you’ll want to heed the following Halloween safe driving tips to avoid accidents that can spoil your fun and leave you with an auto insurance claim.

  • Remember that Halloween might be celebrated on days other than October 31st. So use caution when driving in weekend traffic before or after Halloween.
  • If you are driving to a costume party, be sure that your costume does not obscure your vision. Opt for makeup instead of a mask, or delay adding any head gear or masks until you have arrived and parked your vehicle.
  • Since trick-or-treating tends to be in residential areas, use major routes and highways to reach your destination instead.
  • If you must use residential roads, try to avoid peak trick-or-treat hours of 6-9 P.M. when traffic will be most congested in those areas.
  • This is not a time to hurry. Allow ample time for your trip and perhaps even drive below the posted speed limit to avoid excited children that could dart into your car’s path, unexpectedly.
  • If you are stopping to pick up or drop off partygoers and trick-or-treaters, be sure to use your hazard lights to let other drivers know what you are doing. In fact, check all your vehicle’s lights ahead of time to be sure they will work to make you visible to the traffic around you.
  • Remember that parked cars obstruct your view, so don’t rely on sight alone. Eliminate noise inside your car and perhaps open a window to listen to the voices and activity around you.
  • Even after the peak trick-or-treat hours of early evening, watch for drivers who are erratic or speeding. Remember that adult partygoers may be driving home later and could be distracted or impaired.

Auto Insurance Tip

If you will be driving other trick-or-treaters or partygoers this Halloween season, be sure that you are fully protected with property, liability and medical coverage on your auto insurance policy. Check with your insurance agent to confirm that your coverage is in place is well before you need it.

 

Tags: auto insurance, Halloween, safety, car accidents, liability insurance

Here at Schaefer & Delauder Insurance, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to all of Maryland including Germantown and Frederick MD,  as well as District of Columbia, Virginia, West Virginia, North Carolina, New York , Delaware and Pennsylvania. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.


Life Insurance: Your Legacy of Love

Conversations about life insurance typically involve death and tragedy, but they don't have to. This video reframes life insurance as a story about life and love because that's really what it's about. You're not buying life insurance for when you die; you're buying it for when your loved ones live. Share it with those you hold dear to remind them that they are loved.

Here at Schaefer & Delauder Insurance in Germantown and Frederick, MD, we welcome your life insurance questions.  Why not contact us to discuss your life insurance policy or request a quote today?


U.S. Agencies Hacked - Are You Concerned About ID Theft?

Identity Recovery Insurance Coverage to protect against ID TheftThe news that many federal agencies’ personnel management systems were hacked – and possibly by a foreign government like China – has many federal employees wondering if they might be at risk for imminent identity theft.

CNN reports that as many as four million current and former federal employees, from nearly every government agency, might have had their personal information stolen.

If you are one of the many at risk, perhaps you are wondering what is at stake and how to avoid becoming an ID theft victim.

In case you missed it, our article, “Identity Theft Myth Dispelled, might now be of great interest to you. We have shared information from the National Crime Prevention Council and identified some of the most prevalent methods of gaining access to your bank accounts and other confidential data, once someone has your contact information; and it lets you know what to do if you become the victim of identity theft

Identity Theft Insurance Tip

Fortunately, you do not have to wait for the worst to happen.  You can take charge and arm yourself with Identity Recovery insurance coverage right now.  Many of our major carriers offer some form of identity theft coverage.  It can come in many forms, from a stand-alone policy, to an endorsement.  In fact, some carriers offer it as a part of a Homeowners policy. Getting started is as simple as checking with your insurance agent.

Tags:  identity theft, ID recovery coverage, data breach

Here at Schaefer & Delauder Insurance in Germantown and Frederick, MD, our agents have the details you'll need; and we can help you explore your options and arrive at identity recovery insurance coverage that meets your needs. Why not contact us today and assure peace of mind well before you ever have to face this peril?


 

 

 

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