Baltimore Insurance Info

Insurance Facts

• Driving fewer miles annually is a good way to lower your auto insurance rate.
• In 2004, 175 million autos were insured in the US.
• Florida, Texas, and Louisiana have the highest homeowners insurance rates.
• Term life is far more popular today than whole life insurance.
• Liability insurance is a must for most businesses.
• Lloyd's of London, the famous writer of exotic insurance policies, is not actually a single insurance company but a consortium of mini-insurers
• Homeowner's insurance may cover your living expenses incurred due to loss of use of your home after a fire or other loss.
• $39.4b in insured losses were incurred on 9/11.

• Auto
• Life
• Home
• Business

 

Insurance is Something We All Need

Nobody wants to expect that something bad will happen, but no matter how hard we try to ignore it, the eventuality is always there. Insurance lets you be prepared for the unforseeable.Driving around Baltimore, you have to be ready for anything!

In many cases we have no choice in whether to carry insurance. The state requires you to carry auto insurance if you want to drive a car. Your mortgage company requires you to carry homeowner's insurance. If you have your own business you probably have multiple requirements for liability insurance and other coverage.

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Buying Insurance Doesn't Have to be Painful

Insurance is never free, but buying insurance doesn't have to be painful. Insurance is all about managing risks, and if an insurance company decides that you are a "bad risk" you may find it difficult to obtain insurance at all. But getting insured is almost always possible if you find the right company, the kind of company that is willing to work with you to find coverage at a price point that you can live with.

© Baltimore-Insurance.Info, 2010