A domestic partnership describes a same-sex or opposite sex couple in a committed relationship — similar to a marriage — but without an official marriage license. Know your rights, employee benefits, and the laws in your state to make sure that each of you has the protection that you need.

Please contact our office for a no-obligation review of all your insurance needs.

Take the Domestic Partner Quiz

INSURANCE IQ: LIFE INSURANCE
Do you know the difference between Term and Whole life insurance? Permanent versus Variable policies? Make sure you understand the basics about life insurance.
Please contact our agency for a no-obligation review of all your insurance needs.

The good news is, yes, pothole damage is usually covered—providing you have collision coverage. Collision coverage, an optional portion of a standard auto insurance policy, covers damage to a car resulting from a collision with an object (e.g., a pothole, lamp post or guard rail), another car or as the result of flipping over. However, it does not cover wear and tear to a car or its tires due to bad road conditions.
 
Collision coverage is generally sold with a deductible—the higher your deductible, the lower your premium. Your collision coverage will reimburse you for the costs of repairing your car, minus the deductible.
 
Collision insurance is different from comprehensive insurance, which is also an optional coverage. Comprehensive coverage reimburses drivers for theft, vandalism, flooding and damage from fallen objects, such as trees.
 
A driver who hits another car, or a pedestrian, due to a pothole also will be covered by liability insurance, which is required to drive legally in every U.S. state except New Hampshire. Liability coverage applies to injuries that you, the policyholder or designated driver, cause to someone else.

There are over six million auto accidents every year and taking the right steps after an accident is vital. Learn what you should do if you get involved in an accident. Spokespersons: Corporal Rob Maroney, Maryland State Police; Richard Hospital, Insurance Underwriter

Accidents can happen to anyone and through no fault of your own.

Please contact our office for a no-obligation review of all your insurance needs before it's too late.

More than 1,000 boats are stolen every month. If you are a boat owner, learn some easy and effective ways to protect your craft from theft. Spokespersons: Robert Bryant, National Insurance Crime Bureau; Lt. Lee Polfray, Marine Investigator

Please contact our office for a no obligation review of all your insurance needs.

As a senior, you may be planning to sell your home and retire to a new area, considering long-term care coverage, or evaluating annuities. In addition, you may be entitled to discounts on home or auto insurance. Now is a good time to re-evaluate your insurance needs and coverage.

Take the Seniors Insurance Quiz

As an established family, you may already have many of your basic insurance needs in place, such as life insurance and homeowners coverage. However, as the value of your home and other assets increases, and as your children approach college age, your financial situation - including your insurance needs will change.


Take the Established Family Quiz

As a new family, perhaps with children under 5 years of age, your financial situation changes. Your considerations include buying a home, protecting your family in the event of a family member's death and making sure you have adequate health insurance for you and your children.

Take the Young Family Quiz

Over one million bicycles are stolen every year, but many people don't even know whether their bikes are covered by their insurance. What happens if you injure someone in a bike accident and they sue? Are you protected? Find out by watching this video.