What Can Affect Your Homeowners Insurance Premium?

Your individualized quote for homeowners insurance is not found on any kind of static chart that matches your age, home value and deductible information to a set price. Homeowners insurance quotes are specifically developed for each applicant and are based on the very personal details of your lifestyle and living space. Here’s a taste of what some of the factors involved in your premium pricing include:

The age of your home: Older homes are less fortified against natural disasters than newer homes, and are also more expensive to repair. Newer homes are built to new safety standards and with more durable materials. What does this mean to you? That if you have an older home, you can expect a more expensive homeowners insurance quote.

The construction of your home: Wood frame houses are susceptible to fire in a way that concrete block and brick homes are not. Concrete homes can also stand up to harsher environmental elements. That makes wood frame houses more expensive to insure.
Learn more about your Clinton MD Home Insurance from Jones & Associates Insurance Agency today.

High-Tech Auto Safety Features

We look away from the road for a few seconds to grab our coffee cup or glance at a billboard, we leave a little late for work and drive too fast, we drift off after a long haul on a monotonous road, or we freeze-up and fail to react to an erratic driver or an obstacle on the road. The sad fact is that these common errors are responsible for most of the accidents on the road, and they are all the responsibility of the driver.

But what if our cars could protect us from ourselves? That's just what some new high-tech safety features like these are aiming to do.

Read the rest of this story from Jones & Associates Insurance and check on your own Clinton MD Auto Insurance today!

Officials: Be Careful In Hiring For Home Repairs

by WBALTV | wbaltv.com | October 1, 2010


State officials are urging homeowners to be careful when choosing a contractor to repair damage from Thursday's severe weather.

Alexander M. Sanchez, secretary of the Department of Labor, Licensing and Regulation, said residents can be taken advantage of if they're not careful.

"Too often, unlicensed contractors arrive after harsh conditions, such as this week's storm and flood, with offers to help when their true intent is to take advantage of people in distress," he said. "Often the first available or the cheapest contractor is not the best choice."

Homeowners who use licensed home improvement contractors are protected by the Maryland Home Improvement Commission's Guaranty Fund. This fund is administered to compensate homeowners who suffer economic damages at the hands of a licensed home improvement contractor.
 
No coverage is provided to the homeowner if the contractor is unlicensed.

"Homeowners should remember the law requires contractors to hold a current license in order to perform home improvement, electrical, plumbing or heating, ventilation, air conditioning, and refrigeration work,” said Stanley J. Botts, DLLR's commissioner of Occupational and Professional Licensing.

Consumers may contact DLLR's Division of Occupational and Professional Licensing at 410-230-6001 or click here to check the licensing status and complaint history of any contractor.

Be sure you're covered with your own Clinton MD Home Insurance policy through Jones & Associates.

Maryland offers homebuying incentives to BRAC workers

by Ryan Sharrow | September 29, 2010 | Baltimore Business Journal



Maryland’s housing department said Wednesday a new program will provide an additional $2,500 in home buying assistance to military workers relocating to the state.


The BRAC Match Program enables homebuyers to receive $2,500 in down payment and/or closing cost assistance if purchasing a home through the Maryland Mortgage Program, administered by the state’s Department of Housing and Community Development. The state-run mortgage aid program offers first-time homebuyers a variety of low-interest, fixed-rate loan options.

The BRAC Match Program is available to civilian and military employees of the federal defense agencies that are relocating to Maryland.

The Base Realignment and Closure plan is expected to bring thousands of workers to Maryland from New Jersey and Virginia over the next several years.

The program can be used with other state assistance programs currently available to homebuyers.

In July, the state announced plans to expand the Maryland Mortgage Program ahead of BRAC and provide $100 million in mortgage loans to homebuyers in 10 counties.

Check on your own Maryland Home Insurance with Jones & Associates Insurance Agency today!

Suitland Auto Insurance

We are Jones & Associates Insurance Agency, welcome to our website! We specialize in Suitland Auto Insurance as well as general liability and renters insurance in Suitland and Clinton, Maryland. We also serve all of Prince George's County including Upper Marlboro and Fort Washington in Maryland.