Jewelers Mutual Insurance Company recognizes Rossmann-Hurt-Hoffman, Inc among its top agents

This week, Jewelers Mutual Insurance Company recognized
its top agencies, including Rossmann-Hurt-Hoffman, Inc, for expertise in jewelers block
insurance during its annual National Sales Conference. Agencies were named to the
Centerstone Circle Agents in recognition of their efforts to serve Jewelers Mutual policyholders.

“Jewelers Mutual agents are the most knowledgeable jewelers block insurance experts in North America, and we are pleased to recognize their accomplishments,” said Jewelers Mutual’s President and CEO, Darwin Copeman. “Our agent partners play a key role in serving and protecting our policyholders. They are skilled in minimizing risk, assessing coverage needs, and, when the unthinkable happens, our policyholders count on them for advice and support as they recover from a loss. They are vital to our business.”

Do you need extra insurance for a rental car?

COLLISION DAMAGE WAIVERS FOR RENTAL CARS

Frequently Asked Questions

Q: I’m going on vacation and plan to rent a car. I’ve been told my personal auto policy will cover the rental vehicle. Is this true?
A: The majority of auto insurance companies will extend coverage from your personal auto policy to a rental vehicle. With most policies, coverage pays for actual repairs to the rental car, but you remain responsible for your policy deductible. In addition, the rental agreement often makes you responsible for additional items.

If your personal auto policy no longer includes comprehensive or collision coverage, the rental car will not be covered if it’s stolen or damaged. In addition, if you rent a car outside of the United States, coverage may not be extended.

Q: I’ve also heard that if I use my credit card to pay for the rental vehicle, the rental vehicle will be covered. Is this true?
A: Many, but not all, credit card companies offer rental insurance, and will pay for damage to a rental car if you pay with that card, but the coverage will be secondary to your personal auto policy. In other words, your credit card company may pick up whatever your personal auto insurer does not pay, such as your deductible.

Q: If my personal auto policy covers my rental car, and my credit card covers my deductible, doesn’t this mean I’m fully covered?
A: While your personal auto policy and use of a credit card may provide sufficient rental car coverage in many situations, they frequently fall short.

Your personal auto policy and credit card will not cover costs and fees such as towing, loss of use (the period the rental car is out of service due to repairs), diminished value (a wrecked and repaired vehicle can be viewed as less valuable than an undamaged, factory original) and administrative fees, all of which may be tacked on by the rental car company in the event of an accident, and all of which you can be held liable for. Remember, the renter is always responsible for any loss or damage to a rental vehicle, regardless of who is at fault.

Q: In that case, would it be wise to purchase the extra “insurance” offered by the rental car company?
A: A collision damage waiver (CDW) purchased from a rental car company essentially takes the place of your own collision and comprehensive insurance, letting you and your insurance company off the hook if you wreck the rental car, or if it’s stolen or vandalized. In exchange for purchasing the CDW, the rental company agrees to “waive” claims against you for damages in the event of an accident. But, your CDW coverage could become void if the accident was caused because you were speeding, driving under the influence, or the accident was the result of a reckless act or error on your part.

Q: Does this mean I should purchase the CDW offered by the rental agency?
A: Before renting, familiarize yourself with your insurance options by:

  • Contacting your RHH Insurance agent and finding out if you have enough coverage under your existing policy; and
  • Contacting your credit card company to find out if it offers rental car coverage, and any restrictions and limitations.

If the two coverage methods mentioned above seem inadequate for your needs, you may wish to consider the purchase of a CDW.

Q: How do I know what I should do?
A: Making such a decision about your options is yours — and yours alone under the law. RHH Insurance is an independent insurance agent, we can explain your options and choose the coverage that is right for you. Contact one of our representatives today to learn more about our personal insurance products and services. Or fill out our online form for a no-obligation, free quote.

Rossmann Hurt Hoffman Insurance Offers Quality Insurance Products For Over 140 Years

Rossmann Hurt Hoffman Insurance Inc. has offered superior quality insurance products to people and businesses since 1871. The company is very proud of its ability to offer high quality insurance to its customers. Their extraordinary team of customer service experts takes pride in the excellent reputation they have earned for great service and for their exceptional customer focus.

Businesses from Maryland and from many other states have relied on Rossmann Hurt Hoffman Insurance for their insurance needs for decades. Rossmann Hurt Hoffman provides quality insurance to restaurants. They also offer general liability insurance for contractors such as plumbers, electricians, roofer’s, landscapers, flooring, roofing, street and road contractors. They provide insurance products to many other businesses as well.

Rossmann Hurt Hoffman offers car insurance and professional liability insurance in addition to their premium insurance products for businesses. The Maryland based company is also licensed and able to offer insurance products in many other states.

The company has special programs in place that allow them to find the best rates for each customer based on their needs. This very customer focused operation has earned an excellent reputation in the insurance business. All their systems are automated allowing them to work quickly and efficiently to find the best insurance for each clients needs.

With total customer focus, they take pride when they are able to get great rates for their clients and offer the best insurance products for the best price. They always strive to build long-term relationships with each client and the relationships are based on trust. This company-wide philosophy is practiced by everyone that works for Rossmann Hurt Hoffman Insurance, Inc. Their highly trained team finds the best products available on a case by case basis, and offers those products to clients at very competitive prices.

Rossmann Hurt Hoffman Insurance, Inc. has received the honor of being named a Best Practice Agency out of 900 eligible candidates. This is an honor and an amazing achievement. Only 195 were selected for this competitive honor and Rossmann Hurt Hoffman Insurance was proud to be named a Best Practice Agency for 2004 and 2005.

CDC’s Hurricane Health & Safety Tips | Ellicott City Insurance

Stay informed about Hurricane Readiness with new social media tools such as twitter, facebook, eCards, buttons, badges, and widgets! The CDC Hurricane Tips widget allows you to display the tips directly on your webpage. You can embed content in personalized homepages, blogs, and other sites. Once you’ve added the widget, there’s no technical maintenance. CDC will update the content automatically.

Learn more about social media tools>>  - Get the widget >>

 

This Month’s Tip | Exercise Caution with Bug Bombs

With the summer months upon us, many people are dealing with insect problems inside their home. Some people use total release foggers, aka “bug bombs,” to eliminate these pests. Bug bombs are pesticide sprays that discharge all of their contents at once. The contents are released upward, filling the air with pesticide. Spray droplets remain suspended in the air for a short time before gradually settling onto floors, countertops, and other surfaces in the home.

The California Department of Pesticide Regulation (DPR) advises that many people misuse this product. A 2008 study of pesticide illness reports in 8 states found 466 illnesses related to fogger use in a 5-year time frame. For example, some people set off multiple foggers, often in smaller homes. In one case, this negligent act resulted in the water heater’s pilot light igniting the flammable gas, resulting in a major explosion and the destruction of the home owner’s property.

The California DPR has reported that every year bug bombs explode and catch fire when people ignore simple precautions. There have also been numerous incidents of respiratory, eye, and skin irritation from overexposure to these fumes. The following are some California DPR safety tips for the summer.

-Avoid chemicals whenever possible. Effective use of window and door screens and maintaining a clean home are good precautions against pests. Proper caulking of your home can also help.

-To choose the best control strategy, you should correctly identify the pest. Always read labels before using the pesticide, and follow all instructions closely.

-Use no more pesticide than necessary. You should read and follow directions for the recommended number of fogger aerosol cans to use. Generally, you should use no more than one 6 or 8 ounce fogger for apartments or small residences.

-When using bug bombs, you should turn off ignition sources, such as gas pilot lights and electrical appliances. Appliances like refrigerators and air conditioners may produce a spark when they cycle on and off.

-Hire a professional exterminator for major bug infestations.

Preparing For Spring Storms

Regardless of location, spring storms can cause damage to your home, lawn, cars, and other items that are exposed to the elements. Fortunately, there are steps you can take to help you prepare for spring storms and the damage they may cause.

Pay Attention to Surrounding Trees: If a spring storm comes through with high winds, trees that are close to the house, cars, or other buildings can cause serious damage. To prepare for spring storms and decrease the amount of potential damage, it can be helpful to cut down trees close to the house and other buildings.

Have an Emergency Plan: In the case of a severe spring storm, it can be vital to come up with an emergency plan that can help keep all family members safe and on the same page. In addition to having a well thought out emergency plan, it can be imperative that you include emergencies supplies in the plan.

Have Good Personal Insurance: The fact of the matter is, if a strong spring storm occurs, damage is often the result. However, there’s a way to ensure that you don’t end up losing money, valuables and time. Personal insurance is an excellent way to make sure that you’re completely covered. In most cases, personal insurance is a term used to describe a variety of insurance types including homeowner’s insurance, auto insurance, and life insurance. When it comes to preparing for spring storms, homeowner’s insurance plans offer coverage on items including:

-Buildings on your property -Your Home -Personal items such as furniture, clothes, appliances and other household items -Certain living expenses -Legal liabilities

While you can take steps to reduce the amount of damage possible, you can’t take the risk out of spring storms. In order to ensure that your valuables are protected, it’s extremely important to have your insurance paperwork up to date; having a well thought out insurance plan can be the best way to set yourself up for financial security and stability.

Protect Belongings in Self Storage Units

The Self Storage Association, or SSA, reports an estimated 10 percent of Americans rent a storage unit, contributing to an industry that brings in $20 billion a year in revenue, making self storage the fastest growing commercial real estate section in the last 30 years.

With so many people storing personal property, it is important to consider storage insurance. Rental agreements with the average storage unit dictate the tenant as responsible for lost or damaged goods within the unit. A tenant would have to refer to personal insurance coverage first. A limit equal to 10 percent of the personal property within a storage unit is provided, according to the 2011 ISO HO 3. This limit of liability is not always sufficient.

Take for instance a homeowner who downsizes from a 3,500 to a 1,600 square foot home due to financial hardship. The homeowner rents a storage unit for the personal property that does not fit in the smaller home, such as furniture, art, tools, televisions, lawn equipment or appliances. The college-bound children store items in the unit as well.

If the new home has a personal property limit of $60,000 and is insured for $120,000, then the personal property coverage for the items in the storage unit is $6,000. Given the expensive items in the storage unit, this figure could be far too low for adequate insurance coverage.

In order to bridge a gap in coverage, there are 3 options. One option includes increasing the personal property insurance amount in the self storage facility endorsement (HO 06 14), which will increase the storage unit’s limit of liability coverage. Another option is to add the items in the storage unit to a personal inland marine policy, or floater, to allow for more coverage. A third option is to buy extra coverage through the storage facility. This option may be more expensive than a homeowner’s policy and require a deductible of $100 to $500. Storage facilities often charge $.50 to $2 per $100 of property.

With these options for covering potential insurance gaps, calculating the value of stored property is important to determine if and how much extra coverage is needed, taking into account the size of the deductible. Once all the factors have been contemplated, the decision for extra insurance can be made.

Dundalk water-main break triggers coverage questions | RHH Insurance

The extensive damage caused by the water-main break in Dundalk last week has lead to many coverage questions and potentially erroneous interpretations.
Normally this type of loss should be considered a flood, and in order for there to be coverage there must be a Flood Policy in effect.  This was confirmed by the Maryland Insurance Administration.  Some insurance companies, however, have indicated they might cover the claims under homeowners’ or other property policies.  This will depend on the wording of the individuals’ policy, specifically the water-damage exclusion, coverage for burst pipes and/or backup of sewer and drains coverage.
Here are the MIA’s official guidelines concerning this incident:
•    People who have flood insurance can file under their flood policy
•    People who don’t have flood insurance should file a claim with their property  insurer and get any denial in writing; and
•    The MIA will handle any complaints they get and look at the specifics at that time.

Floods can happen anywhere and everyone is at risk, as demonstrated by the Dundalk water-main break.  This is a perfect example of why even if you don’t live near the water you still need a Flood Insurance Policy!

Quick Flood Preparation Tips

Everyone in the United States lives in a potential flood zone – but only about 2 percent of Americans have flood insurance. Following are helpful flood preparation tips to encourage your insureds to add this necessary coverage

• Review your current homeowners and/or business insurance policy and become familiar with what is and is not covered. Remember – damage due to flooding is typically not included in your policy.

• Call your independent insurance agent to purchase flood insurance for your home and business – and its contents.

• Make a flood plan and establish evacuation routes with your family. Ask someone out of state to be a “family contact” in case you get separated from loved ones.

• Before a flood or natural disaster occurs, get ahead of the game by itemizing and taking pictures of your possessions.

• To avoid water damage during a flood, keep valuable items and family heirlooms on the upper floors – or on high shelves in your closets – of your home or business.

• For more information about how to prepare for a flood, visit www.floodsmart.gov/floodsmart/pages/preparation_recovery/before_a_flood.jsp.