# Woodhome Insurance | Auto Insurance&Property Insurance in Baltimore > Woodhome Insurance | Insurance Agency in Baltimore, MD ## Posts - [Why Using an Insurance Broker is Your Best Bet for Saving on Insurance](https://woodhomeinsurance.com/saving-on-insurance/):     In today’s complex and ever-evolving insurance landscape, finding the right coverage can be a daunting task. Enter the insurance broker”â€your personal guide to navigating the maze of policies and premiums. At Woodhome Insurance, we understand the value a skilled broker brings to your insurance experience. Here’s why you should consider using an insurance broker for your next policy. Expert Guidance Tailored to You One of the most significant advantages of working with an insurance broker is the personalized service they offer. Unlike direct insurance agents who represent one company, brokers work for you, not the insurance companies. This […] - [Unlock Savings with Bundle Insurance: The Secret to Lower Premiums](https://woodhomeinsurance.com/savings-with-bundle-insurance/): In the quest to stretch our hard-earned dollars further, especially in today’s unpredictable economy, finding ways to cut costs without sacrificing quality is gold. For homeowners and car owners, a gleaming opportunity to do just that lies in the often-overlooked strategy of bundling insurance policies. At Woodhome Insurance, we’re all about empowering you with information that not only enhances your security but also optimizes your finances. Let’s dive into how bundling your car and homeowners’ insurance could be the key to unlocking significant savings. The Power of Bundling The concept of insurance bundling is straightforward yet impactful. By choosing to […] - [Unraveling the Mystery: Why Baltimore Car Insurance Rates Soar](https://woodhomeinsurance.com/baltimore-car-insurance-rates-soar/):     Navigating the bustling streets of Baltimore, with its rich history and vibrant culture, is an experience unlike any other. However, for car owners, there’s a less exciting aspect to contend with ““ the notably high car insurance rates. If you’ve ever wondered, “Why is Baltimore car insurance so high?” you’re not alone. Let’s delve into this question, shedding light on key factors that drive up costs, and how Woodhome Insurance, a beacon of affordability located in Owings Mills, MD, is helping residents find a silver lining. Navigating the bustling streets of Baltimore, with its rich history and vibrant […] - [The Importance of Business Insurance for Small Businesses](https://woodhomeinsurance.com/importance-of-business-insurance-for-small-businesses/):     In today’s dynamic business landscape, small businesses face numerous risks and uncertainties that can potentially derail their operations. From property damage to liability claims, the consequences of not having adequate insurance coverage can be devastating. This blog post explores the critical role that business insurance plays in safeguarding the interests of small businesses, emphasizing the need to assess specific needs and tailor insurance policies accordingly. Small businesses are vulnerable to a wide range of risks, and having the right insurance coverage can provide financial protection and peace of mind. Let’s dive into some of the main reasons why […] - [Saving Money on Homeowners Insurance: Tips and Tricks](https://woodhomeinsurance.com/saving-money-on-homeowners-insurance/):   Welcome to our blog post titled “Saving Money on Homeowners Insurance: Tips and Tricks.” In this article, we will provide you with valuable insights and strategies on how to reduce the cost of your homeowners insurance. By following the tips and tricks shared here, you’ll be able to make informed decisions and potentially save a significant amount of money on your insurance premium. Understanding Homeowners Insurance Before we dive into the tips, let’s start by understanding what homeowners insurance is and why it’s important. Homeowners insurance is a type of insurance policy that provides financial protection for your home […] - [Homeowners Insurance: What's Covered and What's Not,](https://woodhomeinsurance.com/homeowners-insurance-whats-covered-and-whats-not/):     Home insurance plays a vital role in safeguarding your most valuable possession: your home. In this blog post, we will explore the different aspects of homeowners insurance coverage to help homeowners understand what their policy truly covers and what it doesn’t. Covered perils Fire and smoke damage Fire and smoke damage are among the most common perils covered by homeowners insurance. In the event of a fire, homeowners insurance can help cover the cost of repairs, rebuilding, and replacing damaged belongings. Windstorm and hail damage Another peril covered by homeowners insurance is windstorm and hail damage. Whether it’s […] - [Top Factors That Affect Your Car Insurance Rates](https://woodhomeinsurance.com/top-factors-that-affect-your-car-insurance-rates/):   Car insurance is a vital financial protection that every driver should have. It provides coverage in case of accidents, theft, and other unforeseen events. However, the cost of car insurance can vary greatly depending on multiple factors that insurance companies take into consideration. Understanding these factors is crucial in order to make informed decisions and potentially lower your insurance rates. Driving Record Your driving history stands as one of the most pivotal elements influencing the rates of your car insurance. Insurance companies consider your history of traffic violations, accidents, DUIs, and DWIs. Drivers with a clean record and no […] - [Protecting Your Home: A Guide to Homeowners Insurance](https://woodhomeinsurance.com/protecting-your-home-a-guide-to-homeowners-insurance/):   “Protecting Your Home: A Guide to Homeowners Insurance” is a comprehensive blog post that aims to educate readers about the importance of homeowners insurance and how it can safeguard their most valuable asset. The post explains the various aspects of homeowners insurance, such as coverage options, policy types, and factors that influence premiums. It also explores the significance of insuring personal belongings, liability protection, and additional living expenses coverage in case of emergencies. The blog post further delves into the process of choosing the right insurance provider and policy by offering practical tips and things to consider. By the […] - [Here’s How Much Life Events Can Alter Auto Insurance Rates](https://woodhomeinsurance.com/alter-auto-insurance-rates/):     Feb 8, 2023,02:54pm EST It should come as little surprise to anyone that recent bouts of inflation, extended supply-chain shortages, and more drivers taking to the road in the post-pandemic era have caused car insurance premiums to rise by double-digit figures over the past year. According to a just-released study conducted by the personal finance website Bankrate.com, the average annual cost to insure a vehicle in the U.S. is $2,014, which is up by 13.72%. It now takes 2.93% of a family’s yearly income to pay for full coverage. As always, an individual’s auto insurance costs are based […] - [5 WINTER WEATHER RISKS TO WATCH OUT FOR AS A HOMEOWNER](https://woodhomeinsurance.com/winter-weather-risks-to-watch-out-for-as-a-homeowner/):   Winter weather poses a lot of risk for homeowners. Snow, water, ice, and even just the cold itself can cause property damage. And to make things worse, some of that damage isn’t covered by a typical homeowners’ insurance policy. With that in mind, here are five tips for protecting your home from winter weather risks and advice for ensuring that any potential damage is covered by your insurance Be Ready For Snow Damage A heavy snowfall might leave a beautiful blanket of snow in the backyard, but it could also damage your home. The heavy weight of the snow […] - [The Percentage of Businesses Hit By a Cyber Incident Since 2019](https://woodhomeinsurance.com/revealed-the-percentage-of-businesses/):   Three-quarters of businesses in the UK and the US have been hit by a serious cyber-attack at least once since 2019, according to the S-RM Cyber Security Insights Report 2022. The result was a 25% increase from the 60% reported by senior IT respondents in 2021. Both the UK and the US saw a significant increase in attacks across all incident types in 2022, with most percentages up by as much as 10%. Data exfiltration went up from 37% to 46%, ransomware from 30% to 40%, hacktivism from 32% to 39%, denial of service from 28% to 39%, fraud […] - [The spring season also means making some changes to your home](https://woodhomeinsurance.com/spring-seasonmaking-some-changes-to-your-home/):   Here are 9 tips you can use to prepare your home for spring: 1) Clean out your gutters and make any necessary repairs. It may take a little work, but it will prevent damage to your roof later in the summer. 2) While you’re up there, visually inspect your roof. Look for loose shingles, missing shingles, or even ones that look buckled. If you have a problem area, call a professional. 3) Test your outside faucet. Turn back on the water and make sure it flows easily. If you can stop the flow of water with your thumb, you […] - [Spring Car Maintenance: 7 Tips to Prep Your Car for Spring](https://woodhomeinsurance.com/tips-to-prep-your-car-for-spring/): When snowflakes start to fall, Americans know the car care drill – winter tires, blizzard emergency kits, and battery checkups are on every driver’s to-do list. But when the snow melts away, and spring comes to the Great White North, it’s not enough to rely on last winter’s car prep. Make sure your vehicle is road-ready after the winter thaw – follow these seven spring car maintenance tips to ensure your beloved ride is fit for the season. 1. Switch out those winter tires When it comes to spring car maintenance, first thing’s first – switch out your winter tires […] - [Top Travel Insurance Tips For 2022](https://woodhomeinsurance.com/travel-insurance-tips/):   A solid travel insurance plan is a smart way to protect the investment you make in a trip in case the unexpected happens. As the pandemic continues to show us, the unexpected is always a possibility. If going on a great vacation is one of your goals for 2022, here are top tips for finding the best travel insurance policy Match Coverage to Your Journey and Destination Your vacation destination and itinerary play a significant role in determining how much coverage you might need. Let’s say you’re booking an overseas excursion with connecting flights that include multiple sightseeing tours, […] - [HOW TO SAVE MONEY ON GAS : 10 SIMPLE TIPS!](https://woodhomeinsurance.com/how-to-save-money-on-gas/):   Filling up the gas tank can be a thoroughly miserable experience as you watch the counter flip past $40, then $50, and keep on going. But you can save money on gas based on where you fill up, how you pay when you visit the gas station, how you drive, and even the condition of your car. We’ve compiled 10 smart tips to help you spend less on fuel. How to Save on Gas at the Pump The biggest savings will be evident in the price you pay at the gas station. So it’s worth shopping around and employing […] - [Proposed Law Would End Health Insurance 'Birthday Rule"](https://woodhomeinsurance.com/proposed-law-would-end-health-insurance/): When Kayla Kjelshus gave birth to her first child, the infant spent seven days in the neonatal intensive care unit, known as the NICU. This stressful medical experience was followed by an equally stressful financial one. Because of an obscure health insurance policy called the “birthday rule,” Kjelshus and her husband, Mikkel, were hit with an unexpected charge of more than $200,000 for the NICU stay. Now, seven months after KHN and NPR published a story about the Kjelshus family’s experience, new parents may be spared this kind of financial uncertainty if lawmakers pass a bill that would give parents […] - [The FDA's list of dangerous hand sanitizers](https://woodhomeinsurance.com/fdas-list-of-dangerous-hand-sanitizers/):   The US Food and Drug Administration has expanded its warning about hand sanitizers to avoid, with the list now topping 100. (CNN)The US Food and Drug Administration has expanded its warning about hand sanitizers to avoid, with the list now topping 100. The agency first warned consumers in June about hand sanitizers containing methanol, which can be toxic when absorbed through the skin and potentially deadly if ingested. Since then, several such products have been recalled by manufacturers and pulled from store shelves. Now, the FDA is also warning about hand sanitizers containing insufficient levels of alcohol. FDA expands […] - [5 Ways to Decrease Your Auto Insurance Premium During COVID-19](https://woodhomeinsurance.com/decrease-your-auto-insurance-premium/):   There are some age-old things we can do to lower our auto insurance premiums, pandemic or not. Here is a helpful list. 1: Examine Your Driving Habits If you are driving fewer miles than usual, that might have an impact on your auto premium. Lajdziak says if you are still working from home, it’s worth looking at how your vehicle usage has declined. “Consumers should pay close attention to their driving habits if that has significantly changed, and if they expect that change to remain for the long term,” he said. “That may mean significantly fewer miles than before, […] - [Top 10 Cooling Tips To Beat The Heat And Save On Energy Bills](https://woodhomeinsurance.com/top-10-cooling-tips-to-beat-the-heat-and-save-on-energy-bills/): Summer is here, which means larger energy bills from keeping your home cool. With a few small changes to your home – and your habits – you can keep cool while keeping a lid on your energy bills. “You may only need these tips a few weeks of the year, but when you need them you’ll really need them,” says CHOICE’s cooling expert Denis Gallagher. CHANGE YOUR HOME If you’re building a house, there are ways to make a new home energy efficient, but even for existing homes, there are a few hacks to keep cool in summer. Many of […] - [LIFE INSURANCE IS AVAILABLE WITHOUT A MEDICAL TEST*](https://woodhomeinsurance.com/life-insurance-is-available-without-a-medical-test/): Process *The underwriting is done by the insurance company via a telephone personal history interview. (TI/PHI) and a prescription motor vehicle record Other data source check which you authorize them to review. The requirements to qualify: Age 60 and under in good health may receive up to $1 million face amount. Please call Woodhome Insurance at: 410-580-2800 and have the following details ready: (Receive a quote from top carriers that offer accelerated / no-exam underwriting) Name DOB Height and Weight Any medical conditions All medication with dosage Depending on your health, you can potentially qualify for the carrier’s best risk […] - [How to Buy a House During Quarantine — With the Help of Online Appraisals, eClosings, and More...](https://woodhomeinsurance.com/how-to-buy-a-house-during-quarantine-with-the-help-of-online-appraisals-eclosings-and-more/):   By Daniel Bortz Trying to buy a home? It’s not easy but there are ways to get the deal done. Although the coronavirus outbreak has ground many industries to a halt and forced people across the country to shelter in place, Americans Home Buyers are still looking forhomes. For the week ended March 27 – even as large swaths of the U.S. essentially shut down for business – the number of mortgage applications for home purchases was still about three-fourths what it was for the same period in 2019. “We are seeing some cases where real estate transactions are […] - [Now Is The Time To Save On Your Commercial Insurance Premium!](https://woodhomeinsurance.com/now-is-the-time-to-save-on-your-commercial-insurance-premium/):     - [Bundling Home and Auto Insurance Saves Money and Time](https://woodhomeinsurance.com/bundling-home-and-auto-insurance-saves-money-and-time/): One of the best benefits of working with an independent agent is that we can work with many carriers that can insure both your home and auto insurance. This allows you to take advantage of multiple discounts. Of course one of the biggest and most popular savings is bundling your home and auto insurance together. All Your Policies in One Location Is the idea of having all of your insurance information in with one agent in case of an emergency appealing to you? Maybe you are refinancing your home. Maybe a bad storm blew through your location. Whatever the reason, […] - [Insurance Carrier Increase Your Rates - Here's What You Can Do?](https://woodhomeinsurance.com/insurance-carrier-increase-your-rates-heres-what-you-can-do/): Has your Maryland home and auto insurance rates increased over last year’s rates? Many residents may feel the sting of their insurance carriers’ rates going up. The truth is carriers increasing their rates, may have very little with you. If they have had a particularly bad claims year due to weather-related events, they may choose to increase their rates to recoup their losses. So, what can you do to lessen the financial blow? Well, if you aren’t already with an independent agent like Woodhome Insurance , now may be the time to switch. Multiple Carriers Means Multiple Options for Maryland […] - [How Usage Based Auto Insurance Can Save You Money](https://woodhomeinsurance.com/how-usage-based-auto-insurance-can-save-you-money/):     For Maryland residents that own a car, you must also have auto insurance to comply with the rules of the state. While there isn’t much you can do to get around paying those monthly premiums; there may be ways in which you can lower the rate. Many auto insurance companies are now offering discounts to drivers who choose to use in-vehicle telecommunications devices known as telematics. What is Usage-Based Insurance? Traditionally auto insurance rates have been based on your home zip code, the car you drive, your gender, and loss history. However, UBI insurance companies utilize individual and […] - [Tired of Shopping for Home and Auto Insurance?](https://woodhomeinsurance.com/tired-of-shopping-for-home-and-auto-insurance/):   Go Independent Thanks to the internet, wi-fi, and smartphones, we can buy just about anything we want from the palm of our hands-even our home and auto insurance. It may be tempting to buy your homeowners insurance from the comforts of home in your pajamas, but before you hit submit, consider a few reasons why you should partner with an independent agent instead. Independent Agents Shop for You When you choose to work with one of those insurance characters you see on a television commercial, you have one option for coverage and pricing. An independent agent works with multiple […] - [Safety Steps During Hurricane Season](https://woodhomeinsurance.com/safety-steps-during-hurricane-season/): The Atlantic hurricane season is from June to November, with the peak season from mid-August to late October. On average there are 6 hurricanes, three of which are categorized as “major,” each year. History provides important examples of the potentially dangerous impact hurricanes can have and the need to be prepared. Prepare for the storm: Charge all phone and communications devices Unplug all electronics and move them as high as possible If recommended by utilities or emergency offices, turn off breakers to avoid power surges Weather the storm: Stay indoors during hurricanes and away from windows and glass Never operate […] - [11 Tips on a Healthy A/C](https://woodhomeinsurance.com/11-tips-to-keep-your-a-c-healthy-in-summer/):   Beach vacations, barbecues, pool parties–who doesn’t love summer? But the quickest way to rain on your fun in the sun is to have your air conditioner fail when temperatures are at their highest. Take good care of your A/C unit throughout the year with the following tips to ensure you have a nice, cool home to relax in after all your outdoor activities. 1. Schedule annual maintenance checks with a pro The best thing you can do is find a reputable HVAC company to clean and inspect your system seasonally. While you can use the rest of the tips […] - ["App"-y Trails to You: 7 Apps for Your Next Road Trip](https://woodhomeinsurance.com/apps-for-your-next-road-trip/): There are a lot of things to think about when preparing for a road trip: stocking up on snacks, gassing up the car, and charging all electronics. One thing to not forget is to download certain kinds of apps that can come in handy when you’re on the road! You might be wondering why you should download apps rather than rely on your phone’s browser to find similar information. Many apps store their information directly on your device, which will allow you to retrieve data quicker than using a website. And unlike websites, a lot of apps can provide you […] - [What to Do During a Tornado](https://woodhomeinsurance.com/what-to-do-during-a-tornado/):   Follow These Tips During A Tornado Many people assume tornadoes can only occur in “Tornado Alley” during the spring months the area between the Rocky and Appalachian Mountains is generally known to be prone to this type of extreme weather. While many midwestern U.S. states do see more twisters than other parts of the country, tornados have been reported in every state in the union. If the conditions are right, they can cause massive destruction any time of the year, in any region of the country. The following guide and tips can be used to help protect yourself and […] - [Distracted Driving: It’s Not Just Your Cellphone](https://woodhomeinsurance.com/distracted-driving/):   Car Safety Distracted Driving Distracted driving has been a matter of concern ever since the first cars rolled off the assembly line. In the early 1900s, when windshield wipers were first introduced on American cars, some worried that they would lull drivers into a daze. In the 1930s, state legislators attempted to restrict the installation of car radios on the grounds that they could distract drivers and lead to crashes. Today, with text messages, social media notifications, and talking GPS apps, it’s no surprise that mobile devices have become synonymous with distracted driving. Statistics show that roughly 10% of […] - [Key Considerations When Installing a Fence at Home](https://woodhomeinsurance.com/installing-a-fence-at-home/): A fence is an element of your home that can elevate your curb appeal, provide more privacy for your family and help secure your property. While DIY improvement shows can make fence installation seem straightforward, installing one on your own can be a serious undertaking. Before you begin digging holes in your yard, consider the number of factors that impact fence installation, including your property’s terrain, which materials you want to use and the length of the perimeter. The following information may help determine if you have the skills and equipment needed to build your own fence. Laying the Groundwork […] - [Resources: Extreme Cold Weather](https://woodhomeinsurance.com/resources-extreme-cold-weather/): Extreme cold weather can lead toserious health issues. Exposure to cold may lead to low body temperature, frostbite, hypothermia, and even death. Shoveling snow or exercising in the cold could lead to heart attacks and stroke. The Maryland Department of Health monitors extreme cold conditions from November through March. Learn more…https://bit.ly/2CAiCly Brought to you by Woodhome Insurance. Why settle for one quote when we can provide up to 15 quotes in just 15 minutes! Start Saving Today! 410-580-2800 - [Why you need an appraisal for your collectibles](https://woodhomeinsurance.com/why-you-need-an-appraisal-for-your-collectibles/): Whether you’ve inherited a few pieces of jewelry, are starting to collect sports memorabilia, or have invested in wine or fine art over the years, your collectibles are a part of your history and your story. They may even be worth a substantial amount of money.Any time you own a valuable collection, consider getting the items appraised. Here’s why:   You’ll probably want to protect them. To get insurance on valuable collectibles, you may need to know how much they’re worth. An appraisal will let the insurance company know how much they’re on the hook for if your pieces are […] - [THE BALTIMORE BOAT SHOW](https://woodhomeinsurance.com/the-baltimore-boat-show/): The Baltimore Boat Show January 24–27, 2019 Baltimore Convention Center 1 W Pratt St Baltimore, MD 21201   Enjoy four days of boating fun at Maryland’s longest-running boat show! Find the boat of your dreams and eveything to go with it at Maryland’s longest-running indoor boating sales event. The Baltimore Convention Center will be packed with more boats, more exhibits, and more family fun than ever before. See and board boats for every lifestyle, activity and budget atThe Baltimore Boat Show. TICKETS: $14.00 Adults,13 & up Save $2 on full-price admission when you purchase tickets in advance online. Offer good […] - [Toyota recalls pickups, SUVs to fix air bag, brake problems](https://woodhomeinsurance.com/toyota-recalls-pickups-suvs-to-fix-air-bag-brake-problems/): DETROIT (AP) — Toyota is recalling nearly 143,000 SUVs and pickups worldwide to fix air bag and brake problems. The first recall covers about 96,000 Toyota Land Cruisers and Lexus LX570 SUVs from 2008 through 2019. Toyota says a seat belt tension sensor can malfunction and deactivate the passenger’s front, knee and side air bags. That would increase the injury risk in a crash, therefore, the company is developing a fix and will notify owners by mid-February. The other recall affects about 47,000 Tacoma pickups from 2018 and 2019. A brake master cylinder seal can become damaged and leak brake […] - [Cold Weather Pet Safety](https://woodhomeinsurance.com/cold-weather-pet-safety/): You’re probably already aware of the risks posed by warm weather and leaving pets in hot cars, but did you know that cold weather also poses serious threats to your pets’ health? Enjoy this article “Cold Weather Pet Safety.” Here are some tips to keep your pets safe during cold weather: Winter wellness: Has your pet had his/her preventive care exam (wellness exam) yet? Cold weather may worsen some medical conditions such as arthritis. Your pet should be examined by a veterinarian at least once a year, and it’s as good a time as any to get him/her checked out […] - [End of Year Car Buying Tips](https://woodhomeinsurance.com/end-of-year-car-buying-tips/):   Does Waiting Until the End of the Year Payoff? Generally, the best time to buy a new car is, well, when you need it. However, if you have some flexibility in your buying schedule, waiting until the end of the year can help you score a deal. Once those commercials with cars wrapped in big, red bows air nonstop on TV, it’s time to take action on that new car purchase. Here are some reasons why. Model years change over What’s no longer the latest and greatest isn’t as appealing to many buyers. If you’re willing to choose a […] - [Getting a Remote Starter in Your Car](https://woodhomeinsurance.com/getting-a-remote-starter-in-your-car/): When you first start your car, how long does it take for your AC, heater or defroster to kick in? With a remote start system, you could use those few minutes to get that last cup of coffee or do another house check before sliding into your car, ready to go. What Is a Remote Starter? A remote starter is an electronic device that uses a radio frequency to start your car from a distance of between 500 and 1,000 feet. Some remote starters are very basic and only include the starting function. Others have features such as remote climate […] - [Eight Tips For Safer Winter Driving](https://woodhomeinsurance.com/eight-tips-for-safer-winter-driving/):     Winter brings all sorts of driving headaches As winter arrives snow, freezing rain and slush are all associated, which all make the roads more hazardous for driving. People who grew up in cold-weather climates with winter storm warnings are most likely well-versed in how to drive in these conditions and have their cars stocked with emergency essentials. But if you are going on a holiday, traveling to your wintry vacation home or living in a new state that may get walloped with a winter storm, then we recommend you review these eight simple steps to better handle the […] - [How to Avoid Halloween Mishaps and Mischief](https://woodhomeinsurance.com/how-to-avoid-halloween-mishaps-and-mischief/):   How to Avoid Halloween Mishaps and Mischief Naomi Mannino As Halloween approaches, your children or grandchildren might be anxious about confronting witches and werewolves while trick-or-treating. But, there are more real and consequential dangers lurking in the shadows. Luckily, you don’t need a silver bullet or a stake to ward them off. Here are some steps that you can take to avoid danger and damage to your home and property this All Hallows’ Eve, as well as a guide to what your insurance will likely cover, should something frightful occur. Here is how to avoid Halloween mishaps and and […] - [Halloween is the Scariest Day of the Year for this Financial Shock](https://woodhomeinsurance.com/halloween-is-the-scariest-day-of-the-year/):   Halloween is the Scariest Day of the Year For This Financial Shock Data show Halloween is one of the worst days of the year for homeowners and auto claims related to theft and vandalism. Deductibles and policy gaps could leave you on the hook for hundreds of dollars in damages. Homeowners should also review liability coverage related to dog bites and other injuries trick-or-treaters might sustain on your property. Halloween could be scarier for your budget than anticipated: Homeowners and auto insurance claims tend to jump during the holiday. On average, Halloween has 17 percent more home claims for […] - [FALL MAINTENANCE TIPS](https://woodhomeinsurance.com/fall-maintenance-tips/):   FALL MAINTENANCE TIPS While spring is a common time for many homeowners to spend some extra attention on upkeep and maintenance. Autumn is just as critical a season for preparing your home to withstand the potentially harsh winter weather and temperature conditions that may await you. By making maintenance part of your annual fall routine you can identify potential problems before they arise, and help prepare your home and property for what Mother Nature has to offer. The following are some home maintenance tips from our Risk Control professionals to help you prepare for the coming winter: -Have your […] - [Smart Home Halloween Hacks](https://woodhomeinsurance.com/smart-home-halloween-hacks/):   Halloween Home Creativity For many, Halloween is a fun time to be creative with extravagant costumes and spooky decorations. For those who really get into the spirit of the season, Halloween is a great time to flex your creativity muscle and show others the true way to celebrate the holiday. With smart home technology becoming a relatively regular feature in most homes, there are many ways you can utilize this technology to create a haunted and festive Halloween home. Take a look at these cool tricks on how you can utilize your smart home technology to be the buzz […] - [Protect Your High-Value Auto from Damage and Theft](https://woodhomeinsurance.com/protect-your-high-value-auto-from-damage-and-theft/): Tips to protect your high-value auto from damage and theft Apr 30, 2018 Sophisticated cars with high-tech features can be more expensive to repair since the sensors and cameras tend to be located in the bumpers, front grill area, and side mirrors – Minor accidents are most likely to damage cars in specific areas.¹ Nationwide® Private Client Risk Solutions recommends the following simple and low-cost measures to help prevent damage to your vehicle: Have your car checked regularly by an expert mechanic, ideally at the dealership where you purchased your vehicle, as they are familiar with your car model’s specific […] - [Car Vs Deer Crashes In MD Spike As Mating Season Arrives](https://woodhomeinsurance.com/car-vs-deer-crashes-in-md/): October-December is when most car vs deer crashes happen. Here are some tips to avoid a crash in Maryland as deer mating season begins. If you drive in Maryland, you know there are deer on many roads as they seek mates and extra food before winter arrives. A new study backs up these observations: Maryland is a high-risk state where the odds you’ll hit a deer while driving rank it No. 23 among the state, according to State Farm’s annual deer-vehicle collision study. That’s a small improvement from a year ago, when Maryland ranked No. 19 among all states for […] - [Do You Have Any of These 10 Home Fire Hazards Where You Live?](https://woodhomeinsurance.com/do-you-have-any-of-these-10-home-fire-hazards-where-you-live/): Fire Hazards Where You Live   Most homeowners know the drill for reducing the risk of a house fire: They keep a smoke detector on each floor and make sure they are all in good working order at least twice a year. They closely monitor cooking, candles, and wood stoves and fireplaces, and refrain from smoking indoors. They keep matches and lighters stowed away where children cannot reach them. Although all of these precautions are an excellent start for promoting fire safety at home, they don’t necessarily protect you from all of the fire hazards that could be lurking in […] - [Home Safety Tips](https://woodhomeinsurance.com/home-safety-tips/):   Sep 16, 2014 Our approach to home safety extends beyond an insurance policy. Proper coverage is an important first step – especially when it comes to theft. To reduce your risk, consider incorporating the following prevention tips into your everyday life. Home safety tips Install a monitored alarm system that provides both perimeter and interior protection, and activate it whenever possible. As a client, you may be eligible for premium discounts for installing this type of device Install deadbolt locks on exterior doors. Keep windows closed and locked while away from home. Install security bars inside the track of […] - [Summer Motorcycle Safety](https://woodhomeinsurance.com/summer-motorcycle-safety/): The reason some people are too fearful is that they are too inexperienced and they might get injured and crash. However, many seasoned riders will tell you that it’s (mostly) not you that you have to be concerned about – it’s the other motorists on the road. Here is how you can stay safe while feeling the freedom of the open road: Be Seen Since safety is the top priority of each rider, you need to be seen. Ditch the dark brown and black clothing when riding because that blends in with the road. Make sure that you wear bright […] - [Why you should choose an Independent Insurance Agent](https://woodhomeinsurance.com/choose-independent-insurance-agent/): When it comes to finding the right fit for yourinsurance needs, the task can be quite overwhelming. For example, there could be different types of coverage that you could not understand, and jotting down numbers can get quite confusing over the time spent crunching the numbers. For this reason (and many others!), you should consider seeking the advice and service of a localinsuranceagency like Woodhome Insurance to help you get the coverage you need at affordable prices. If you’re unsure what the benefits of working with a localinsuranceagency like us are, take a look at what we have to offer: […] - [What You Should Know About Renters Insurance](https://woodhomeinsurance.com/know-renters-insurance/):   What you should know about RentersInsurance Across the United States, many people are opting to rent out living spaces instead of owning them because of career flexibility, home flexibility, and other benefits. However, many of these same people are not taking advantage of renters insurance. Are you one of these people? What is RentersInsurance? When you think of renters insurance, what comes to mind? Do you feel that it might be a waste of money? Well, that’s not the case because renters insurance is definitely worth it to protect you against the unforeseen future. More specifically though, rentersinsuranceis the […] - [Understanding Auto Insurance Coverage](https://woodhomeinsurance.com/understanding-auto-insurance-coverage/):   Auto insurance is a necessity to make sure that you are taken care if you were to be in an accident. However, knowing exactly what you need and what coverage you have can be difficult to understand at times. If you’re the type of person that needs a little clarification on auto insurance, we’ve got your back! If you’ve ever needed help understanding your auto insurance coverage, we are here to help! Take a look at our helpful guide, as we break down your auto insurance coverage to fit your needs. What Is Auto Insurance? To understand what auto […] - [Top Homeowners Insurance Claims & How to Avoid Them](https://woodhomeinsurance.com/top-homeowners-insurance-claims-avoid/):   What can you do when Mother Nature unleashes its wrath on Earth – when damage is caused to your home by punishing weather in the form of hail, wind, rain, and ice? How can you prevent other unforeseen circumstances like fire, leaky pipes, and theft? All homeowners should follow these trends to prepare for the unexpected – Protect Your Home & Avoid These Top Homeowners Insurance Claims Yes, you’ve bought the right homeowners insurance to protect your home from the unforeseen! But homeowners insurance may not pay if a claim could have been avoided with proper maintenance. Plus even […] ## Pages - [Sitemap of Wood Home Insurance](https://woodhomeinsurance.com/sitemap-of-wood-home-insurance/) - [Our Staff - testing page](https://woodhomeinsurance.com/our-staff-copy/): Richard Gottlieb Richard Gottlieb started Woodhome Insurance in 2000 and has been an Insurance Agent for the past 22 years. Richard has received certifications in Life, Health, P & C, andSecurities. Woodhome Insurance specializes in Auto Insurance, Business Insurance, Homeowners Insurance, Health Insurance and Life Insurance. Richard attended Ithaca College and graduated in1989 while majoring in Business Administration. During his spare time Richard enjoys playing golf, basketball, working out, Poker and watching his kids participate in sporting events. Richard is married to Laurie Gottlieb and they have 2 children (Brooke and Alexandra). The Gottlieb’s reside in Reisterstown, Maryland. Get Your […] - [Carrier](https://woodhomeinsurance.com/carrier/): Get Your Home Insurance Quote Today! Quick Quote ACE Insurance (800) 945-7461 AIG Private Client Insurance (888) 760-9195 Allied Insurance (800) 282-1446 Allstate (800) 255-7828 Bristol West (800) 274-7865 Chesepeake Insurance (888) 410-1400 Chubb Insurance (800) 252-4670 Donegal Insurance Group (800) 877-9006 Encompass Insurance (800) 588-7400 Frederick Mutual Insurance (800) 544-8737 Hanover Insurance Group (800) 628-0250 The Hartford Insurance (800) 243-5860 Kemper Insurance (888) 252-2799 Liberty Mutual Insurance (800) 225-2467 MAIF Insurance (800) 492-7120 x8225 Millers Mutual (800) 745-4555 Mutual Benefit (800) 290-6361 National General (800) 290-6361 Nationwide Private Client (855) 473-6410 The Philadelphia Contribution Insurance (800) 269-1409 Philadelphia Insurance (888) […] - [Privacy Policy](https://woodhomeinsurance.com/privacy-policy/): Privacy Policy Read Privacy Policy Important information for your use of our website. This Privacy Policy explains how your personal information is collected, used, and shared when you visit: woodhomeinsurancegroup.com (the “Site”). Personal Information We CollectWhen you visit the Site, we automatically gather certain details about your device, such as your web browser, IP address, time zone, and cookies installed on your device. Additionally, as you browse the Site, we collect information about: The specific pages or products you view. The websites or search terms that directed you to the Site. How you interact with the Site. This automatically-collected information […] - [Quote](https://woodhomeinsurance.com/get-quote/) - [Claims](https://woodhomeinsurance.com/claims-agencies/): Get Your Home Insurance Quote Today! Quick Quote Allstate (800) 255-7828 AIG Private Client (888) 760-9195 ASI (800) 255-7828 Bristol West (800) 274-7865 Chesepeake Insurance (888) 410-1400 Chubb Insurance (800) 252-4670 Cincinnati Insurance (877) 242-2544 Donegal Insurance Group (800) 877-9006 Encompass Insurance (800) 588-7400 fOREMOST iNSURANCE (800) 527-3907 GEICO Insurance (800) 841-3000 Hanover Insurance Group (800) 628-0250 Liberty Mutual Insurance (800) 225-2467 MAIF Insurance (800) 492-7120 x8225 Millers Mutual (800) 745-4555 Mutual Benefit (800) 290-6361 National General (800) 290-6361 Nationwide Private Client (855) 473-6410 Nationwide Regular Client (866) 854-4140 Philadelphia Insurance (888) 627-1752 Progressive Insurance (800) PROGRESSIVE Safeco Insurance (800) […] - [Recreational Insurance](https://woodhomeinsurance.com/recreational-insurance/): Experiential Education Service Providers Insurance Program An insurance plan designed specifically for qualifying members of the Association of Challenge Course Technology (ACCT) and Professional Ropes Course Association (PRCA) who are involved in the construction, facilitation, inspection, operation of challenge courses, and zipline/canopy tours. Coverage is provided by an insurance company licensed in all 50 states. Zipline And Canopy Application Climbing Gyms Application Comprehensive General Liability Coverage Coverage is provided by a highly rated Insurance Company for qualifying Associations for Challenge Course Technology (A.C.C.T.) or Professional Ropes Course Association (P.R.C.A). Comprehensive General Liability protects the named insured and employees for bodily injury […] - [Commercial Property Insurance](https://woodhomeinsurance.com/commercial-property-insurance/): Most CommercIal buildings make up the largest percentage of your net worth. Therefore, insuring them correctly is extremely important. Property Insurance is one of our largest niche products. We currently write the following policies: Apartment Buildings Single rental dwellings Multi unit buildings Office Buildings Flex buildings – Office Warehouse Industrial Buildings Strip centers Vacant Buildings Builders Risk With a custom Property Insurance policy fromWoodhome Insurance, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps […] - [Business Insurance](https://woodhomeinsurance.com/business-insurance/): Did you know you could unlock significant savings on your Business insurance? Quick Quote Safeguard Your Home, Protect Your Loved Ones. Business Insurance: The Basics You’ve invested the three E’s in your business: your education expertise sweat equity. The company that you built and nurtured provides a livelihood to yourself, your family and your employees Everyone depends on you, so be sure to do right by them. That means letting us do the right thing by you. Whether you are just starting out in business or have been around for several years, Woodhome Insurance Group is here to serve your […] - [Homeowners Insurance](https://woodhomeinsurance.com/home-insurance/): Discover How to Achieve Major Savings on Your Homeowners Insurance! Quick Quote Home insurance safeguards both your property and your loved ones. Purchasing homeowner’s insurance can be a daunting task. At Woodhome Insurance we understand this. If you have a Mortgage on your house, all lenders require you to always carry a Homeowner policy. If you are faced with the time consuming task of shopping for homeowner’s insurance or renters/condo, don’t worry!  Woodhome Insurance is an independent insurance agency that can shop multiple carriers to get you the best home, renters or condo insurance policy available! This includes policies like: Dwelling coverage (The […] - [Auto Insurance](https://woodhomeinsurance.com/auto-insurance/): Did you know you could unlock significant savings on your Auto insurance? Quick Quote Auto Insurance safeguards both your property and your loved ones. Auto Insurance Safeguards You In The Following Ways: Auto insurance is mandatory across the country and with good reason. An auto insurance policy provides property, liability and medical coverage to people who are injured or whose property is damaged. It also protects you from potentially catastrophic financial loss if you are involved in an auto accident. Call the Woodhome Insurance at: (410) 580-2800 before you put yourself at risk. Bodily injury liability, which protects the driver, policyholder and […] - [Blog](https://woodhomeinsurance.com/blog/) - [Contact us](https://woodhomeinsurance.com/contact-us/): Contact us to discuss your insurance needs and questions. Quick Quote Have questions about your insurance? Contact Woodhome Insurance Group to get started. Contact Woodhome Insurance Group Visit US66 Painters Mill Road Suite 110 Owings Mills, MD 21117 Office Hours Monday – Friday: 9:00 am – 5:00 pmSaturday: 9:00 am – Noon Contact Information Call (410)-580-2800 Toll Free (800) 391-9261 Fax (410) 580-9516 Get Directions Woodhome Group is committed to website accessibility so every user can have an equal experience and access using our website, including users with disabilities. If you need help using our website or have questions, contact […] - [Our Staff](https://woodhomeinsurance.com/our-staff/): Richard Gottlieb Richard Gottlieb started Woodhome Insurance in 2000 and has been an Insurance Agent for the past 22 years. Richard has received certifications in Life, Health, P & C, andSecurities. Woodhome Insurance specializes in Auto Insurance, Business Insurance, Homeowners Insurance, Health Insurance and Life Insurance. Richard attended Ithaca College and graduated in1989 while majoring in Business Administration. During his spare time Richard enjoys playing golf, basketball, working out, Poker and watching his kids participate in sporting events. Richard is married to Laurie Gottlieb and they have 2 children (Brooke and Alexandra). The Gottlieb’s reside in Reisterstown, Maryland. Get Your […] - [Home](https://woodhomeinsurance.com/): Insurance You Can Trust, Protection You Deserve. Speak directly with a Woodhome Representative Call: (410) 580-2800 At Woodhome Insurance, we focus on providing personalized solutions and exceptional service to protect what matters most to you. Auto Homeowners Business About Woodhome Insurance Welcome to Woodhome Insurance, your trusted partner in protecting what matters most. Located in Owings Mills, Maryland, we are a full-service, independent insurance agency with over 29 years of industry expertise. Our dedication to personalized service and comprehensive coverage solutions has made us one of the top-rated insurance agencies in Maryland. At Woodhome Insurance, we provide tailored insurance solutions to […] - [Insurance](https://woodhomeinsurance.com/insurance/): We are Always Here to Help! Experienced We have over 20 years experience providing expert insurance advice. Trusted Our enthusiastic team of professionals are always here to help. Professional Our best insurance specialists guarantee you will be protected. 24/7 Available Our professional and knowledgable staff is always at your service. Get Your Home Insurance Quote Today! Sherry Fyffe Maegan Jackson Lynn Thomas Shara Freeman Testimonials from Happy Clients I’ve been a Woodhome Insurance client for many years. Their unique quoting rating system saved me hundreds of dollars on my policy. I would highly recommend them to anyone. Karen H. Owings […] [comment]: # (Generated by Hostinger Tools Plugin)