Having extended family living under your roof — whether it’s just for a visit or longer term — can bring the joys of reconnection, support and togetherness. But a full house is not without its challenges. There’s the potential for additional fire risk due to the habits, routines and electronic devices of those new to…
With energy costs on the rise, you may be wondering how you can reduce or control your winter utility bills. You may even be tempted to simply turn down the thermostat, but there are several ways you can lower your energy bills while staying warm this winter: Use a programmable thermostat to automatically lower your…
The Maryland Condominium Act and Maryland Homeowners Association Act require associations to undertake a reserve study at least once every five years. Delaware and Virginia already required reserve studies, but all 50 states are developing similar requirements as a response to the tragic collapse of the Champlain Tower South condominium in Surfside, Florida. Maryland Reserve…
Winter weather often leads to power outages, but improper use of emergency generators and other heating devices can lead to illness and carbon monoxide (CO) poisoning in your home. Keep your family warm – and safe – by installing a CO detector and taking a few vital precautions. Emergency Generator Safety Do not run gasoline engines…
Fall signals a natural time of transition. Fall is also a great time to get maintenance tasks done if you live in an area where cooler weather is right around the corner. Care for your home this upcoming season by maintaining your home with the following tips: Clean gutters and downspouts. Clear leaves and debris…
As fall and winter bring colder temperatures, the warm interior of your home can provide shelter, breeding spaces and access to nourishment for household pests. Any pest invasion—flies, rodents, squirrels, wasps, ants and various bugs—can cause property damage as well as health and safety hazards for any homeowner. Keep the following tips in mind when…
When it comes to your home, making sure you’re adequately insured is of the utmost importance. Despite this, many homeowners are unaware of the “80% rule” for home insurance and, as a result, find themselves underinsured when trying to replace their personal property after a loss. Understanding the 80% rule—and following it—can help you protect…
To save money and improve your home’s energy efficiency, you’ll want to start with its outer shell – the walls, windows and doors – then move to the inside spaces. Insulate the walls and attic. Old homes with big attics are notorious for leaking air due to inconsistent or thin insulation. If you hire a…
Hot summer days and cool swimming pools are a great combination to enjoy some summer fun. Many homeowners add backyard pools as a way to entertain and beat the heat. However, adding a pool to your property also increases homeowner responsibilities. Keep these tips in mind if you decide to add a pool to your…
The Federal Emergency Management Agency (FEMA) announced that it will be updating the National Flood Insurance Program (NFIP) pricing methodology through a new risk rating system. This system—which is being referred to as “Risk Rating 2.0”—will leverage additional information and variables to help communicate policyholders’ flood risks more clearly, as well as deliver more accurate…
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You are about the leave our site and submit the information to pay your bill. A licensed agent from our team will need to process your payment to make it official – we cannot bind coverage via web request. Let us get to work for you. Want to talk? Call us. 410-213-5600
Client Support Team
SCD Intermediaries
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