Personal Insurance Blog

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The Mid-Atlantic Summer Guide: From Chesapeake Boating to Short-Term Rental Risks

by |Jun 01, 2026 | Blog, Personal Insurance

Summer in Maryland moves fast. The boat comes out of storage, the Bay Bridge fills up with weekend traffic, and somewhere between Memorial Day and Labor Day, a lot of Marylanders quietly turn their homes, vacation properties, or watercraft into income-generating assets on Airbnb, VRBO, or peer-to-peer rental platforms. Most of them assume their existing […]

Maryland Flood Awareness Month: The Difference Between a “Drip” and a “Flood”

by |Apr 01, 2026 | Blog, Personal Insurance

As a homeowner in Maryland, water damage is one of the most stressful and costly situations you can face. What makes it even more frustrating is finding out after the fact that the type of water damage you experienced isn't covered by your current policy. April is Maryland Flood Awareness Month, and it's a good […]

The Gerety Way: Why a Local, Family-Owned Agency Still Matters

by |Mar 11, 2026 | Blog, Personal Insurance

There are a lot of insurance agencies to choose from today. Some are owned by national carriers. Some are backed by private equity firms. Others operate primarily through call centers and online platforms. On the surface, they may all look similar. But ownership, structure, and culture shape how an agency actually serves you, especially when […]

The "Hard Market" Survival Guide: Why Rates Changed and How We Find Savings

by |Feb 03, 2026 | Blog, Personal Insurance

If your insurance rates have increased recently—and you’re struggling to understand why—you’re not alone. Many Maryland drivers and homeowners are opening renewal notices with higher premiums, fewer discounts, and more questions than answers. What’s happening isn’t personal, and it isn’t the result of a single decision or mistake. The insurance market itself has changed. Carriers […]

Young woman with glasses studying at a laptop

What is an Insurance Carrier and How to Choose the Right One

by |Aug 01, 2025 | Blog, Personal Insurance

When it comes to buying insurance, most people focus on the policy itself, what’s covered, how much it costs, and what the deductible is. But one of the most important parts of your coverage often gets overlooked: the insurance carrier behind the policy. Whether you’re shopping for home, auto, or business insurance, it’s essential to […]

Understanding Liability: Whose Insurance Pays in a Multi-Car Accident?

by |Jul 01, 2025 | Blog, Personal Insurance

If you're involved in a crash with three or more vehicles, one of the first questions you'll ask is: whose auto insurance pays in a multi-car accident? Unfortunately, the answer isn’t always simple. With multiple drivers, conflicting stories, and different state laws in play, figuring out who’s responsible and who covers the damages can get […]

Rider in black helmet on a cruiser speeding down a sunlit road.

How to Choose the Best Motorcycle Insurance

by |Jun 02, 2025 | Blog, Personal Insurance

When it comes to protecting your bike, the best motorcycle insurance strikes the right balance between cost and coverage. In this guide, we’ll compare different coverage types, explain what “full coverage” actually includes, and share smart ways to save without cutting corners. Whether you're a new rider or a seasoned motorcyclist, you’ll walk away with […]

Person riding an electric bike on a sunlit country road

Electric Bike Insurance: Everything You Need to Know to Protect Your E-Bike

by |Apr 02, 2025 | Blog, Personal Insurance

Electric bike insurance is more important than ever as e-bikes grow in popularity, changing the way people commute, exercise, and explore. By 2030, the U.S. e-bike market is projected to grow by 15.6%, showing just how many riders are embracing this eco-friendly alternative to driving. With their rising popularity, e-bikes have become a significant investment. […]

Residential roof with overlay showing $7,500 depreciation.

Roof Depreciation & Home Insurance: What Every Homeowner Must Know

by |Mar 24, 2025 | Blog, Personal Insurance

As a homeowner in Maryland, you need a strong and reliable roof. It’s your first defense against severe weather. However, your roof naturally depreciates over time due to weather, age, and wear and tear. These factors can significantly impact your homeowner's insurance, including your premiums and claims. With more than 40% of property insurance claims […]

Smiling young woman in yellow car holding up keys

Insurance for New Drivers: How to Secure Affordable Coverage

by |Feb 19, 2025 | Blog, Personal Insurance

If you've recently gotten your driver's license or are helping your teen navigate the world of auto insurance, you've probably experienced that jaw-dropping moment of seeing your first quote. It's no secret that new drivers in Maryland face steep premiums, but don't let those initial numbers discourage you. Whether you're a newly licensed driver or […]

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Personal Insurance Blog

What Do You Want to Insure?

The Mid-Atlantic Summer Guide: From Chesapeake Boating to Short-Term Rental Risks

Maryland Flood Awareness Month: The Difference Between a “Drip” and a “Flood”

The Gerety Way: Why a Local, Family-Owned Agency Still Matters

The "Hard Market" Survival Guide: Why Rates Changed and How We Find Savings

What is an Insurance Carrier and How to Choose the Right One

Understanding Liability: Whose Insurance Pays in a Multi-Car Accident?

How to Choose the Best Motorcycle Insurance

Electric Bike Insurance: Everything You Need to Know to Protect Your E-Bike

Roof Depreciation & Home Insurance: What Every Homeowner Must Know

Insurance for New Drivers: How to Secure Affordable Coverage

About

Personal

Commercial

Customer Service

Personal Insurance Blog

What Do You Want to Insure?​

The Mid-Atlantic Summer Guide: From Chesapeake Boating to Short-Term Rental Risks

Maryland Flood Awareness Month: The Difference Between a “Drip” and a “Flood”

The Gerety Way: Why a Local, Family-Owned Agency Still Matters

The "Hard Market" Survival Guide: Why Rates Changed and How We Find Savings

What is an Insurance Carrier and How to Choose the Right One

Understanding Liability: Whose Insurance Pays in a Multi-Car Accident?

How to Choose the Best Motorcycle Insurance

Electric Bike Insurance: Everything You Need to Know to Protect Your E-Bike

Roof Depreciation & Home Insurance: What Every Homeowner Must Know

Insurance for New Drivers: How to Secure Affordable Coverage

About

Personal

Commercial

Customer Service

What Do You Want to Insure?