Dream big but protect what you have with Renter’s Insurance.
Protect your personal property when renting. Whether you ‘re moving into an apartment or house, give us a call at 410-571-1771 because you don’t want to forget renter’s insurance. It’s a good decision and the cost is low. Particularly when you consider what you might lose.
Moving into your own apartment or rental house for the first time? There’s a lot to keep straight: utility bills, mail delivery, internet access. The process can be overwhelming, but don’t forget you’ll need property insurance. As you unpack your possessions and set up your new home take an inventory of what you’ve moved into your new residence. Items such as an expensive camera. laptop computer, jewelry, ski equipment, clothing, furniture are items of value that should be insured.
Renter’s Insurance covers your belongings (clothing, books, CDs, furniture – everything) not only in your apartment but in your locked car and anywhere else you take them. It protects your things against fire and other occurrences beyond your control—including vandalism and theft.
If you thought about it at all, you may have thought insurance was the responsibility of the landlord. It’s not. The landlord’s policy covers the building only. It’s a renter’s policy that will help pay for the replacement of all your personal items.
It will also pay for an attorney and protect you in case someone gets injured while in your apartment and/or you get sued if damage caused by you impacts neighboring apartments.
Get a Free Quote
Crilly Insurance with three convenient locations in Annapolis, Catonsville, and Edgewater can help you determine the amount of coverage you need and provide you with a free renter’s insurance quote. Renter’s insurance will protect both your belongings and your liability exposure.. We’ll help you sort it all out. As with auto insurance, we’re big on discounts. We’ll make sure you take advantage of any discounts that are available.
Ashley Harris has been working for Peter B. Crilly & Associates since 2016
Mid-February is a time of transition between winter and spring. One day it’s snow flurries and the next day it’s budding crocuses. The youngest member of the Crilly Agency Team, Ashley Harris can easily pivot from one task to the next as she helps clients with their home and auto insurance coverage. A Customer Service Representative with the Crilly Agency since 2016, Ashley holds the CLCS ( Commercial Lines Coverage Specialist) designation and is licensed as a property and casualty agent. She is based at our Riva Road, Annapolis office.
Ashley prides herself in keeping up with all the technological innovations in communications and works with customers to find the best ways to keep them up to date on their insurance, finding the very best insurance coverage to suit her client’s needs.
At the Crilly Insurance Agency, we are independent, which means we offer our customers a choice when it comes to selecting which carrier provides the best policy and pricing for their needs. A captive agent, who works for one company, has limited products. One day, those products may not be right for you. An independent agent works with a variety of companies and thus has access to more markets. They will be able to get you coverage at the lowest prices and can also find ways to cover potential gaps in insurance to work with policies you already have.
Ashley is highly knowledgeable on the latest solutions and works hard to learn about new insurance carriers and products. Her specialties include homeowners, renter’s, condo, and auto insurance. An accomplished baker, Ashley knows from experience that skill and care are key to creating something good, including relationships. She prides herself in taking care of her clients. Ashley lives in Bowie and enjoys spending time with her young son Ezra.
If you’d like to contact Ashley Harris by email she can be reached at [email protected]or call our Annapolis office at 2521 Riva Road at 410-571-1771.
Sharon “Shellie” Souders hard at work at our Catonsville office.
Now that we’re half-way through January, it is time to highlight the work of another Associate Agent at the Crilly Insurance Agency. Each of our licensed agents is instrumental in making our local offices in Annapolis and Catonsville Maryland successful. Personal service is what sets our agency apart.
This week we are putting the spotlight on Sharon “Shellie” Souders. Shellie runs our Catonsville office and has over 24 years of insurance experience. She prides herself in providing excellent customer service. A specialist in personal lines; she can easily answer most questions that come her way. Shellie is happy to assist clients with questions concerning billing and coverage. “Making sure that their policy meets their needs,” is Shellie’s chief concern when working with customers.
At the Crilly Insurance Agency, we are independent, which means we offer our customers a choice when it comes to selecting which carrier provides the best policy and pricing for their needs. A captive agent, who works for one company, has limited products. One day, those products may not be right for you. An independent agent works with a variety of companies and thus has access to more markets. They will be able to get you coverage at the lowest prices and can also find ways to cover potential gaps in insurance to work with policies you already have.
Shellie works with customers to find the best ways to obtain comprehensive coverage at the best possible rate. Her area of expertise includes all kinds of property insurance including home, auto, commercial, tenant, motorcycle, and boat insurance.
A Baltimore county resident, she is the mother of three sons and a grandmother. In her spare time, Shelly enjoys crafting, camping, fishing, baking and socializing with her friends.. If you’d like to contact Sharon “Shellie” Souders by email she can be reached at [email protected] or call our Catonsville office at 922 Frederick Road at 410-788-0112.
Hurricane Season is here. Time to prepare. Several storms have already impacted the United States as weather patterns grow more unpredictable. Hurricane Ida, arriving in the U.S. August 26th-September 4th, brought damaging wind, tornados and heavy rain to Virginia, Maryland, and Washington D.C.. Roads flooded, trees fell, millions of people lost power and dozens of Americans lost their lives in Connecticut, Maryland, New Jersey, New York, Pennsylvania and Virginia, after the storm brought unprecedented rainfall to some areas.
Insurance Coverage for Storm Damage
Your homeowner’s policy will cover the cost of temporary repairs for hurricane damages as well as reasonable additional living expenses but it doesn’t cover flood damage. To help you understand what is and what is not covered; review your homeowner’s policy and if you have further questions, give our office at call at 410-571-1771. You may want to consider purchasing a Flood Insurance Policy.
Electronic Devices Can Help You Stay Connected
Smart practices during “storm season” include always making sure your car’s gas tank is full and your cellphone and your laptop fully charged in advance of the storm’s arrival. To use less energy from your battery, close apps such as Bluetooth and turn down screen brightness. If you have an external battery, charge that as well. Once you are no longer able to use wall plugs due to a power outage, you can still plug your phone into the external battery or your laptop via USB. You can also plug into your car when the engine is running to charge up your phone. Important: only run your car engine outside, never in an enclosed space such as a garage. Text whenever you can instead of calling, because texting will be less of a battery
Charge all your electrical devices in advance of an arriving storm.
Prepare For Storm Season Now
This week with no hurricanes forecast to arrive in the Virginia, Maryland, Washington D.C. region, you have the opportunity to prepare in advance for the rest of hurricane season that extends through November. Insurance can help provide the money to replace things that are damaged and lost, but no amount of money can make up for the loss of life, missing family photos, or an injured pet. So what are you waiting for? Start getting organized.
Trim Trees
Get ready for storm season by looking around the outside of your home at your trees. Do you see any weak branches or trees that might fall? Trim back shrubbery. Make certain dangerous limbs are removed in advance of a storm.
Clean Gutters
Keep your gutters and downspouts clear of twigs, leaves and debris. Standing water can damage your gutters and roof. An unmanaged overflow may create puddles that could damage your foundation. It is very important that any water flowing downwards flows away from you house so secure all your downspouts to point away from the building. The grading around your home should be designed with the goal of keeping water away from the building’s foundation. If it is not currently performing that task correctly, now is the time to get the problem fixed.
Seal Outside Walls
Seal outside wall openings that provide an opportunity for water to get into your home. Vents, electrical outlets, garden hose bibs, and any locations where pipes or cables go into the wall should be sealed with high quality urethane-based caulk to prevent water penetration.
Check Garage Doors
Particularly if your garage is attached to your house, replace old garage doors and tracks with a door that is approved for both wind pressure and impact protection. Wind coming through an opening this large can cause severe damage to the rest of your home, particularly the roof.
Make a List
While many of us are already prepared to shelter in place because we’ve had to stay home due to the onset of the Coronavirus Pandemic; it’s a good idea to review what items you may need I case a hurricane arrives. You will want to have:
1) a three day supply of drinking water
2) A supply of food you do not have to refrigerate or cook
3) First aid supplies
4) A refill prescription drugs you need
3) Flashlights, candles, dry matches and extra batteries.
Listen to the latest weather news on whether you need to evacuate.
Be Ready to Evacuate
If you live in a place that might have to be evacuated, plan your route in advance. Know where you are driving to and make a plan for your pets. Make certain you take important papers and medications with you, in addition to food and water. Would you be ready to evacuate if you only had ten minutes? Get organized in advance.
