The Complexities of Flood Zones

Ashley Insurance provides Easton, MD, residents and those in the surrounding area with excellent insurance options, including flood protection. Are you at risk if you live in this area? Let’s find out by looking deeply at the complex nature of flood zones.

Flood Zones Dictate Your Risk 

Every area of the country, including Easton, is classed in various types of flood zones. Most regions are safe, meaning you probably don’t need flood insurance. However, your risk of floods may vary and cause a higher danger of floods in some regions.

Risk Influences Insurance 

Even in areas of low risk, you might need flood insurance to keep yourself safe. After all, there’s always the danger of floods occurring without expectation, such as if a dam bursts. Your insurance needs and costs will vary depending on this risk, so keep yourself updated.

Insurance Keeps You Safe

Flood insurance provides a variety of protection types that can minimize your danger and keep you safe. As a result, it’s critical to understand your coverage and to take steps to choose based on your risk. Just a few ways that flood insurance can help you include how it:

  • Covers all the repairs to damaged areas of your home, such as impacted foundations and wells
  • Pays to replace items that you lost during the flood, including electronic devices 
  • It helps you with temporary relocation when your family needs to leave your home 

How to Discover Your Insurance Needs

If you’re curious about your flood insurance needs and unsure if you’re at risk, contact us today at Ashley Insurance to learn more. Easton, MD, has areas where floods are a real risk, so working with us can help you gauge your danger and ensure you choose a strong policy.

Winter Driving Safety: Navigating Cold Weather

Winter Driving Tips

Winter brings with it a set of challenges, especially when it comes to hitting the road. At Ashley Insurance, we understand the importance of Winter driving safety, ensuring you stay safe and secure during cold weather journeys.

Driving on Icy Roads and in Snow

Navigating icy roads and snowy conditions demands extra caution. Slow down, increase your following distance, and avoid sudden movements. Gentle turns and gradual stops can help you maintain control. Ensure your headlights are on to improve visibility, and be mindful of black ice, a common but nearly invisible hazard.

Preparing Your Car for the Cold

1. Tire Check:

Ensure your tires have suitable tread depth for better traction. Consider switching to winter tires designed for cold conditions.

2. Battery Health:

Cold weather can be rough on your vehicle’s battery. Check its health and replace it if needed to avoid unexpected breakdowns.

3. Fluid Levels:

Ensure your car’s fluids, including oil, windshield wiper fluid, and antifreeze, are at the recommended levels for optimal performance in the cold.

4. Wipers and Lights:

Replace worn-out wiper blades and ensure all lights are functional. Proper visibility is crucial during winter driving.

Driving in Sleet: A Unique Challenge

Sleet can be particularly tricky to navigate. Reduce your speed and avoid sudden movements. Use extra caution when braking, as sleet can create slippery conditions. If possible, delay travel until road crews have treated the surfaces.

Driving on Icy Roads

Insurance for Winter Peace of Mind

No matter how prepared you are, winter driving always carries some risk. Having comprehensive auto insurance from Ashley Insurance ensures you have the protection you need. In the event of an accident or unforeseen circumstance, you can drive with confidence knowing you’re covered.