How to Stay on an Even Keel with Boat/Watercraft Insurance

When you take your boat or watercraft out for the day, you want to focus on enjoying the weather and partaking in your favorite aquatic pastimes. You don’t want to worry about how you would handle an accident if you don’t have adequate coverage. At Ashley Insurance in Easton, MD, our agents are ready to provide you with comprehensive coverage for everything that floats, not just your boat.

What Is Boat/Watercraft Insurance?

Watercraft insurance is crucial in protecting your boat and personal watercraft. It shields you from considerable repair or replacement costs. If you own a vessel that travels up to 25 mph on the water, we highly recommend insurance coverage, which may even be a requirement from your lender.

Is Boat Insurance Mandated in Maryland?

No, boat insurance is not legally necessary to operate a water vessel in Maryland. Nevertheless, it’s wise to protect your investment with the proper coverage. Without it, you could end up shouldering the full cost of any damage to your boat due to an accident or other unfortunate event. We also recommend insuring your trailer to help cover unexpected charges such as emergency services.

What Do Boat Insurance Policies Cover?

Boat and watercraft insurance handles repair or replacement costs for vessels, equipment, and trailers. As a boat owner, you can confidently navigate your vessel, knowing you’re insured for personal liability and medical payments, regardless of who caused the accident. Typically, this insurance covers everyone in your household, but reviewing your policy with a licensed agent is a good idea.

Find Out More About Boat Insurance in Easton, MD

Maintain your weekend memories and peace of mind with safe boating practices and the right boat/watercraft insurance. Contact the team at Ashley Insurance in Easton, MD to discuss all your boating insurance needs.

If You Live Far Away From a Body of Water do You Still Need Flood Insurance?

Understanding the flooding risks in your area is crucial for protecting your property. Even if you don’t live in an area where flooding occurs typically, that doesn’t mean you’re safe. If you’re interested in flood insurance, the experts at Ashley Insurance are ready to provide the residents of Easton, MD with the support and guidance they need to choose the best policy. 

Flood Insurance Protection

Some thought should always go into whether you need flood insurance. Settling a considerable distance from a waterway doesn’t make you any less vulnerable to flood threats. Whether residing near rivers, lakes, oceans, or anywhere else, there is a tendency for downpours or inadequate drainage systems, causing flooding in both inland and coastal areas. Lastly, changing climate patterns have led to more severe weather events on average, further contributing to the increase in flooding risk, which is no longer unique to high-risk areas.

The goal is to research the area’s flooding susceptibility and examine the threat posed to the specific location in question. A conversation with an expert about insurance premiums or risk assessments will be a great way to educate yourself on whether flood insurance is required to save your property and assets. The best policy is to always prepare before the crisis arises since fighting the aftermath of an incident is usually hard to manage. 

Flood Insurance Near Easton, MD

If you want the peace of mind you deserve, contact our team at Ashley Insurance to help you find the right policy. We take pride in delivering superior customer service to the residents of and around the Easton, MD, area. Please call or stop by our office to get started. 

Can You Have More Than One Life Insurance Policy from Ashley Insurance

The Role of Multiple Life Insurance Policies in Comprehensive Financial Planning

Life insurance constitutes a critical part of financial planning, functioning as a safety net for dependents in the face of untimely misfortunes. At Ashley Insurance in Easton, MD, we often encounter queries regarding the feasibility and logic behind holding more than one policy.

The Feasibility and Benefits of Multiple Life Insurance Policies

Yes, it is not only possible but sometimes advantageous to possess more than one life insurance policy. Acquiring multiple policies can provide increased coverage and financial protection for your dependents. If one policy fails to provide an adequate death benefit or if it lacks other benefits you desire, an additional policy could fill in these voids.

Additional Benefits and Flexibility

Holding multiple policies can also present flexibility in terms of beneficiary designations and distribution of funds. It enables different beneficiaries to be assigned for each policy or specific expenses or requirements to be catered to by fund allocations from separate policies. However, it’s essential to carefully review your unique circumstances and goals when considering multiple life insurance policies to ascertain alignment with your overarching financial plan and comprehensive protection for your loved ones.

Rely on Ashley Insurance for Tailored Life Insurance Solutions

At Ashley Insurance, we take immense pride in assisting clients in securing quality life insurance policies. Whether you require one policy or multiple, our team is here to guide you. Call our office today to schedule an appointment with an agent to discuss your life insurance needs and options.

Do You Legally Need Commercial Insurance?

Dealing with commercial insurance can be quite an investment, causing owners to ponder its worth. It’s important to see insurance as a safety net you wish not to use, but it is essential for those ‘just in case’ instances. True, it’s not entirely without its financial and time constraints.

Recognizing the Need for Business Protection

Undeniably, ask yourself if your business owns property that would be difficult to repair or replace. This includes assets such as inventory, vehicles, computers, and other technical equipment. If the worth of these assets is in the ten-thousand-dollar range, commercial insurance becomes a must-have necessity.

Litigation Concerns

Also, consider the implications of potential legal action against your business. For instance, if you own a particular property where someone could get injured, sell items that could be defective or harmful, or experience a data breach, a lawsuit could ensue. Commercial insurance would cover you in these circumstances and reduce the risk of your business falling under financial stress due to unfortunate events.

Determining the Insurance You Need

If you employ personnel, you’ll need workers’ compensation insurance. General liability insurance covers any injuries that occur on your property. It’s also worth considering professional liability insurance to mitigate legal complications.

Business Insurance Solutions at Ashley Insurance in Easton, MD

If you’re a business owner in Easton, MD, and considering commercial insurance, don’t hesitate to contact Ashley Insurance. Our courteous, experienced agents are here to assist you in finding just the right policy for your business needs.

Can I Get Auto Insurance Coverage with My Horrible Driving Record?

Whether you have a horrible driving record because you’ve been involved in multiple car accidents, you’ve had several citations, or even a DWI, you likely still need to drive to get to and from work and school. Having a bad driving record in Easton, MD can leave many people without options, and you might be wondering if you can get auto insurance with a horrible driving record. 

Is Your Driver’s License Still Valid?

Many people have embarrassing driving records but who can still obtain auto insurance coverage. As long as your driver’s license is still valid, an insurance agency will provide you with coverage. Coverage for people with several points can be expensive, especially if you’ve had a DWI. 

The Driver Improvement Program

The state of Maryland offers a driver improvement program for eligible individuals. This program allows you to take a course, and upon completion, points will be removed from your driving record. If your driver’s license is invalid due to too many points, you might want to contact your local DMV to inquire about this program if it hasn’t been offered. If you’re eligible for the program and you’re able to have some points removed, you’ll be required to pay certain fines and fees to have your driver’s license reinstated. 

As you can see, in some situations, it is possible to still obtain auto insurance coverage despite having a horrible driving record. You may have to pay substantially higher rates until your driving record has had time to improve. If you’re seeking a new insurance provider and an Easton, MD resident, call us at Ashley Insurance. At Ashley Insurance, we might be the insurance agency you’ve been looking for that can provide coverage regardless of your driving record. 

Boat Upgrades That May Require More Coverage

Adequate insurance coverage is essential when operating your watercraft. If you have chosen some upgrades for your boat, learn how these modifications may require increased coverage. Then, contact a representative of Ashley Insurance to assist with preparing your insurance policy.

Boat Insurance 

Boat insurance is a type of recreational insurance. It protects a watercraft from damage, vandalism, and burglaries. An individual liability policy will prevent you from incurring costs resulting from a boating accident that was your fault. A comprehensive policy will cover repairs to your boat and any other watercraft involved in an accident with your boat.

New Storage

How you store your boat could influence the type of boat insurance policy you need. Take note of the storage type, plus the location where you store your boat. You will need to supply this information when you speak to an agent who serves Easton, MD.

Modern Lighting

Modern lighting will increase visibility while you are using your watercraft. New lighting could make your boat easier to operate. It may also lessen the possibility of you being involved in a boating accident. After new lighting is installed, the upgrades could influence the type of insurance coverage you need.

Advanced Security

Alarm systems, surveillance equipment, and GPS trackers secure your boat care. Security advancements may qualify you for a discount on your boat insurance policy. 

Contact Ashley Insurance

Whenever you have changes made to your boat, they need to be reported to an agent who serves Easton, MD. By consulting with one of our agents who represent Ashley Insurance, you can obtain the specific type of insurance coverage you need while operating your watercraft.

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.

When to Get Life Insurance?

Life insurance is essential to financial planning, yet many in Easton, MD delay purchasing it. Understanding the right time to get life insurance can significantly affect your family’s financial security.


Combining finances with a spouse often means sharing debts and financial responsibilities. It also involves becoming jointly dependent upon each other. Life insurance can ensure the surviving spouse isn’t burdened financially in the event of a tragedy.


The arrival of children is perhaps the most critical time to assess your life insurance needs. It’s crucial to ensure that your children are financially protected and can afford care, education, and living expenses if you’re not around.


Buying a home in Easton, MD, usually involves a mortgage. Life insurance can help ensure your family can keep the home if you pass away unexpectedly. Reevaluate your coverage when you first buy and anytime you upgrade your house.

Career Advancement

As your career progresses and income increases, financial responsibilities and lifestyle costs tend to increase. Updating your life insurance policy to match your current standard of living and new income is essential.

Retirement Planning

Life insurance can be a tool for estate planning, providing tax-efficient ways to pass wealth to the next generation. Whether this is the right way to transfer wealth requires assessing your personal situation, which we at Ashley Insurance can help with.

Life Insurance That’s Right for You

Life insurance is not just about age but about life stages and responsibilities. As your life evolves, your insurance needs change as well. At Ashley Insurance, we understand the complexities of life insurance and can guide you through choosing the right policy for your stage in life. 

Do I need commercial insurance for my Easton, MD home office?

Even if you already have renters or homeowners insurance, you probably need commercial insurance for your Easton, MD home business. If your business is involved in an incident that could potentially involve a legal claim, your personal insurance will not cover it. Ashley Insurance can help explain your options to ensure you have the protection you need.

Questions To Ask Yourself

Here are some questions you can ask yourself to decide whether you need personal insurance and what kind:

  • Do clients visit your home as part of your business activities?
  • Do you keep your work materials and equipment, including your laptop, in your home?
  • Do you employ others to assist with your business?
  • Would unrelated damage to your home, such as a fire, interrupt your business?

If you say yes to any of these questions, you face risks you could protect with the proper coverage.

Different Kinds Of Commercial Insurance For Your Home Business

There are several different kinds of insurance you may want to consider. The most common insurance, and one that almost everyone needs, is general liability insurance. This protects you from damages and injuries to third parties. Even if you use your personal vehicle for work, you should have auto insurance, as your personal policy will not pay for work-related claims.

If you have a home office, your business may be based on offering professional services. Professional liability insurance, or errors and omissions (E & O) insurance, will protect you if you make a mistake due to negligence. Worker’s compensation insurance is usually required by law if you have employees for your Easton, MD home office.

These aren’t the only kinds of protection you get. Please feel free to call Ashley Insurance so we can help you assess your risks.

My car is ten years old. Is full coverage auto insurance a wise investment?

Maryland’s drivers are legally required to carry auto liability insurance. However, some circumstances may require a driver to carry more than liability insurance. It can be challenging to determine how much auto insurance you truly need. Our Ashley Insurance team understands that navigating auto insurance can be confusing for many Easton, MD drivers. As a result, we’re here to help. 

What are the benefits of Auto Insurance?

In a nutshell, auto insurance can protect you financially and legally if you cause damage to someone else’s vehicle or property. It also covers the other driver’s medical expenses in case of an accident where you are at fault. Additionally, you can buy insurance that will pay for the repair or replacement of your own vehicle and your personal injuries. However, liability insurance is the only type of insurance that most states require drivers to have, but if you have an auto loan, you may need more coverage.

My car is ten years old. Is full coverage auto insurance a wise investment?

No. The value of your car continuously depreciates as time passes, and you increase your car’s mileage. As a result, a vehicle that’s a decade or more old is usually not a wise investment for full coverage insurance because the insurance cost usually exceeds the car’s appraised value after an accident. If you have questions regarding how much auto insurance you need, call us. We’d be happy to help.