1. Do know your drone — and your capabilities. Practice your maneuvering skills, including safe landings, in an open field or empty parking lot. You could even join a local club to learn how to fly. Once you do, be sure to stay away from people, wildlife, public events and, yes, your neighbor’s pool party.
    

2. Don’t forget to register your drone. In the eyes of the Federal Aviation Administration (FAA), your drone isn’t a toy. It’s an Unmanned Aircraft System, one you need to register with the agency.
    

3. Don’t fly above 400 feet or within 5 miles of an airport. If you do, you’ll violate FAA guidelines. Though flying near an airport may be possible after first obtaining clearance from the facility and control tower.
    

4. Do get authorization for commercial use. If you use a drone for commercial purposes, such as taking photos for your real-estate business, you must get FAA authorization first. Just using a drone for personal recreation? No authorization required. 
    

5. Do understand the risks. Drones can weigh up to 55 pounds, so there’s the potential for them to cause some serious damage – damage for which you might be liable. However, not all homeowners insurance policies provide liability coverage for hobby or model aircraft. Give us a call to find out what kind of coverage you might have.

Hey, we get it. Drones are affordable, fun to fly and have a number of interesting uses, such as aerial photography. Just remember to be smart and safe while yours is in the sky. And, if you’re being impacted by someone else’s drone use, it’s best to talk it through. Because we here at PMA Insurance Services, LLC don’t want to see you on the local news!

Reassess your homeowner’s policy on an annual basis with these five steps.

Reviewing your homeowners policy may not rank high on your annual home-maintenance checklist. Yet following the five steps below will save you big bucks now and a lot of grief down the road. After the recent slew of natural disasters, average annual premiums are expected to surpass $1,000, with some owners likely to see double-digit rate hikes. Haven’t taken a close look at your policy lately? Then dust it off and make insurance your next project.

Measure How Much Coverage You Need

Your No. 1 priority must be the house itself. “Possessions, living expenses, and liability should all be secondary,” says Amy Bach of United Policyholders, an insurance advocate group.

Don’t base your coverage level, though, on the home’s appraised value, which includes land costs. Instead, says Kevin McCarty, president of the National Association of Insurance Commissioners, use the recent per-square-foot replacement costs in your area, available from your local homebuilders association. The difference can be sizable. In New York state, land makes up 9% of the average home’s value, according to the Lincoln Institute. In Hawaii, it represents more than half.

Is your area prone to natural disasters? Price out extended or guaranteed replacement policies, which protect you from inflated labor and material costs following such catastrophes.

Inspect What’s Not Covered

Don’t assume that all “perils” are covered. As homeowners learned the hard way after Hurricane Irene last August, standard policies exclude damage from flooding, not to mention earthquakes and landslides. “Most people aren’t aware of what their policy does and doesn’t cover until they file a claim,” says Deeia Beck, executive director of the Office of Public Insurance Counsel, a state consumer agency in Texas.

If you live in a high-risk area for floods, you may be required to add supplemental coverage, which can cost $1,700 to $3,300 on a $150,000 building and $50,000 worth of contents.

Also, take note of common exclusions, such as those on mold and even broken pipes owing to lack of routine maintenance. You know which nuisances your home is susceptible to. Use that knowledge to beef up coverage by adding so-called endorsements. Been a victim of sewage backups, which aren’t covered by most standard policies? Insure against them for anywhere from about $100 to $250 a year.

Recheck the Deductible

It may not be the same as it was a year ago. Many insurers are retooling deductibles from set dollar amounts to percentages, which can often represent a substantial change.

In general, you want to go for the highest deductible you can afford to lower your premiums. Beware, though, that not all insurers that are making this switch from dollars to percentages are cutting premiums at the same time. Also, be mindful that these deductibles are a percentage of the insured value of your entire home, not of what needs to be fixed. So if you have a $400,000 home, even a 5% deductible may be too steep a price to pay, and a reason to shop around.

Hammer Away at Your Premium

Insurers don’t always spell out how much your rates shot up on renewals. So dig out last year’s documents and compare for yourself. If your rates rose 5% or more, make sure to call the company for an explanation.

Knowing whether the increase resulted from changes in your risk profile or from broad-based increases in the marketplace will help you negotiate and comparison-shop—which you should do at every renewal or at least every couple of years.

In addition to bumping up your deductible, you can lower your premium by bundling together your home and auto insurance, which can shave off from 5% to 15%. Also, installing security systems, storm shutters, or a new roof can chip away another 15%. Before you make that commitment, though, check with your insurer to see if your installation qualifies, says Jeanne Salvatore of the Insurance Information Institute.

Clean Up Your Work Area

Finish your project by getting all your documents in place. If you haven’t already done so, conduct a home inventory (contact PMA Insurance Services for a worksheet). Pair that with receipts, photos, or videos and then store all your paperwork—along with a complete copy of your insurance policy—in a fireproof box.

For extra protection, scan and store all of that information digitally on a flash drive, and remember to keep that off-site, says Bach. If disaster strikes, you don’t want this critical information to be at risk too.

Contact Us!

At PMA Insurance Services, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable.

Just give us a call at (703) 449-1327 or send us a note at info@pmabenefits.com . We want to help you meet your goals, and make sure what’s important to you is protected!

Content provided by This Old House.

Finding competitive rates and quality coverage is not always easy but PMA Insurance Services is not just any agency. Homeowners receive the best personal attention and customized service catered to your needs. One of the best providers available with PMA Insurance Services includes Travelers.

Travelers Insurance is a Fortune 500 company decorated with many respectable awards from Forbes, Barron, and Goldman Sachs. Travelers protects homeowners when there is damage to the home or other structure, personal belongings, liability, valuable items, and other living expenses. Extensive auto coverage is also available and offer more than just standard liability.

Travelers insurance gives customers policies to cover property, bodily injuries, medical expenses, comprehensive damage, and collision with objects or vehicles. Travelers also protect injured policyholders from high costs caused by underinsured or uninsured drivers and offer coverage options for rentals, towing, gap insurance and more. Travelers Insurance is available to customers for efficient claim reporting and customer service.

Do you want the best coverage possible in the Northern Virginia area and nearby areas? PMA Insurance Services is proud to give clients a selection including Travelers, Kemper Preferred, Metlife, Safeco, Allied (Nationwide), and Hartford Insurance.

If you are already a customer of PMA Insurance Services in Chantilly, VA, then you know that our independent insurance agency is dedicated to serving you and your neighbors throughout the Northern Virginia and Washington Metropolitan area and offering you access to more than thirty auto and home insurance companies that can serve your needs.

You should also know that we care about you and your family and want you to make the best choices when it comes to matters of safety. Did you know that The Center for Disease Control and Prevention reports that 16 to 19 year olds are involved in more automobile accidents than any other age group? The good news is that you can do something about that. The most important thing you can do to assure your teen’s safety while driving is to make sure he or she gets driver education.

Looking to purchase that first car for your teenager? Then here are a few tips on choosing a safe car.

• Make sure the vehicle is equipped with Electronic Stability Control which will prevent it from spinning out.
• Look for a vehicle that features an Automatic Braking System.
• Buy a vehicle that has airbags that work.
• Make sure the tires are good and check them regularly to avoid any problems.

Of course it is also important to make sure that your teen has proper auto insurance too. Our friendly and experienced agents are great at helping you choose the best carrier for your needs. We offer policies from reputable companies including Travelers, Safeco, GMAC, Kemper Preferred, Dairyland, Hartford, Progressive, Allied, Metlife and many more. Why not contact us today and get a quote? You can reach us at (703) 449-1327.