Personal Insurance Blog

What Do You Want to Insure?

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 […]

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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 […]

Blue car rear-ends black hatchback, front and rear damaged

What to Do in a Hit and Run: Immediate Steps to Protect Yourself

by |Dec 05, 2024 | Blog, Personal Insurance

If you're wondering what to do in a hit-and-run situation, you're not alone. Every year, thousands of drivers face this frightening scenario, left to deal with damage, injuries, and mounting expenses while the responsible party disappears into traffic. Being the victim of a hit-and-run car accident can leave you feeling helpless, angry, and uncertain about […]

Hand touching wall-mounted smart home control tablet in kitchen

Smart Home Insurance Considerations: Privacy vs. Premiums

by |Sep 16, 2024 | Blog, Personal Insurance

Smart home technology is revolutionizing the way we manage our homes, offering unprecedented convenience and enhanced security. Beyond the ease and peace of mind, smart technology can also lead to significant savings through smart home insurance discounts. From smart thermostats and automated lighting to voice-activated assistants and video doorbells, these devices allow homeowners to automate […]

Open front-load washer, baskets, detergent and folded towels

Protect Your Home and Save with a Smart Home Water Sensor

by |Aug 21, 2024 | Blog, Personal Insurance

Water damage can be one of the most devastating and costly issues a homeowner can face. Water damage claims can sometimes exceed the losses from fire damage, with water running for hours or even days if not addressed promptly - making home water monitoring an essential component of protecting your home. At Gerety Insurance, we […]

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Personal Insurance Blog

What Do You Want to Insure?

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

What to Do in a Hit and Run: Immediate Steps to Protect Yourself

Smart Home Insurance Considerations: Privacy vs. Premiums

Protect Your Home and Save with a Smart Home Water Sensor

About

Personal

Commercial

Customer Service

Personal Insurance Blog

What Do You Want to Insure?​

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

What to Do in a Hit and Run: Immediate Steps to Protect Yourself

Smart Home Insurance Considerations: Privacy vs. Premiums

Protect Your Home and Save with a Smart Home Water Sensor

About

Personal

Commercial

Customer Service

What Do You Want to Insure?