April 18, 2025
AgencyUnderstanding the Role of Annuities in Estate Planning
Estate planning is a crucial aspect of financial management, helping distribute your assets according to your wishes and providing for your loved ones after your passing. One tool that can play a significant role in this process is an annuity. Annuities are financial products that provide a steady income stream, typically used for retirement planning, […]
February 22, 2025
AgencyThe Importance of Home Insurance for Natural Disasters
As a homeowner, you’ve invested significant financial resources into your home. Beyond your initial purchase, your residence likely houses many valuable and cherished items. Additionally, should your home ever become uninhabitable, you could incur significant expenses while finding somewhere else to live. These conditions demonstrate your need for sufficient home insurance in the face of […]
December 24, 2024
AgencyWhat Does Mobile Home Insurance Cover?
Proper insurance for your mobile or manufactured home keeps you financially prepared for life’s surprises. For instance, if your roof leaks after a storm or if a fire damages your home, mobile home insurance may help cover repair costs and replace your cherished belongings. What Is Mobile Home Insurance? Mobile home insurance, or HO-7 […]
October 24, 2024
mandgrayinsThe Importance of Certificates of Insurance for Contractors and Freelancers
In today’s dynamic work environment, contractors and freelancers are crucial across various industries. However, with the flexibility and independence of freelancing comes the responsibility of managing risks. One essential tool for mitigating these risks is the certificate of insurance (COI). What Is a Certificate of Insurance? A certificate of insurance is a document that provides […]
August 27, 2024
mandgrayinsBusiness Insurance in Fruitland, MD
Running a business comes with its own set of risks. Both emerging startups and well-established companies must secure their financial interests against unexpected occurrences. Think of business insurance as a comprehensive protective barrier that can financially shield your assets, reduce legal responsibilities and maintain operational stability. What Types of Business Insurance Are Available? The following […]
June 25, 2024
AgencyUnderstanding Farm Insurance Coverage Options
Farms form the backbone of the food supply chain for American homes and families. However, as essential as these businesses may be, they can be risky and perilous. The agricultural sector consistently ranks as one of the most dangerous among U.S. employers, and farm owners must manage many prominent risks and exposures, including working with […]
April 29, 2024
AgencyBoat Insurance in Maryland
Boating is a popular pastime on Maryland’s extensive coastline and waterways. But before you set sail, it’s essential to understand your boat insurance options. Boat insurance is a type of coverage that may help cover costs associated with damage to your boat or liability issues that could arise from its use. This coverage is not […]
December 29, 2023
AgencyWinterizing Your Home: How Insurance Can Help You Prepare
As winter approaches, homeowners are busy preparing their homes for the colder months. From sealing drafts to insulating pipes, there’s much to consider when winterizing your home. One aspect that is often overlooked but is crucial in safeguarding your property is insurance. How to Prepare Your Home for Winter Use the following times to make […]
November 29, 2023
AgencyWhat Are the Benefits of Using an Independent Insurance Agent?
The independent agents at Mann & Gray Insurance in Fruitland, Maryland, specialize in helping local individuals and businesses get appropriate insurance coverage. Independent insurance agents offer personalized service and expert advice tailored to your needs. With access to a wide range of insurance products from multiple carriers, we can compare policies and find the best […]
July 17, 2023
AgencyWhat Is Non-Owner Auto Insurance Coverage?
There are many situations where a person needs to purchase car insurance for their vehicle. What if you do not own a vehicle? You may still be a driver, but you don’t own a car at this time. Do you need auto insurance? The answer here is yes. This is what non-owner auto insurance is, […]