JOE GAST
Are there any coverages people may not realize are available and should consider?
For businesses, I would recommend asking about Business Income/Extra Expense & Ordinance or Law Coverage. Some counties now mandate sprinklers for new construction, and many property owners would not have enough coverage to rebuild and install sprinkler systems that satisfy the current code.

LAURA DEELEY BREN
Q:  What makes Deeley different?We put you first, because you deserve to work with a partner that’s honest, responsive and tuned into what matters to you. We are a team of independent thinkers in an industry that can feel complex and transactional. We’re sure in the way we guide, consult and deliver. We want you to understand what you are buying and be confident in how you choose to protect your business and family.

DAVID GALEONE
Q:  What makes insuring homes on the Eastern Shore different than other places?A:  Well, it is just as important for insurance as it is when it comes to buying or selling a home — it’s all about location, location, location. Where your home is located is a big factor in determining which company will offer you the best options.

MARK HANNAHS
Harford General Insurance Agency has been providing premium insurance products with personalized customer service since 1964. 

With offices in Ocean City and Baltimore County, and licensed in 12 states, the independent insurance agency assists homeowners, business owners and contractors by evaluating their risks and protecting their valuable assets through top-rated insurance products — all with great service,