Category: Insurance

Small drones, also known as unmanned aerial vehicles, have become increasingly popular among hobbyists, kids and even businesses. Flying a drone can be fun, but it can also become an insurance headache if the remote-controlled aircraft is involved in an accident.

Therefore, before your drone hits a car, house or person—or gets in another sort of accident—it’s important to understand how your drone is covered.

Getting started, check your homeowners or renters insurance policies to see whether such aircraft are covered or excluded from coverage altogether. It’s also important to remember that even if your insurer does offer related coverage, there may be restrictions that you’ll need to be aware of.

It may be worthwhile to check with your insurer every few months on coverage changes related to drones due to fact that such coverage is relatively new and the developing technology may require insurance policies to be updated often.

If your drone hits your own car, it should be covered by the comprehensive coverage on your car insurance, which covers damage to a car from fallen objects or other disasters, according to the Insurance Information Institute (III). If it hits someone else’s car, it should be covered by the liability coverage on your homeowners insurance.

If someone is injured by the drone, your home insurance policy should have no-fault medical coverage. Injuries to your own family members, however, won’t be covered, according to the III. Your health insurance will cover that.

Your home insurance should also pay to replace a stolen drone. You’ll have to pay the deductible on your policy though.

The liability portion of your homeowners or renters policy may cover you against lawsuits for bodily injury or property damage that a drone causes, the III says. Even privacy issues—such as inadvertently taking pictures of a neighbor, who then sues you—should be covered. Intentional invasion of privacy won’t be covered.

If you’re using a drone for business, the Federal Aviation Administration (FAA) has stricter guidelines for commercial use than it does for recreational operation. Whatever you’re using a drone for, though, it must be registered with the FAA if it weighs between 0.55 pounds (250 grams) and 55 pounds (25 kg). If your drone isn’t registered, you may be subject to criminal and civil penalties. Commercial drone operators must also be licensed.

Furthermore, commercial drones aren’t covered by personal insurance policies. A business policy is needed in case your drone gets in an accident or does something else that requires insurance while being used for a business.

If you break a law with your drone, your insurer may not cover you. Federal regulations prohibit flying drones above 400 feet, within five miles of an airport, and above crowds or other objects. Flying drones near disaster areas may also violate federal and local laws, and unauthorized drone operators may be subject to fines if they interfere with emergency response operations.

Whether you plan on playing with a drone in your backyard or using it for business purposes, you’ll likely want to make sure you know the rules and are covered in case of an accident.

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Please contact us today at 800-425-5130 or visit our website at www.homesaleinsurance.com

As the temperatures climb in Lancaster and Baltimore, many of us are busy uncovering the pool and prepping the patio for summer BBQs. Before the first cannonball hits the water, make sure your homeowners’ insurance is ready. Learn how to protect your pool, guests, and assets this summer.

1. The Liability “Safety Net”
Most standard Home Insurance policies include a baseline of liability coverage. This is what protects you if a guest is injured on your property. However, with a pool, the stakes are higher.

The Recommendation: Most experts suggest increasing your liability limits to at least $300,000 or $500,000 if you own a pool.

The Umbrella Option: For ultimate peace of mind, an Umbrella Insurance policy provides an extra layer of protection (usually $1 million or more) that kicks in after your home policy is exhausted.

2. Safety Requirements & Your Premium
Insurance carriers often have specific requirements to ensure your pool is as safe as possible. Failing to meet these could result in a denied claim or a canceled policy.

Fencing: Most carriers (and local PA/MD ordinances) require a fence at least 4 feet high with a self-closing, self-latching gate.

Diving Boards & Slides: Be aware that some insurers may exclude coverage for injuries related to diving boards or slides, or they may refuse to insure homes that have them.

Maintenance: Ensure your pool deck is non-slip and free of tripping hazards to prevent the most common “slip and fall” claims.

3. Don’t Forget the “Physical Damage”
Liability isn’t the only concern. What happens if a severe summer storm knocks a tree onto your pool or destroys your expensive filtration system?

Other Structures: Typically, your pool is covered under “Coverage B” (Other Structures) of your homeowners policy. It is worth checking to see if your current limit is high enough to replace the pool and surrounding deck in the event of a total loss.

Enjoy the Summer with Confidence
At HomeSale Insurance Services, we want you to enjoy your summer without worrying about “what ifs.” Whether you are installing a new pool this year or just opening up an old favorite, we can review your current policy to ensure you have the right protection at the best possible rate.

Call us today at 1-800-425-5130 or visit our website at www.homesaleinsurance.com

Planning a summer getaway? From car maintenance to umbrella policies, here are the top 5 insurance essentials every PA and MD driver needs for a safe road trip.

Before you load up the cooler and queue the playlist, run through this quick checklist to ensure your trip is memorable for all the right reasons.

1. The “Under the Hood” Basics
It sounds simple, but most breakdowns are preventable. Check your tire pressure (including the spare!), oil levels, and coolant. If you’re pushing the limits on your last inspection, get it handled before the long haul.

2. Review Your Roadside Assistance
Does your current auto policy include roadside assistance? Knowing you have a professional jump-start or a tow just a phone call away provides immense peace of mind. If you aren’t sure what your limit is for towing mileage, contact us to double-check your coverage.

3. The “Out of State” Factor
Insurance requirements vary by state. While your policy generally follows you, an accident far from home can be complicated. Ensure your digital insurance cards are downloaded to your phone (don’t rely on spotty mountain cell service!) and that you have a physical copy in the glovebox.

4. Consider an Umbrella Policy
If you are traveling with a group or driving a larger vehicle, such as an RV, your liability risks increase. An Umbrella Policy is an incredibly affordable way to add an extra $1 million (or more) of protection over your existing auto limits. It’s the ultimate “safety net” for frequent travelers.

5. Secure Your Home Base
A road trip is only relaxing if you know your home is safe.
Smart Tech: Check that your doorbell cameras are active.
Water Safety: Consider turning off the main water valve to prevent a surprise leak while you’re away.
Social Media: Wait until you’re back to post those vacation photos!

Contact us today for a quick policy review, or request a free quote online to ensure your summer memories are protected.

Safe travels and enjoy the ride!

If you just opened your insurance renewal and felt a bit of “sticker shock,” you aren’t alone. Between the rising cost of high-tech car parts and the increased price of home building materials, 2026 has been a tough year for the household budget.

While you can’t control the economy, you can control how much you pay for protection. Here are four ways to fight back against rising costs right now.

1. Let Your Driving Do the Talking (Telematics)
In 2026, the most effective way to lower your auto premium is to prove you’re a safe driver. Most carriers now offer Telematics programs—usually a simple smartphone app or a small plug-in device.

How it works: The app monitors things like smooth braking, speed, and whether you use your phone while driving.

The Benefit: Instead of paying a “generic” rate based on your zip code or age, you get a personalized discount. Many drivers are seeing savings of 20% to 40% just by proving they are low-risk.

The Myth: No, they aren’t “spying” on your grocery runs; they are looking for patterns that prove you won’t cost them a claim.

2. Find Your Deductible “Sweet Spot”
With the cost of living up, every dollar in your monthly budget counts. One of the fastest ways to lower that monthly bill is to adjust your deductible.

The Strategy: If you have an emergency fund tucked away, moving your auto deductible from $500 to $1,000, or your home deductible to $2,500, can slash your annual premium significantly.

The Win: You trade a small amount of risk for a guaranteed monthly “raise” in your take-home pay.

3. The “Smart Home” Payback
In 2026, insurance companies are terrified of water damage (it’s now one of the most common and expensive claims).

The Strategy: If you’ve installed a smart leak detector or a monitored security system, tell your agent immediately.

The Win: These devices do the work for the insurance company by preventing disasters before they happen, and many carriers are now mandated to offer “Mitigation Discounts” in return.

4. Optimize Your “Multi-Policy” Bundle
Most people know that bundling home and auto saves money, but in 2026, the “Advanced Bundle” is where the real savings are.

The Strategy: Check if adding a small Umbrella policy or even a Life insurance policy triggers a deeper “Tiered Discount” on your primary home and auto lines.

The Surprise: Sometimes, adding a small $20/month life policy can actually lower your total monthly bill because it unlocks a higher discount bracket for your home and cars.

The 2026 Cost-of-Living Checklist
Before you pay your next premium, ask yourself:

[ ] Is my driving being tracked for a discount?

[ ] Have I updated my agent on my new home security or smart-tech?

[ ] Is my deductible set for 2024 prices instead of 2026 realities?

Contact HomeSale Insurance Services at 800-425-5130 for a free quote and peace of mind today!

Marley and Scotty are family. Ensure they get the best care with pet insurance. Call 800-425-5130 for a free quote and peace of mind today!

Rest Easy: Affordable Pet Insurance for Your Family

Marley and Scotty are more than just pets; they are members of the family. For Instance, whether it’s a Great Dane sprawling across the sofa or a tabby cat nestled on the couch beside her, our animals bring a unique joy to our homes. However, that joy often comes with the responsibility of managing their health and wellness.

Why Pet Insurance Matters

Many pet owners assume they can handle vet bills as they come. Additionally, while routine checkups are predictable, emergencies rarely are. Whether it’s a sudden illness or an unexpected injury, the cost of veterinary care can escalate quickly. By securing a comprehensive policy, you ensure that financial constraints never stand in the way of your pet’s life-saving treatment.

Specifically, pet insurance can help cover:

• Accidents and Injuries: From broken bones to swallowed objects.
• Chronic Conditions: Ongoing care for issues like allergies or arthritis.
• Diagnostic Tests: X-rays, MRIs, and bloodwork that can be costly.

Peace of Mind for Your Household

Furthermore, having insurance allows you to focus on what matters most: your pet’s recovery. According to the American Veterinary Medical Association (AVMA), having a plan in place is one of the best ways to be a proactive pet owner.

Don’t wait for an emergency to happen. Ensure Marley, Scotty, and the rest of your furry family get the best care possible.

Contact HomeSale Insurance Services at 800-425-5130 for a free quote and peace of mind today!

Moving from Pennsylvania to Maryland? Learn exactly how to handle your auto insurance, home insurance, MVA inspections, and excise taxes to avoid penalties.

Moving across state lines is an exciting milestone, but transitioning between Pennsylvania and Maryland comes with specific regulatory hurdles that can catch drivers and homeowners off guard. At Homesale Insurance, we serve clients from Harrisburg and Lancaster all the way down to Westminster and the Baltimore suburbs. We know this corridor intimately.

If you’re asking, “What happens to my insurance when I move from PA to MD?”—here is your complete, step-by-step guide.

1. The 60-Day MVA Window (Do Not Miss This)

When you establish residency in Maryland, you have exactly 60 days to register your vehicle with the Maryland Motor Vehicle Administration (MVA). If you fail to do this, you risk facing a penalty tax of 6% of your vehicle’s current value.

Before you go to the MVA, you must have a valid Maryland auto insurance policy in place. Maryland requires your insurance provider to electronically verify your coverage with the state.

2. The Maryland Safety Inspection

Unlike Pennsylvania’s annual safety and emissions inspections, Maryland requires a one-time, highly rigorous safety inspection when you bring an out-of-state vehicle into the state.

• Action Step: You must pass this inspection at a licensed Maryland inspection station before you can get your hard plates. Your Homesale Insurance agent can help you time your policy start date perfectly to align with your inspection schedule.

3. Auto Insurance Minimums: PA vs. MD

When you switch your policy, you will notice differences in coverage minimums.

• Pennsylvania: Requires $15,000 for injury/death of one person, $30,000 for injury/death of more than one person, and $5,000 for property damage. PA also utilizes a “Choice No-Fault” system (Limited vs. Full Tort).
• Maryland: Requires higher minimums: $30,000 for injury/death of one person, $60,000 for injury/death of two or more people, and $15,000 for property damage. MD operates under a traditional “At-Fault” system.

Because of the shift from No-Fault to At-Fault, and the increased minimums, it is critical to have an independent agent shop your rates to ensure your premium doesn’t spike.

4. Homeowners Insurance: Inland PA vs. Coastal MD

If you are moving from a central PA city like Carlisle or Camp Hill down toward the Chesapeake Bay or Ocean City, your home insurance risk profile changes completely.

• Wind and Water: Properties on the water or very close to the Chesapeake Bay or Ocean City, Maryland are often subject to different windstorm deductibles and flood risks compared to central PA. Standard homeowners insurance does not cover flooding. If your new MD home is in a flood zone, we will need to secure a separate policy through the National Flood Insurance Program (NFIP) or a private carrier.

Let Us Handle the Transition

Dealing with the MVA and closing on a new house is enough work. You don’t need to spend hours on hold with 1-800 numbers trying to coordinate your policy switch. Because Homesale Insurance is licensed and deeply embedded in both PA and MD, we can seamlessly cancel your PA policies and bind your MD policies on the exact day you need them.

Contact Homesale Insurance today for a free state-to-state transition review.

Moving across the Mason-Dixon line involves more than just a new zip code. Pennsylvania’s insurance landscape operates differently than Maryland’s, particularly regarding your “Right to Sue” in auto accidents and unique regional property risks like sinkholes. Use this checklist to ensure your coverage crosses the border safely.

1. The Auto Insurance “Tort” Choice (The Biggest Change)

In Maryland, you have an unrestricted right to seek compensation after an accident. In Pennsylvania, you must choose a “Tort Option.”

• Select Full Tort vs. Limited Tort:
  • Full Tort: Maintains your unrestricted right to sue for pain and suffering.
  • Limited Tort: Lowers your premium but restricts your legal rights unless the injury is “serious” as defined by law.
• Update Your Medical Benefits (PIP): PA requires a minimum of $5,000 in Medical Benefits. This is a mandatory coverage.
• PA Vehicle Inspection & Registration: You have 20 days after titling your vehicle in PA to get it inspected. Your insurance must be active and PA-specific before you can register the vehicle.

2. Homeowners Insurance: The “Ground” Factor

Maryland’s coastal and suburban risks differ from Pennsylvania’s limestone-heavy geography.

• Add Sinkhole Coverage: If you are moving to Lancaster, York, or the Cumberland Valley, you are in a high-risk area for sinkholes. Standard homeowners policies exclude earth movement. Ask for a specific Sinkhole Endorsement.
• Check for Mine Subsidence: Moving toward Western PA or specific parts of Schuylkill County? You may need Mine Subsidence Insurance (MSI).
• Water Backup/Sump Pump Overflow: With PA’s older infrastructure and basement-heavy homes in Lancaster and Reading, ensure you have a water backup coverage.

Common Questions About Moving Insurance from MD to PA:

Contact one of our Homesale Insurance Advisors today. We are ready to help you with your move from Maryland to Pennsylvania. 800-425-5130. You can also click on the QR code below to get started.

Walking through the streets of Lancaster City or Lititz, you’ll often see those iron “Fire Marks” on old brick facades. Back then, they were a guarantee that fire brigades would save your home. Today, protection is a bit more complex. If you are buying a home built before 1940, a standard policy might leave you exposed.

1. The “Rebuild” vs. “Repair” Trap Many insurers provide replacement cost coverage. This will pay for the cost to replace/rebuild your home if it was damaged. But in Lancaster, replacing hand-carved molding, slate roofing, or horse-hair plaster is very unique and not typically seen in modern houses. you might need extended dwelling coverage or functional replacement cost

2. The “Hidden” Systems (Knob & Tube) We love the charm of exposed brick, but we hate what’s often behind it: Knob and Tube wiring. Many carriers will flat-out refuse to insure it due to fire risk. At Homesale Insurance, we know which carriers specialize in historic PA homes and can help you navigate inspection requirements without losing the deal.

3. The Sinkhole Reality Pennsylvania sits on limestone, making us one of the top states for sinkhole activity. Standard home insurance does typically does cover earth movement. You could be fully financially responsible for the repairs—unless you have a specific Sinkhole Endorsement.

Lancaster FAQ

• Q: Do I really need sinkhole insurance in Lancaster County?
  • A: Yes. Pennsylvania is prone to sinkholes due to our limestone bedrock (karst terrain). Standard home policies exclude “earth movement.” We highly recommend adding a specific Sinkhole Endorsement to protect your foundation.
• Q: Does my auto insurance cover horse and buggy accidents?
  • A: Yes, a collision with a buggy is treated like a collision with another vehicle. However, given the severity of these accidents, we recommend higher limits to protect your assets from lawsuits.

Winter in the Mid-Atlantic is a bit of a “choose your own adventure” story. For those of us at Homesale Insurance, we see this play out every year from our offices in Pennsylvania and Maryland.

Whether you’re in a historic brick rowhome in Fells Point or a sprawling farmhouse in Lititz, here is what you need to know about our local winter weather—and how to protect your investment.

The Lancaster Winter: The Long, White Blanket

In Lancaster, we don’t just get snow; we get a “season.” Historically, Lancaster County averages about 27.5 inches of snow per year. The temperatures here are consistently colder, often dipping into the low 20s.

• The Insurance Risk: Ice Dams. Because Lancaster stays colder longer, snow on your roof can melt and refreeze at the gutters, forcing water under your shingles and into your attic.
• Pro Tip: Ensure your attic is well-insulated and ventilated. Keeping the attic air cold prevents that freeze-thaw cycle that leads to interior water damage.

The Baltimore Winter: The Coastal Wildcard

Baltimore’s winter is a different beast. With average highs around 47°F, the snow often turns to slush or “wintry mix” within hours. However, don’t let the milder average fool you—Baltimore averages about 20 inches of snow, often coming in heavy, wet bursts.

• The Insurance Risk: Heavy Snow Loads & Liability. Wet snow is significantly heavier than the “powder” found further north. This puts immense pressure on older roofs and porch overhangs. Additionally, the constant melting and refreezing in the city creates “black ice” on sidewalks.
• Pro Tip: Clear your walkways early and often. As a homeowner, you have a responsibility to keep your property safe for mail carriers and neighbors. If you do not clear the walkways and someone slips and falls that will fall back into your Homeowners Insurance. Do not have a sidewalk that looks like the one below. One of our team members clearly has not gotten to shoveling yet.

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3 “Must-Dos” for Every Homesale Client

Regardless of which side of the Mason-Dixon line you call home, these three steps are your best defense against a winter claim:

1. The “Slow Drip” Defense: If temperatures are forecasted to stay below freezing, let your furthest faucet have a tiny drip. It’s a lot cheaper than a burst pipe claim!
2. Clear the Car Top: We’ve all seen it on Route 30 or I-95—a “snow bomb” flying off a car roof. Clear your roof completely to avoid a liability claim or a ticket.
3. Review Your Policy: Does your current policy cover “Weight of Ice and Snow”? Many basic policies have nuances.

At Homesale Insurance, we protect the homes that Homesale Realty helps you find. We know these neighborhoods because we live in them, too.