Heller Kowitz Blog

As electric vehicles (EVs) continue to gain popularity, many Maryland residents are making the switch to more sustainable transportation options. If you’re one of those EV owners or are considering becoming one, it’s essential to understand the implications for both your car and homeowners insurance, especially when it comes to installing home charging stations. Here’s

As we navigate through an increasingly challenging economic landscape marked by rising costs and heightened concerns over cyber crime, consumers face an insurance market that is evolving at a rapid pace. At Heller Kowitz Insurance Advisors, our mission is to educate, design, and protect our clients, enabling them to understand current dynamics and make informed decisions

January is National Financial Wellness Month, a time when individuals are encouraged to reflect on their financial health and take steps to improve it. As part of a comprehensive financial wellness plan, insurance plays a crucial role in safeguarding your assets and ensuring peace of mind. Whether it’s life, health, auto, or homeowners insurance, having

As we head into 2025, many of us have been making larger purchases, whether it’s jewelry, art, electronics, or other valuable items. It’s essential to take a moment to update your insurance policies to ensure that these new acquisitions are adequately covered. This step can provide you with peace of mind, knowing that your investments

Life insurance has long been recognized as a vital financial tool, primarily for its death benefit, offering loved ones financial security in the event of an untimely passing. However, in recent years, the landscape of life insurance has transformed dramatically, evolving into a multifaceted financial product that plays a crucial role not only in risk

As we step into October, we not only welcome the changing seasons but also recognize an important observance: Cyber Awareness Month. In today’s digital age, cybersecurity has emerged as a critical concern for both businesses and individuals. With increasing reliance on digital platforms, the risk of cyber threats is higher than ever. This month, we

When was the last time that you looked at or updated your personal homeowners insurance policy? Have you made upgrades to your property, purchased new art or jewelry? Do you know what value your property is currently insured for? Have you taken into account the current market more importantly the major increases in building and

At Heller Kowitz Insurance Advisors we hear a lot of misconceptions about insurance and how it actually works. We wanted to help debunk some of those myths, so you can feel more confident in choosing the right policy for you, your family, or business in the future. Insurance is necessary to protect you in today’s

Heller Kowitz Insurance Advisors, a partner of Unity Insurance is recommending that all homeowners check their insurance policies after unusually high inflation levels this past year. Standard policies only account for 1-2 percent increases on the value of your home every year. We are currently seeing home value’s rising closer to 9 percent, which means

In early January, the state of Washington was the first to pass, the Long Term Care Trust Act. This this means that all residents living in the state of Washington now have to pay 58 cents for every $100 they earn into the states trust for long-term care. Although Washington state is the first in