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Raley, Watts & O’Neill Insurance

Since 1950, Raley, Watts & O’Neill has been serving the insurance needs of our clients. We started as a one person operation in Lexington Park, MD and are proud of our small town heritage. We have worked hard to maintain the fundamental principles of our roots while we have grown into a company that serves clients throughout the Mid-Atlantic, the United States and Internationally. We pride ourselves on getting it right and taking care of the needs of our clients. We simplify the insurance process and take the time to make sure each of our clients understand their options, what they are buying and where their money goes. Our committed staff has the expertise and extensive experience in a broad range of insurance products and services like Commercial, Personal, Bonding, Safety/Risk Management, Group Health, Life and Financial Services. We would welcome the opportunity to demonstrate to you how working with Raley, Watts & O’Neill is about more than just insurance; it is about a long term relationship. We always strive to never veer from our values – C.A.R.E

Why Do I Need Fire and EMS Insurance?

Gordon O’Neill Gordon O’Neill , 10/22/2014
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Raley, Watts, & O'Neill, MD, CGLInsurance policies have been crafted to cover nearly any potential situation that could cause hardships; this includes policies for the home, medical care, automobiles, and even floods. However, many fail to realize the importance of also purchasing a Fire and EMS insurance policy. HealthCare insurance policies rarely cover the cost of EMS transportation, and some home-owners policies may have limitations on what types of fires are covered. Everyone needs to know the following information about Fire and EMS insurance policies. Fire Insurance Most home-insurance policies will cover the cost of replacement in the event of a fire, but some may not cover small fires or those caused by unnatural circumstances, such as grease-fires or faulty wiring. If your home is more than 20-years old, you should look into the possibility of attaining a specific fire insurance policy. It provides peace-of-mind to aging materials within a structure and guards against potential problems from accidents, such as smoking, overheating appliances, or cooking-catastrophes. Now, you may be wondering why you would purchase a fire insurance policy if the home isn't destroyed. However, it's important to remember that the majority of the damage done from fires comes in the form of smoke-damage. Even in minor fires, the smoke can thoroughly ruin any sort of structure. Your curtains, furniture, and rooms will smell of smoke. Carpet will retain the odor almost indefinitely, and you will need to clean, wash, and probably paint every room within your home. As if the smoke damage isn't enough, the extreme heat from the fire can decimate any wiring left intact within walls. EMS Insurance EMS Insurance includes any sort of emergency medical service transportation that you may need; however, you need to be aware that not all policies are created equal within this category. Some policies may only cover certain services, certain geographic regions, or certain forms of transportation. There are countless untold stories about the exuberant cost of "flight-for-life," which we all know as the emergency helicopter that takes people to the hospital in emergency situations where an ambulance won't transport the patient quick enough. Now, not many helicopter-based emergency medical services will deny transporting a patient in the US, but some bills can escalate well-beyond $100,000 for a single trip of less than 10-miles--more if the landing location is in a difficult area. If you live in any of the following areas, it's a good idea to have an EMS-Helicopter Insurance Policy
  • Rural Areas
  • Small Islands
  • Mountainous Regions
  • Isolated, Desert Areas
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