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Consumer Resources

We are committed to seeing that our policyholders and insurance consumers in general are as informed and educated about insurance topics as possible.  So we have provided a collection of tools, links and more to help you understand insurance coverages and protect your family, your home, your business and your vehicles from damage and danger.  

Our expert agents here at the Ewing Hines & Associates in Kensington, Maryland, are always seeking to assist you in managing your insurance needs and providing you with the best coverage at the best rate.  So we have provided the following insurance calculators and tools to help you assess your circumstances.  After you have used the tools, we look forward to answering your questions and discussing your findings.  Please contact us anytime.


Life Insurance Calculator

This online tool will help you decide whether you need life insurance and , if so, how much coverage you should purchase. (Courtesy of Erie Insurance Group)

Disability Insurance Needs Calculator

An online tool to help you decide what your needs are, should you become disabled.  Use this calculator to determine how much disability insurance you need.

Household Inventory (PDF)

Print this brochure and checklist. Then complete it to record a list of all your household items.  Store it in a safe place with your other important papers, but review it regularly, changing it as necessary to keep it current.  (Provided courtesy of Erie Insurance Group)

Insurance Links

Local Consumer Resources

Capezio Contractors 

Key Kleaning

Young Drivers: The High Risk Years

This is a must-see video if you expect to have youthful drivers on your policy. View it and then contact us about possible discounts. 

This Year's Top Vehicle Safety Picks
If you are considering buying a new car, review this list from the Insurance Institute for Highway Safety before making your decision.  It might help protect you and your family on the road.

National Highway Traffic Safety Administration
This consumer safety website has a wealth of information about relevant and timely risks and issues that will help you maximize your family's safety while on the road.

Distracted Drivers
You will be surprised, possibly shocked, at the number of impaired drivers who are busy with other tasks --  by far the most dangerous is texting or talking on cell phones as they drive.  The accident rate and fatalities will alarm you.  This website also shows the latest counteractive measures, provides advice to avoid accidents, and more.

National Safety Council
This website offers a wealth of advice and information about safety in the workplace, at home and at school.

National Weather Service
This website is a clearinghouse of information and current reports on weather issues, from tornadoes, thurnderstorms, hurricanes and much more.

National Flood Insurance Program (FEMA)
This website addresses the flood insurance program that is administered by the Federal Emergency Management Administration (FEMA) and provides details of coverage, etc. for your reference.

U. S. Consumer Products Safety Commission
This website provides helpful information to help you avoid being the victim of consumer fraud.

U.S. Fire Administration
The website provides lots of helpful information to help you protect your home and family from fire.

National Fire Protection Association
A consumer oriented website that offers resources and information to help you stay safe from the dangers of fire.

Home Safety Council
A website that offers resources and information to help you keep your home safe.

The following three links will provide you with a free credit report:
Trans Union

Occupational Safety & Health Administration (OSHA)
This website is for small or large businesses as well as workers who wish to research any sort of health and/or safety issue.