Wayne Shoemaker

🏡🚗 August 2026 Home & Auto Check (Back to School Edition)

As summer winds down and back-to-school schedules kick in, it’s a great time to review your homeowners or renters and auto coverage. Between new routines, more commuting, field trips, and after-school activities, small changes can impact what you need from your policy.

Have you had any of these recently?

• Storm/wind concerns (especially late summer weather)

• Home updates or improvements

New drivers added (or teen drivers getting more behind-the-wheel time)

• More driving for school drop-offs, sports, work, or activities

• Purchases like laptops, tablets, bikes, or new backpacks/electronics

A quick review can help you avoid surprises later. 🛡️

📚 August Financial & Coverage Refresh

With the year moving forward, August is a smart time to refresh your plans—especially as needs change.

Back-to-school can also mean:

• New devices and student gear (often worth more than we expect)

• More time spent at home (and more use of personal property)

• Family policy changes (beneficiaries, life updates, school-age kids)

It’s a great opportunity to:

• Review coverage limits

• Check deductibles

• Confirm your beneficiaries

• Make sure your policy matches your current lifestyle

Some August Observances & Reminders

• Aug. 7 — Purple Heart Day

• Aug. 15 — V-J Day (Victory over Japan Day)

• Aug. 19 — World Humanitarian Day

• Aug. 26 — Women’s Equality Day

• Aug. 26 — National Dog Day

Back to School: A Quick Coverage Tip

Did you know many home and renters policies help protect personal property like laptops and backpacks within coverage limits? If you purchased new devices or upgraded school gear this year, it may be worth confirming your coverage (and updating anything you’ve added recently).

Protecting What Matters Most to You

Our mission is simple: to help you protect what you’ve worked so hard for. Since 2005, my team and I have been helping families and small business owners in Calvert County build a wall of protection around their lives. We’re proud to serve our neighbors across Maryland, Virginia, and the District of Columbia.

How We Help You Protect Your World

We make insurance simple and clear, so you can focus on what you’re building.

• Protecting Your Property: Auto, Home, Renters, and Condo

• Securing Your Family’s Future: Life Insurance

• Supporting Local Business: Business Insurance

• Insuring Your Fun: Boat, Motorcycle, RV, and more

My journey to this work began with service. After six years in the US Army, I transitioned to a career in education before finding my true calling. In 1978, inspired by the integrity of my own agent, I joined the company and have never looked back. I've been honored to earn the company's President’s Club and Ambassador Club awards, but the real reward is the satisfaction we receive from our customers every day.

Let's Start a Conversation

Our bilingual team (English and Spanish) is ready to help. We believe a quick conversation today can save you a lot of headaches tomorrow.

Call, click, or stop by our office. We look forward to meeting you!

Frequently Asked Questions (FAQ)

Q: What's an effective way to get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Wayne works with Prince Frederick residents to find coverage that fits.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Prince Frederick, MD, reach out to Wayne.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Connect with Wayne for insurance guidance in Prince Frederick.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. It can help give your loved ones financial support when they may need it most. In Prince Frederick, you can count on Wayne for personalized service.

Q: What does renters insurance cover?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Wayne is here to help your Prince Frederick household feel covered.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, personal property, personal liability, and additional living expenses after a covered loss. Looking for coverage? Talk with Wayne about your options in Prince Frederick.