Home Insurance
Your home is probably your most valuable asset, and we want to ensure it’s protected. Our experienced agents will offer the knowledge you can trust and affordable, dependable home insurance options. A policy from us protects not just your property; it also protects you, your family, your guests, and your belongings.
When choosing Us to help with your home insurance needs, you are also choosing coverage from one of our many trusted providers. Some coverages may be limited or subject to certain restrictions. Therefore, it is important to talk with one of our local agents to ensure it’s the right policy.
Typical coverage packages for homeowners insurance can include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expenses (in the event of covered loss or a natural disaster)
- Personal Liability
You can choose to strengthen your homeowners insurance package with options such as:
- Valuable Articles/Floater Insurance policies (i.e., Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
Frequently Asked Questions
What should I look for in a homeowners insurance policy?
When choosing a homeowners insurance policy, it’s important to consider your coverage limits, deductible, liability protection, and any optional endorsements you may need. If you’re shopping for homeowners insurance in Annapolis, our team can help you compare your options and find coverage that fits your needs.
Does homeowners insurance cover wind damage?
Many homeowners insurance policies cover wind damage caused by storms or severe weather. Coverage and deductibles can vary depending on your policy and where you live, so it’s a good idea to review your coverage before a storm occurs.
Can I update my homeowners insurance after making improvements?
Yes. If you’ve remodeled your home, added a room, or completed other major improvements, it’s important to update your homeowners insurance. These changes may increase your home’s rebuilding cost and affect the amount of coverage you need.
Does homeowners insurance cover kitchen appliances?
Many homeowners insurance policies cover built-in appliances if they’re damaged by a covered loss, such as a fire or windstorm. Other household appliances may also be covered under your personal property coverage, depending on your policy.
Why is homeowners insurance important?
Your home is one of your biggest investments, and homeowners insurance helps protect it from unexpected events like fires, storms, theft, and liability claims. Having the right coverage can provide valuable financial protection and peace of mind. Homeowners in Annapolis can count on our agency to help them choose the right policy.
Does homeowners insurance cover my roof?
In many cases, homeowners insurance helps cover roof damage caused by covered perils like hail, wind, or falling trees. Damage caused by age, wear and tear, or lack of maintenance is generally not covered.
How can I make sure my home is properly insured?
Reviewing your policy regularly is one of the best ways to make sure your coverage keeps up with changes to your home and lifestyle. If you’re unsure whether your current policy provides enough protection, we’re happy to help you review your coverage.
Does homeowners insurance cover broken windows?
Homeowners insurance may cover broken windows if they’re damaged by a covered event, such as a storm, vandalism, or accidental damage from a covered peril. Coverage depends on the cause of the damage and your specific policy. Homeowners in Maryland can contact us with questions about their coverage.
Can I insure a newly built home?
Yes. Newly constructed homes should be insured as soon as you take ownership. A homeowners insurance policy can help protect your new home from covered losses, just like an existing home.
What if I have questions about my homeowners insurance?
Insurance can sometimes be confusing, especially when it comes to understanding coverage limits and exclusions. If you live in Annapolis, our team is here to answer your questions and help you feel confident about your homeowners insurance coverage.