Home
We want you to be covered in every part, and at every stage of your life. That’s why we offer a complete line of insurance products. We’ll work closely with you to tailor a policy or group of policies to fit your needs, your goals, and your budget. In fact, you may be eligible for discounts when you combine other policies with your home insurance.
We’re also committed to making sure you understand your policy. We explain your coverage completely, and simply, so you know exactly what you’re getting and what it protects. It’s just another way we can help make your life less complicated.
We can protect you against:
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke Damage
- Vandalism and Malicious Mischief
- Theft On or Off Premises
- Falling Objects
- Weight of Ice or Snow
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Freezing
We can also include:
- Personal Liability Coverage that protects you and your spouse, any relatives living with you, and anyone under age 21 in your care.
- Protection against claims you’re legally obligated to pay – bodily injury, sickness, disease and death of others
- Paying the cost of defending a claim against you
- Damage to property of others
- Medical expenses of others
- Accidental death benefits
*Coverages subject to underwriting guidelines and approval and may not be available in all states.
Home Insurance FAQs
Why is homeowners insurance a good investment?
Your home is likely one of your most valuable assets, and homeowners insurance helps protect it from unexpected covered losses. It can also provide liability protection and help cover temporary living expenses after a covered claim. If you’re looking for homeowners insurance in Salisbury or North Bethesda, Maryland, or Harrington and all of Delaware, our team can help you find coverage that fits your needs.
Does homeowners insurance cover accidental fires?
Most homeowners insurance policies cover accidental fire damage to your home and personal belongings. If a covered fire makes your home uninhabitable, your policy may also help pay for temporary living expenses while repairs are being completed.
Can I have too much homeowners insurance?
It’s possible to purchase more coverage than you need, just as it’s possible to have too little. The goal is to have enough coverage to rebuild your home and protect your belongings without paying for unnecessary coverage. Our insurance professionals can help you determine the right amount.
Does homeowners insurance cover my furniture and clothing?
Most homeowners insurance policies include personal property coverage for belongings like furniture, clothing, electronics, and household items if they’re damaged by a covered loss. Coverage limits and deductibles will vary by policy.
What should I do if I have questions about my policy?
If you’re unsure about what your homeowners insurance covers, contact us! Understanding your policy before you need it can help prevent surprises during a claim. If you’re in Maryland or Delaware, we’re happy to answer your questions and review your coverage with you.
Does homeowners insurance cover my home year-round?
Yes. As long as your policy remains active and your premiums are paid, your homeowners insurance provides protection throughout the year for covered losses. It’s still important to review your policy periodically to make sure it keeps up with your needs.
Can homeowners insurance help after a major storm?
If your home is damaged by a covered storm, your homeowners insurance may help pay for repairs to your home and replacement of covered belongings. Depending on your policy, it may also help cover temporary living expenses if your home can’t be occupied during repairs. For our coastal areas along the Chesapeake Bay, Ocean City, Rehoboth Beach or Bethany Beach, where storms can bring more flooding, an additional flood insurance policy would be beneficial. Contact us to add this policy.
How often should I meet with my insurance agent?
It’s a good idea to review your homeowners insurance at least once a year or anytime you experience a major life change, such as completing renovations or purchasing valuable belongings. Homeowners in Maryland and Delaware can also benefit from reviewing their policy when local building costs increase.
Does homeowners insurance cover attached structures?
Yes. Attached structures, such as an attached garage, deck, or porch, are generally covered as part of your home’s dwelling coverage if they’re damaged by a covered peril. Be sure to review your policy to understand your coverage limits.
What's the best way to find the right homeowners insurance?
The best homeowners insurance policy is one that provides the protection you need at a price that fits your budget. Comparing coverage, deductibles, and available discounts can help you make an informed decision. If you’re shopping for homeowners insurance in Maryland or Delaware, our agency is here to help you compare your options.
How much does homeowners insurance cost in Bethesda, MD?
Home insurance costs in Bethesda can vary based on factors like your home value, and coverage limits. Because Bethesda has higher property values than many surrounding areas, homeowners insurance may be higher than average, but we help you find competitive options.