Home Insurance
Looking to protect your property investment?
Find an affordable insurance policy
Weather can be unpredictable. If a severe storm takes a toll on your home, you'll be able to afford the necessary repairs.
We provide unbeatable coverage options for homeowners. If a damaging event occurs, you can count on our specialist to be your single point of contact and make sure your claims process is as easy and stress-free as possible.
Make sure you're covered for every emergency
When the unexpected happens, you'll be prepared to deal with it. A home insurance plan from our agency will keep you from losing everything when disaster strikes.
What We Cover
- Homeowners
- Condominium
- Renters
- Landlord & Rental Property
- Personal Umbrella
FAQ
Frequently Asked Questions
Does homeowners insurance cover flood damage?
No. Flood is specifically excluded from every standard homeowners policy. To be covered for flooding you need a separate flood policy, either through the National Flood Insurance Program (NFIP) or a private flood carrier.
How much home insurance do I need?
Enough to fully rebuild your home at current construction costs — not what you paid for it or what it's worth on the market. Construction costs have climbed sharply in recent years, and underinsured homes are one of the most common surprises after a loss. We review replacement cost annually to keep your coverage in step.
What's NOT covered by a standard home policy?
Flood, earthquake, routine wear and tear, pest damage, mold from long-term leaks, and business activity run out of the home are the most common exclusions. Some of these can be added with an endorsement or a separate policy.
How does the claims process work?
Call us first, before you call the carrier. We help document the damage, file the claim, and advocate for you if the carrier's initial offer doesn't match what you're owed. For most clients, having a local agent in the loop means faster, cleaner claims.
Do you cover condos, rentals, and landlord-owned properties?
Yes. We write condominium policies (which cover what your HOA's master policy doesn't), renters insurance for tenants, and landlord policies for rental-property owners. We can also add a personal umbrella policy on top of your home and auto coverage for an extra layer of liability protection.
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Tell us about you — we'll take it from there.
Trusted by hundreds of local Maryland homeowners