Home Insurance

‘Protect This House’

It’s not just the Baltimore Ravens motto, it is every homeowners concern.

If fire, water damage, theft or structural failure occurs, you can have the peace of mind to know that our local agency has you covered with the proper insurance to handle your loss, less any deductible on your policy.

Similarly, having your investment protected with liability insurance should someone get injured or fall in your home or on your property, covers you against lawsuits that could arise from these events.

There are certainly some instances or disasters for which you know you’d want to be covered. And a standard policy may cover them all, but many homeowners find that when some losses happen, they may be liable to pay out-of-pocket instead. That’s a rude awakening that we can help you avoid.

Homowners insurance is for anyone with a frame house, condo, townhouse, manufactured home, mobile home on land,  second home, rental home or a vacation property.

Home Insurance Considerations

Our local Harford County agents will review all the policy options (riders) that are available and prudent for you to add to your coverage. If any of these happen, you’ll be glad you received wise counsel, and aren’t shouldering a loss alone. They include:

• Flood damage from surface water, or underground water (may require a special endorsement)
• Wind damage, lightning and hail
• Specialiability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)
• Sinkhole damage
• Sewer or septic backups (may require a special endorsement)
• Replacement cost for personal property (not just actual current value)
• Umbrella liability insurance

When reviewing your lifestyle and your special circumstances, your agent add whatever riders that make sure you’re protected if you have a manufactured home, a swimming pool or trampoline on your property, valuable jewelry above your normal policy limits, or if you have pets that could harm someone (a dog that could bite a visitor–standard liability may not cover this).

Many of the above riders and endorsements are not expensive, and of course, when you combine home and auto (and other) policies together, you get more savings.

We are your neighbors and never want to see you suffer when a situation arises that could cause you loss. Our 5-star rated Harford County insurance team is here to make your decisions and your premiums easier to handle.