Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Homeowners Insurance for Annapolis and all Maryland Residents
Though small, Maryland is densely populated. It is home to more than 6 million people, many of whom live in the Baltimore area and the suburbs of Washington, DC and Wilmington, DE. Property can get expensive fast, and the state’s median home value is around $300,000. To protect that investment, home buyers will need homeowners insurance that adequately reflects their property’s value.
Homeowners insurance is one of the keys to long-term financial security. It can help you cover the costs of a variety of household damages, hazards or accidents without a large financial strain. Deale & Associates Insurance Agency can help you research and enroll in coverage with ease, no matter whether you are a new or seasoned owner.
Getting Covered With Us
Homes are not cookie cutters, and you’ll need to structure your homeowners insurance so that it offers the best variety of coverage for you. Deal & Associates Insurance Agency offers policies from nationally recognized insurers, and each can offer optimized, flexible protection that will always be affordable.
If you are ready to start the search for your policy, then just give us a call at (410) 267-5601. Or you can get an online quote by clicking here.
Common Homeowners Insurance Questions
Homeowners insurance helps you receive financial assistance in case of an unexpected or unavoidable hazard in your home. By paying for most or all your damage costs, your policy can help you minimize your own cost burden from these hazards.
Most homeowners policies offer several types of coverage:
Structure Insurance: Use this coverage to rebuild or repair the home after a damaging accident like a fire, severe weather or vandalism. Coverage will usually pay you the home’s replacement cost value (RCV) to repair the home to the way it was before the damage. Choose a coverage limit based at or above the construction costs of the home.
Other Structures Insurance: Property like detached garages, storage sheds or fencing have coverage. Your coverage limit will be a percentage of the total structure insurance.
Possessions Insurance: Coverage will help replace damaged or destroyed possessions. You should choose a limit based on the total value of items you would like to replace. Some policies will only pay cash value, which is an item’s used value, for possessions. However, to cover specialty items you can buy specialty endorsements to add to the policy.
Liability Insurance: If you are at fault for a mistake that harms someone else, like a neighbor, then this coverage can repay them. Coverage will usually pay legal expenses, too.
Loss of Use Insurance: This coverage can pay for certain living expenses if you must temporarily move out after a covered hazard on the property.
Your structure and possessions insurance will include deductibles. Any claim less than the cost of the deductible won’t have coverage. Your agent can help you choose a deductible that is affordable to you.
The average Maryland homeowners insurance rate is $1,200 per year. You will likely have to obtain a policy before you close on a home purchase, since most lenders require you to have coverage.
However, multiple factors can impact your premium, including your home value, the amount of coverage you buy, your credit score, the homes location and your claims history. Most people also qualify for discounts that will still help them keep their coverage affordable, too.
To get home insurance, all you have to do is call your Deale & Associates Insurance agent. Our team of property insurance experts fully understand the many subtleties of today’s homeowners insurance marketplace. We can compare multiple policy options based on your personalized insurance needs and risk profile, and determine which insurer will offer you the most affordable protection.
If your home sustains significant damage from a hazard like a fire, hail or wind, vandalism or a major theft, then always call your agent to report a claim. Policies will not cover normal wear & tear, nor will they cover damage from weather-related floods. Other exclusions might exist. Check your policy documents or call your agent to learn more about when your policy will or won’t be able to help you.