Home Insurance in Maryland

Your Maryland home is likely the most expensive asset you will ever own. It is also the place where you live with your family and keep your belongings. Because your home is so important, it is essential that it is protected. The best way to protect your house is to have home insurance. A home insurance policy will cover a few different things that will be essential if disaster strikes.

Damage Coverage

When you have home insurance, it will cover your home if damaged or destroyed due to a fire, severe weather, or falling objects. The insurance would cover the cost to repair the home or to rebuild if it is destroyed.

Additional Structure Coverage

This will cover if any structure that is not attached to the home is damaged or destroyed. This includes storage sheds, unattached garages, and fences.

Theft Coverage

If your home is broken into, your home insurance will cover the cost of anything that is stolen. This is a critical coverage to have, considering everything you own is inside your home. The insurance would cover anything that was stolen, from electronics to jewelry to clothing. If the thief damaged any part of your home to gain access or while inside, that damage would be covered as well.

Liability Coverage

If someone is injured while in your home or on your property, your liability coverage would cover the cost of their medical bills and any other costs associated with the accident.

It will also cover the medical costs of any injuries you or your family members cause when off the property. For example, if you are walking your dog, and it bites a person on the street, your liability insurance could cover it. The same is true if you break or damage something that doesn't belong to you.

Before you move into your new home, it is essential that you purchase a home insurance policy. The professionals at Renee Oliver Insurance Agency in Silver Spring, MD can help. We can help you start a home policy to provide adequate protection. To get your policy started, give us a call or stop by our office in Silver Spring, MD today.