Home Insurance in Maryland

Since your home is one of the most significant financial commitments you will ever make in life, you must protect it at all costs. While installing safety features like CCTV and a perimeter wall is great, you must consider home insurance to safeguard your home against unforeseen risks. Home insurance from Carrie Polk Insurance Inc., serving Waldorf and Prince Frederick, MD, protects your home and even you and your loved ones.

Home insurance coverage options

Shopping for home insurance in Maryland? You are likely to encounter the following home insurance coverage options:

Dwelling coverage: It’s perhaps one of the most common reasons many people buy home insurance. This insurance plan protects your building structure against fire, lightning, hail, and other risks.
Contents coverage: This insurance plan protects your furniture, clothing, electronics, and other assets against perils listed in your policy.
Liability coverage: This insurance policy is a must-have in your home insurance because it protects your finances from expensive liability claims. This insurance policy covers you and your loved ones when accused of causing property damage and bodily injury to others.
Loss of use: If your home is rendered unlivable because of a risk covered in your policy, you don’t have to incur extra costs looking for a temporary shelter. Home insurance pays for additional living expenses until your home becomes habitable again.

Home insurance exclusions

While home insurance can protect you against several risks, it can only do so much in some instances. Typical home insurance won’t cover damage arising from the risks below:

Earthquakes
Floods
Pest and mold infestation
Normal wear and tear
Government actions
Sewer backups
Intentional acts

The good thing is that you can purchase "add-ons" or "riders" to boost your home insurance coverage. If you don’t know what “add-on” you should buy for your home insurance, please consult with your insurance agent.

Protect your home today with home insurance

Considering home insurance in Maryland? Please get in touch with Carrie Polk Insurance Inc. for an affordable insurance quote.

Our Services

Servicing States

Maryland
Washington DC
Virginia
North Carolina

Testimonials

"I have been with Carrie Polk Insurance for years now and they have been nothing short of great. They are always available when i have questions or concerns and they provide clear and helpful responses."

-Sara W.

"Carrie and her agency staff are amazing. They work very efficiently and want to get you answers and results as quickly as possible. I really is a pleasure working with them as they are also very nice and kind people."

-Drew P.

"Carrie has been great over the past couple years. She is always available and willing to take care of things one on one when you have concerns. She is very hands on and it is greatly appreciated."

-Jacob A.

"I have had many different policies with Carrie over the years and she has great knowledge of how to handle all of them. She is always able to answer any questions that we have and always does so enthusiastically and with a smile. I absolutely recommend her."

-Kenneth P.

"Carrie and her staff are such great professionals. Their major goal is to share all the knowledge they can with the client, which as awesome. Carrie is also so nice and polite it makes working with her a joy. I highly recommend her."

-Heidi M.