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:
- 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.