In MD? Protect Your Biggest Investment with Smart Homeowners Insurance
Buy Maryland Homeowners Insurance with Insurance Brokers of Maryland
We’re Independent, Experienced – and Ready To Find the Right Homeowners Insurance Policy for You
Welcome to Insurance Brokers of Maryland, an independent insurance brokerage with offices in Frederick MD, Emmitsburg MD, and Hagerstown MD to serve the entire Old Line State.
Over the years we’ve assisted Marylanders across the state as they protect their biggest investment – their home – from financial catastrophe. We work with a variety of homeowners insurance companies to find the best policy for our client’s situation, and we’re with you every step of the way as you make this important decision.
There are a lot of moving parts to homeowners insurance in Maryland, from maximum coverage limits to optional coverage riders. Insurance Brokers of Maryland simplifies the process, educating our clients about what’s typically covered, what more could be covered, and what ways they can save money on their annual premium without sacrificing protection. Our sole goal is to ensure that you get the coverage you must have while paying no more than you should.
Make sure ‘Home Sweet Home’ stays that way with a smart, well-designed, affordable homeowners insurance policy. Start protecting your property and your mortgage with Insurance Brokers of Maryland.
What Does Homeowners Insurance in Maryland Cover?
No Two Policies Are Exactly Alike. Make Sure Your Policy Covers What You Need It To
In short, homeowners insurance in Maryland protects you, the homeowner, from a covered loss such as damage due to fire, hail, lightning, snow and ice, and other calamities.
However, it’s up to you as the responsible homeowner to understand exactly what your policy covers – and what it doesn’t.
The cornerstone of most homeowners insurance policies is dwelling coverage. In fact, dwelling coverage is what many people think of when they think of home insurance. Dwelling coverage provides money to pay for repairs, replacements, and rebuilds necessitated by damage to (or destruction of) parts of your home’s structure, including attached garages and decks. You’ll definitely want to make sure you have sufficient coverage of your dwelling, so that you can afford the replacement cost if there’s ever any property damage to your Maryland home.
Many homeowners insurance policies feature optional riders which offer extra protection for your personal property, such as your family’s personal belongings. If there’s ever a theft or burglary of your home, you’ll be glad that your home insurance policy is there to provide much-needed compensation for the covered losses of your valuable items.
In addition – and this is especially important – a homeowners insurance policy typically covers medical expenses in the event of an injury occurring on your property. Let’s say someone is delivering a package to your front door, and they trip over a protruding step. Technically, you’re liable for that injury – so it’s a smart idea to have adequate liability coverage as part of your homeowners policy.
Talk with the experienced agents at Insurance Brokers of Maryland about what your particular, tailor-made homeowners policy covers – and what it doesn’t. We’ll make sure you get the protection you need from a highly respected home insurance company . . . and we’ll make sure you have the additional coverage necessary to provide you with the absolute utmost in peace-of-mind.
What Does Homeowners Insurance in Maryland Not Cover?
Natural Disasters, Water Damage, Termites, Mold, and Normal Wear-and-Tear, Among Other Things
There are actually quite a few types of occurrences that aren’t covered by most homeowners insurance policies – and you should be aware of which occurrences fall outside the scope of your particular policy.
For example, many people don’t realize that a standard homeowners insurance policy doesn’t cover damage from flooding, earthquakes, and certain other natural disasters. If you live in eastern Maryland near the Chesapeake Bay and are struck with a flood, you’d be wise to have purchased flood insurance coverage from the government-run National Flood Insurance Program. If you reside in the Allegheny Mountains of western Maryland and are the victim of a landslide, unfortunately most likely your home insurance will not cover it.
Same with maladies such as rot due to mold, infestations of termites and other pests, and damage caused by a water backup or sump pump overflow. Plus, the normal degradation of your home – as would occur with any structure, given enough time – isn’t covered either.
Looking to protect your assets against those other kinds of losses? Talk with Insurance Brokers of Maryland. We can find additional coverage options outside of your homeowners insurance policy – such as earthquake insurance or identity theft protection – that’ll have you sleeping better at night.
With an Independent Insurance Brokerage, the Client Always Wins
Because We’re Not Tied to One Company, We Can Find the Best Homeowners Insurance in Maryland
Imagine walking into a grocery store and seeing just one type of bread for sale. Would you settle for plain white as your only option? Or would you seek out another supermarket that offers a wider selection of breads, so you can find the one you really want?
Obviously, that’s a no-brainer. You go with the place that has the best variety – because that’s where you’re more likely to find what you’re looking for.
It’s the same with insurance. Sure, you could walk into a State Farm or Liberty Mutual office and buy insurance from a captive agent who’s only able to sell policies from a single home insurance carrier . . . or you can talk with Insurance Brokers of Maryland and let us do the shopping for you, gathering a bunch of quotes from dozens of top-rated providers in order to show you a side-by-side comparison of homeowners insurance policies, so at the end you know you’re selecting the right policy for you.
We’re proud of our independent status at Insurance Brokers of Maryland. It allows us to truly do what’s best for each of our clients without worrying about meeting a quota or pushing policies you don’t need. Take advantage of our independence – and save plenty of time and money.
A Family-Run Insurance Agency
For Decades, We’ve Treated Our Clients Like One of Our Own
Maybe you could say we’re a bit old-fashioned. But we believe in the idea that families look out for each other and protect each other . . . and that’s precisely what we do.
Insurance Brokers of Maryland has always been a family-run agency. No, we’re not all related (some of us are), but all of us are deeply connected to the ideal that insurance is a people business, and we’re here to serve the people of Maryland, giving them the protection they need from property damage and liability coverage. Our success is your success, and we’re satisfied when you are.
Think of Insurance Brokers of Maryland as your family members in the insurance business. You’ll see that family connection evident in our customer service, our advantageous independence, and our extra-mile mentality that sets us above other insurance agencies in Maryland.
Licensed Agency for Homeowners Insurance Throughout Maryland
From Ocean City to Oakland and Waldorf to Westminster, We Got You Covered
We’re based in Central Maryland, so we’re centrally located to serve all Marylanders across the state. Many of our clients live in Frederick or Washington or Carroll counties, but we provide home insurance services to homeowners in Baltimore County, Queen Anne’s County, Garrett County, and everywhere else from the Eastern Shore to the Western Panhandle.
Location matters. Your homeowners insurance policy premium may vary depending on where your house is located, so it’s prudent to work with an agency that intimately knows the variable nature of insurance coverage – and knows how to find the best (sometimes – but not always – that’s the cheapest) homeowners insurance policy available in your area.
Whether you own a single-family home in Towson, a farm house in Easton, or a townhome in Cumberland, Insurance Brokers of Maryland is the key to a great homeowners insurance policy that’ll really be there when you actually need it.
Put Us on Your Home Team
Contact Insurance Brokers of Maryland for Free Homeowners Insurance Quotes
Whether you’re a first-time homeowner, a residential real estate investor, or moving up to a bigger place (or downsizing to a smaller one), you’ll need an intelligently chosen homeowners policy – so you’ll need to talk to Insurance Brokers of Maryland.
We’re easy to reach:
- Call us at our Frederick MD office at 301-668-2233
- Find us on Facebook @InsuranceBrokersOfMD
- Tweet us on Twitter @Insurance_MD
- Visit our Frederick MD office at 182 Thomas Johnson Drive, Suite 202
- Visit our Emmitsburg MD office at 600 East Main Street
Wherever your home is in the great state of Maryland, we’re here for you. When you need Maryland home insurance, all you have to do is contact one of our local agents. They know the right questions to ask in order to put you in a smart homeowners insurance policy that’ll protect your most valuable asset . . . at homeowners insurance premiums that won’t break the bank.
Independent, experienced, and highly rated. That’s what you get when you go to Insurance Brokers of Maryland for your homeowners insurance in Maryland.
