Get A Quote For Maryland and Pennsylvania Homeowners Insurance
Maryland and Pennsylvania homeowners insurance offers essential protection for your home and belongings against various covered perils. It not only safeguards your assets if you're held liable for someone else's injuries or property damage but also may cover increased living expenses if your home becomes uninhabitable due to a covered loss.
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Maryland & Pennsylvania Homeowners insurance coverage gives you peace of mind
We offer protection for your home and personal property in addition to liability coverage if you're responsible for another person's injury or damage to their property.
Standard Coverages
Dwelling
Dwelling coverage may pay to repair or rebuild your house caused by fire, severe weather, falling trees, ice dams, and other covered perils.
Loss of use
If you're unable to stay in your home during repairs due to a covered loss, additional living expenses (part of your loss of use coverage) may pay for additional living expenses above what you'd typically pay, up to your policy's limits.
Liability
Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. Additional coverages may be available to purchase for libel, slander, and other lawsuits. If you need more than a $500,000 liability limit, a separate umbrella policy may provide additional coverage.
Personal property
Personal property coverage helps pay to repair or replace furniture, clothes, electronics, tools, and other belongings if they're destroyed in a covered loss. For more expensive items, such as jewelry, art and collectibles, you may need to "schedule" the item, also known as adding an insurance rider to your homeowners insurance policy.
Common questions about homeowners insurance
What does home insurance protect against?
Standard home insurance policies cover a variety of situations, including the following examples, up to your coverage limits and minus any deductible:
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A windstorm causes damage to your roof. Dwelling coverage may pay to repair it.
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Your home is burglarized. Personal property coverage may pay to replace stolen or damaged items.
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A fire burns down your detached garage. Other structures coverage may pay to rebuild it.
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A guest slips on your kitchen floor and breaks their wrist. Medical payments coverage may provide some coverage for their medical bills.
Will homeowners insurance cover a rental property?
If you rent out a house to tenants or if your rental property is unoccupied, you'll need a dwelling policy rather than a homeowners policy to cover your rental home. A dwelling insurance policy for a landlord may also cover the other structures on the property, theft of belongings, vandalism, loss of rent, and liability.
Does home insurance cover flooding?
Home insurance policies generally won't cover flooding. If you live in an area prone to flooding, a flood insurance policy may help protect against damage to your home and personal belongings.
Is home insurance required?
While homeowners insurance, sometimes referred to as house insurance, isn't mandated by law in any state, your mortgage company will typically require you to show proof of a policy before they'll fund your home loan or equity line of credit.