Homeowners Insurance in Derwood, MD
With any major investment like a home, there’s always some risk involved. Health Insurance Specialists offers homeowners insurance to help Maryland residents manage costs associated with such perils.
What Is Homeowners Insurance? 
Homeowners insurance can help with expenses related to homeownership, such as if your home suddenly encounters damage. A standard policy typically includes:
- Dwelling coverage may help pay for damage to your home’s structure caused by fire, wind, vandalism or other similar risks.
- Personal property coverage may reimburse you for damage to your belongings, such as your furniture, electronics and clothing.
- Liability coverage may assist with legal and medical costs if someone is injured on your property or if you damage their possessions.
- Loss-of-use coverage can help with temporary housing and living expenses if your home can’t be lived in after a covered event.
Home insurance doesn’t cover all situations by default. Depending on your needs, you may also want to consider options like:
- Flood insurance
- Windstorm endorsements
- Earthquake insurance
- Scheduled item riders
- Umbrella liability insurance
How Much Does It Cost?
Your rates may be influenced by:
- The age and condition of your home
- Its location
- The value of your belongings
- Your chosen coverage limits and deductibles
Why Do Homeowners Need Coverage?
Maryland’s weather and local risks make it important to have a homeowners policy that fits your needs. The right policy can help meet a mortgage lender’s requirements and your personal coverage requirements for peace of mind.
Get Started Today
With Health Insurance Specialists, you can request an instant insurance quote online to begin exploring options that fit your home. Contact us today to learn more.