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Although Maryland is not typically thought of as a state that’s subject to severe natural disasters, they are actually not as uncommon as you may expect. Blizzards have been known to dump upwards of 4 feet of snow in Laurel, Maryland in just one week, and in 2011, the state saw Hurricane Irene and a large earthquake hit the area within a week of each other. Having the right homeowners policy for your home will ensure that you have the insurance coverage you need to pay for natural disaster damage that occurs.
A general homeowners insurance policy will cover many types of natural disaster damage. Fire, lighting, hailstorms, and windstorms (including tornadoes) are all included in even the most basic policy. You can also purchase a policy that expands to include damage from snow, ice, and sleet as well. Ask your insurance agent about what is and is not covered in the home insurance policy you are looking at purchasing for your Laurel, Maryland home. It’s very important that you understand the extent of your insurance coverage so you are adequately protected.
The main type of coverage you should consider adding to your basic homeowners insurance policy is flood insurance. This is issued through the National Flood Insurance Program and covers a wide range of damage due to natural disasters that involve flooding. Some common disasters include hurricanes, heavy rain, tidal waves, rising waters, melting snow, and runoff of surface waters. If your home is in a floodplain, your mortgage company may require you to purchase flood insurance. Otherwise, it is up to you whether you want to add this coverage. Your insurance agent can get quotes and purchase the insurance for you through the National Flood Insurance Program.