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Maryland homeowners often face the problem of dealing with weather-related damages to their home and property. But… which insurance policies cover these damages? How can you be sure that you are covered against unforseeable storms or natural disasters?
Different insurance policies actually cover different types of weather. When you’re looking for a policy in Laurel, Maryland, it’s best to talk to an independent agent about the many options available. Here’s a quick overview to help you understand your coverage in case of weather-related damage.
Auto Insurance
If your car is damaged by hail, winds, or other weather, it will be covered–if you have a comprehensive policy. The term "comprehensive" means your vehicle is covered for damages it sustains in accidents or weather events; minimum coverage policies usually just provide liability coverage for damages you cause to other vehicles.
Homeowner’s Insurance
- Flood Damage: Most homeowner’s insurance policies do NOT cover flood damage. You need to purchase a separate type of coverage if you want your property to be covered in case of a flood. You don’t have to live near a lake or river to be at risk for a flood, though some areas are more prone to flooding than others. Talk to an agent about the best kind of insurance to purchase for your home’s location.
- Tornado Damage: Because tornadoes are considered "wind storms" under most homeowner’s policies, damages caused by this type of storm are generally covered. They may, however, be subject to a different deductible than other types of storms.
- Fire Damage: Most homeowner’s policies cover fire damage, but it’s important to check with your agent before a disaster happens to make sure you have sufficient coverage to cover your belongings within the walls of your home. Keeping a home inventory is tedius but can be invaluable in case of emergency; it speeds the insurance claims process and could elminate significant confusion in the future.
These are general guidelines about damages that Maryland insurance policies cover, but the most accurate information will come from your own agent about your specific policy.