Are there any Additional Coverages I should know about being a New Homeowner in Laurel, Maryland?

When you’re a brand new Laurel, Maryland homeowner, you might be at a little bit of a loss when it comes to what kinds of coverage you really need. That’s understandable, but we can help you get the right insurance policy. As an independent agent, we work with a lot of different companies. That’s good news for you, because it provides you with options that you wouldn’t have if you just picked one company, got a quote, and purchased a policy. It’s not just about money, either. It’s about choices and getting value for your dollar.

You might also need more than just a traditional home policy, depending on where in Laurel or the surrounding areas you live. Even though Maryland is far up the East Coast, it’s not immune to problems like hurricanes. There are also flooding concerns, and the possibility of severe winter storms. Talk to us about these issues, and let us take a look at the exact location of your home. We can advise you as to whether you’re going to need something beyond the standard coverage, or whether it’s not required but would be recommended.

If you have a mortgage on your new home, your mortgage company will let you know what kind of coverage (and in what amounts) you need. Of course, you can always purchase more than the minimum if you feel like you need more protection from perils. That’s the value of talking to an independent agent. You’ll get more information about your options and you’ll be able to see how one company compares to others. It may be possible for you to get a lot more insurance than you expected to be able to afford. That’s always good news when it comes to your budget and to protecting your valuable property.