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Insurance policies do differ depending on the carrier and the level of protection you choose. However, the plan for your property and home in Maryland will most likely have some common items and situations that are not covered. You can choose to add separate insurance or riders for the additional protections.
Property Exclusions
Certain items on your property may be excluded in a regular home insurance policy. These items include trampolines, tree houses and large swimming pools. The concern for the company is not so much the cost of the item, but the liability for injuries. You should consider an umbrella policy for liability protection.
While your personal property is covered against normal perils, most policies have a dollar limit on the coverage. High value items including expensive jewelry, fine art and coin or stamp collections require additional insurance.
If you rent out a room in your home, the renter’s possessions are not covered. If you are running a business from your home, your inventory may not be protected. If your business is conducted in a separate structure on your property, it will not be covered. While separate structures, like garages or sheds are protected, business use changes the category.
Events
Floods and earthquakes are two of the perils that are not covered understand standard homeowner’s insurance. If your car is broken into and damaged on your property, the damage may or may not be covered. However, most home policies will cover personal possession inside the vehicle.
Please contact us with any questions regarding your homeowner’s insurance. We will be glad to help you understand what is covered and what is not. You do not need surprises and do not want to get caught without enough coverage. You can also compare quotes online to select the best insurance plan for your unique needs.