You have to ask yourself…
What would happen if a disaster struck your Hagerstown, MD home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers may put a hold on new clients prior to a forecasted natural disaster or weather event. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Your representative took the time to make sure you have the right protection
Your insurance agency has your back
Ready to get started? Give us a call at 301-733-2530 or compare quotes online!
As an independent agency we have dozens of insurance carriers competing for your coverage. We will compare coverage & quotes to ensure you are getting our best plan.
Our experienced insurance professionals are here to formulate your personal insurance plan and help you understand the insurance programs suited for you.
Our dedicated agents are ready to serve you and can answer any questions you have about your insurance plan.
Accidents happen. We are here to guide you through the claims process when something goes wrong.
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
Two out of Three American Homeowners are Underinsured
And according to Nationwide, about two out of three every American homes are underinsured. The underinsurance amount is typically 22%. This means that millions of people would suffer a major financial loss if their home was destroyed. Americans who find themselves in this predicament may have to pay thousands of dollars out of pocket to cover damages or may not be able to rebuild due to financial constraints.
Are Your Valuables Covered?
Personal inland marine insurance, also known as scheduled personal property, can provide coverage for your personal property that is typically limited under property coverage.
You Need Personal Cyber Insurance
Were you hacked? Again. Cyber attacks are on the rise and they don't attack only businesses. You need personal cyber insurance.
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including: