Princess Anne Office

30386 Mt. Vernon Road

Princess Anne, MD 21853

Housing is Expensive, Insuring it Shouldn't Be

Why Do You Have Home Insurance?

Why Do You Have Home Insurance?

As a homeowner, you want to protect your home at all costs. But no matter how much you plan ahead, there are some things you simply can’t prepare for—like the tree in your front yard getting broken under the crushing weight of yesterday's snowfall and crushing your roof on the way down.

It happens! And that’s what homeowner’s insurance is there for: to help protect you from almost anything life might throw your way.

When you see an independent insurance agent like Landmark Insurance and Financial Group, you have the chance to explore all your options for insurance, and protect the things that are most important to you.


What your Home Insurance Covers:

Home insurance covers the hazards that most homeowners face, such as:

  • Fire
  • Theft
  • Storm damage
  • Lightning
  • Hail
  • Accidents on your property

Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.

When a loss occurs, you will file a claim with your insurance carrier and will be paid for the expenses, minus your deductible.

Why Review your Home Insurance Every Year?

Save Money By Comparing Rates

Save Money By Comparing Rates

You May Not Have Enough Coverage

You May Not Have Enough Coverage

You Could Qualify for New Discounts

You Could Qualify for New Discounts

Little Known Facts About Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of, including:

  • IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
  • Most policies will not cover sewer back-up unless you purchase a special endorsement—it’s not expensive, but you won’t get it if you don’t ask for it.
  • A standard Homeowners policy typically does not include Flood Insurance.
  • A standard homeowner policy only covers jewelry up to set limits unless scheduled with an appraisal. 
  • Like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.

Home Inventory Checklists

Why create a home inventory checklist?
Though your homeowners insurance policy provides the protection that you need in the event of a loss such as a fire or burglary, your policy can only pay for items that you can document. In order to assure that all your prize possessions will be replaced, you should conduct a home inventory so you have a finite record of everything that you own. This inventory will assist you in determining which items were destroyed or stolen
.



Not Sure if You Are Covered?  

Talking with an insurance Agent from Landmark Insurance & Financial Group can take the mystery out of homeowner’s insurance. We'll help you understand what’s covered and what isn’t while making sure you have all the coverage you need to protect your home.

Plus, working with an independent agent may help you save money on homeowner’s insurance. That’s because we are an Independent Agency and can "shop" around for rates from dozens of different companies and find the best deal for you! Call now, or CLICK HERE to make an appointment online!