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Maryland Fire Insurance Quotes

Homeowner's from Baltimore to Waldorf, Maryland can appreciate having affordable home fire insurance. We provide a simple way to compare fire insurance quotes in Maryland by working with insurance companies that specialize in homeowner's insurance. If you are looking to switch insurance carriers or need to get a policy for the first time we can help. Start by entering your zip code above and complete the form to start receiving quotes online today.

The value of property in Maryland can vary widely from county to county. For example if you live in Montgomery county the median home sale price is $744,000 but if you live in Carolina county it is only $256,000. That wide range shows how important having the proper fire insurance dwelling coverage can be. Talk with a local builder to determine the replacement cost of your home so you are not caught off guard if something happens. The dwelling coverage on your fire insurance policy is usually different than the market value of the home so get educated.

Claims experience as a buying decision

If you think about when you actually talk with either your agent or a representative from the insurance company it is usually very little. Most people start their policies and never deal with the company until a claim is required. At this point in time it is when the insurance company shows what they are made of. I believe that your best experience should come from the claims department or otherwise why keep sending your money to them.

Most households will file a home fire insurance claim every 7 years. This is just an industry average so some could have more or less in that same time period. The point is that we usually don't deal with the insurer but once every few years when something bad happens. So if they are easy to collect your money but hard to work with when it comes time to pay out then you need to find another company.

This is a good time to start looking for new insurance companies that offer great claims experience. When you are comparing companies try to see what ratings they have for claims history and customer service. The old saying is true, you get what you pay for!

Fire Insurance Basics

When you look at getting home insurance in Maryland many companies will offer package policies that not only insure against fire but other types of losses. The decision to insure a property for only one or two types of losses can be costly if a disaster occurs that is not insured.

Here is a list of home fire insurance policy types:

HO-1: A bare bones policy that protects against theft and most weather losses like wind and hail.

HO-2: Building on the HO-1 policy this also provides coverage for ice/snow, falling objects and water damage directly related to freezing pipes.

HO-3: A very popular choice for homeowners looking to cover all physical losses expect those excluded on the policy. No personal property would be included.

HO-4: Covers personal property and liability for damage caused to the unit which is usually rented by a landlord.

HO-5: Includes all the features of the HO-3 plus personal property coverage. Any exceptions listed on the policy are excluded.

HO-6: It is the policy designed for condo owners which may include personal property and liability limits.

HO-8: Offers cash value instead of replacement cost and covers similar types of losses as an HO-1.

 

Home Fire Insurance Cities in MD

  • Baltimore
  • Columbia
  • Silver Spring
  • Waldorf
  • Germantown

 

 

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