Purchasing a home is one of the largest financial investments that most people make in their lifetimes. Investing in the proper homeowner’s insurance coverage limits the potential financial burden in the event of disaster, theft, or property damage.

Whether you own or rent your home, condo, or apartment, our homeowner’s insurance solutions offer you comprehensive protection for your property and personal liability. For added protection, we offer policies for insuring valuables, increasing personal liability limits, and flood coverage—to name a few.

Many mortgage companies require homeowners to have an insurance policy before loan approval. While many insurance agencies in Maryland offer home insurance coverage, The Kastendike Insurance Group offers unparalleled customer service and personalized insurance policies to ensure your home is protected.

Why Choose Homeowners Insurance Coverage Through Kastendike Insurance Group?

The professionals at Kastendike Insurance Group will treat you as an individual, not a policy number. Our compassionate agents will sit down with you and determine the right home coverage for your property and situation, including recommendations based upon the value of your home and belongings.

We work with multiple big-name insurers so we can offer money-saving strategies as well as comprehensive coverage.

In some cases, homeowners are eligible for certain discounts based on specific criteria. For instance, discounts can be applied if you:

  • Have an alarm system
  • Install or plan on installing a metal roof
  • Have never filed a property insurance claim
  • Have auto insurance through the same carrier

What Does Homeowners Insurance Cover?

Homeowners’ insurance policies protect your home from damage caused by fires, lightning strikes, windstorms, and hail. Along with these risks, you’ll also have protection against theft and liability.

Here’s a summary of what homeowners insurance policy includes:

Dwelling Protection

Dwelling protection covers damages to your home’s structure, including its foundation, roofing, and walls.

Other Structures Protection

Other structures on your property but separate from your home—fences, sheds, detached garages—will also be protected from certain risks.

Personal Property

As mentioned, homeowners’ insurance covers more than just damage to your home. Personal property protection will limit your financial burden due to replacing expensive items if the unexpected happens. You can even add extended coverage for personal property for higher-dollar items such as expensive jewelry.

Liability Coverage

Liability coverage protects you in the event that a guest gets injured on your property. Instead of requiring you to pay entirely out of pocket for medical bills or legal expenses, bodily injury liability cuts the expense tremendously or all together depending on your level of coverage. Additionally, a personal umbrella policy can provide extended coverage if the amount exceeds your homeowners’ insurance.

Homeowners’ insurance doesn’t cover every type of natural disaster. If needed, Kastendike Insurance Group can discuss additional coverage for instances of earthquake and flood damage.

Factors that Affect Homeowners Insurance Policy Cost

In addition to these types of policies, Kastendike Insurance Group cal also provide the following:

  • Homeowner’s replacement cost
  • Ordinance or law coverage
  • Water and sewer back-Up
  • Sinkhole coverage
  • Loss assessment
  • Loss of use
  • Renters insurance
  • Secondary and seasonal home insurance
  • Dwelling fire (landlord) insurance
  • Vacant home insurance
  • Cyber liability

Discuss Homeowners Insurance Coverage with Kastendike Insurance Group

In partnership with Maury, Donnelly & Parr, Inc., The Kastendike Insurance Group is here to help clients understand homeowners insurance policies and other personal insurance coverage options. Call us today at 443-501-9388.