Home Insurance in Maryland
There is probably no other investment as valuable as your home. It likely has the highest dollar value of any possession, and it has the most intrinsic value to most people as well. It just makes sense to make sure your home is covered adequately.
The Frederick, MD home insurance agents at Lebherz Insurance Agency write insurance for many homes in the Frederick area in Maryland. We also serve clients in Pennsylvania, Virginia, West Virginia, Delaware and Ohio. It is a big area, as independent insurance agents we can still offer personalized assistance in determining just how much insurance you will need for your home.
Of course you must have enough insurance to cover the loan against your house, but that is just the beginning, and not enough to cover you if there were a catastrophic event like a fire or a tornado. You may want to have replacement cost insurance, which will cover the cost of replacing your house. The replacement cost is always more than the property valuation, which you can cover, but replacement cost is the best coverage there is.
While determining the insurance you need, it is also a good idea to take an inventory of your possessions. Insurance to cover the contents of your home, your personal belongings, is a different policy that the one covering the house itself.
If you are a first time home buyer, we would like to invite you to come visit us and let us help you determine how much insurance you need, both on your house and its contents. You may also visit us online and try out our insurance quote tool, where you can get a good idea of what your insurance will cost. Our agents can take that information and help you determine what would be best. We also invite our current customers to stop by any time to make sure your policy is up to date. Your policy should change as events change in your life that affect your situation.