Property owners have many different kinds of property and casualty insurance to choose from. The value of a competent insurance professional is priceless.
In terms of risks covered, there are two subcategories: named peril and all peril. Named-peril policies specify risks covered and exclude everything else. All-peril policies specify risks not covered buy include everything else.
It is important to understand what your homeowners policy covers, and what it doesn't. It's worth the time to sit down with a licensed agent at the Rich Reilly Insurance Agency to design a policy that fits your unique situation. Let's face it, everyone has different needs when it comes to insurance. Do you have a valuable coin collection or antique furniture? Are these items covered adequately? Don't assume that these items are covered...KNOW SO.
Homeowners Insurance in Crofton Maryland
In most cases, your home and belongings are your most valuable assets. Not having sufficient coverage at the time of a loss can be catastrophic. Let us review this crucial protection with you. There should never be a doubt that you're fully covered.
Protect Against These Perils
- Fire and Lighting
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism and Malicious Mischief
- Units
- Theft at Residence
- Falling Object
- Weight of Ice or Snow
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Accidental Cracking or Bursting of Hot Water Heating Units
- Glass Breakage
- Structural Collapse
- Damage by Freezing
We offer a Combination of Quality Coverages and Services To Fit Your Special Needs
- Water Damage
- Chemical Spills
- Scorched Surfaces
- Glass Breakage
- Damage To Walls
- Interior Damage by Melting Ice and Frozen Snow
- Damage to Floor from Paint Spills
- Chipping of Sink or Tile
- Damage to Underground Pipe from Excavating
- Damage to trees
- Pays to replace locks when keys are stolen
- Loss of use
- Consequential loss
- Pets on premises
- Credit card forgery Inflation Protection
- Reasonable repairs
- Replacement Cost Content
- Guaranteed Replacement Cost on Building
Additional Coverages Available (for high-valued personal property)
- Jewelry, Watches and Furs
- Guns
- Tools
- Cameras/Camcorder
- Silverware/Gold ware/Pewter ware
- Securities/Deeds
- Money/Coins/Gold
- Computers
- Business Property on Premises
For more information about our homeowners insurance products and services in Crofton Maryland, please email or call us at 301-262-8600. You can also get a quote now by completing our online form.