Don't Overpay For Your Baltimore Home Insurance
Did you know, you can easily spend way too much insuring your Baltimore
home -- and still not be properly protected when things go wrong?
It's easy for this to happen because different insurers charge different
rates to protect you. Then they don’t all offer the same level of
protection. And they may insist you pay more out of your own pocket before
their payments kick in.
That's why it makes good sense to call in the Baltimore home insurance
experts at Kirby Insurance Agency.
We've been helping Baltimore, Ellicott City and Abingdon citizens save money and safeguard their homes
for more than 80 years and you can be sure we'll have the best solution
right here for you, right now.
Why Do I Need Home Insurance?
Every year, one in every 20 insured homeowners makes a claim to cover the
costs of accidental damage, theft or lawsuits arising from their property.
Sometimes, these claims run into tens or even hundreds of thousands of
dollars. Those who suffer the same misfortune but don’t have insurance have
to find and pay these costs themselves.
You can't afford to take that risk.
Home Insurance Explained
What does home insurance really cover? It protects you against
the costs of the most common risks you face in and on your property.
- Damage caused by fire, windstorms (including hurricanes), theft and even
vandalism -- from the smallest breakage to the complete loss of your home.
Protection is based on the value of your home and contents and local costs
of rebuilding here in Baltimore. So, you need an expert to help you
calculate these numbers.
- Temporary accommodation costs if you can't live in your house while it's
being fixed or rebuilt. This even extends to making up lost income if you
normally rent out part of your home.
- Home insurance liability coverage. A lot of people don’t realize they're
responsible for damage and injuries caused to visitors, neighbors and their
property if they're held to blame. This can lead to lawsuits and expensive
defense and settlement costs. Even if it's not your fault, you may still be
liable for medical costs for someone injured in your home. Your home
insurance liability coverage protects you.
- Special coverage for jewelry and high-value collections such as wine and
As part of your home insurance personal property protection, many standard
policies also cover your possessions when you take them out of your home --
like when traveling on vacation.
What Doesn’t Home Insurance Cover?
It's just as important to know what standard home insurance doesn't cover,
and what optional extra protection you can buy.
Again, your Maryland home insurance experts have the answer.
For instance, a basic policy is unlikely to cover against floods -- but you
can buy that protection as an extra.
Standard coverage is also capped to a maximum sum it will pay out. But in
Baltimore, Kirby Insurance Agency can secure what's known as Umbrella Insurance, which raises those limits and provides
extra protection -- for instance the cost of rectifying sewer back-ups.
Increasingly, these days, we're seeing the need for protection against
identity theft and unauthorized use of credit cards, which, again, can be
built into your Baltimore home insurance protection.
How Will Kirby Insurance Agency Help Me?
There's a lot more to home insurance in Baltimore than you might think.
Kirby's experts will help identify what you do and don’t need.
Then we'll get the best coverage deal. We can do this because we're not
tied to one insurer. We work with several leading, reputable companies --
and can often negotiate valuable discounts to save you even more.
What's more, we continuously monitor both insurance rates and property
values to make sure our clients are always properly protected.
We're here to answer your questions. And if you need to make a claim, we
can help with that too.
Contact Kirby Insurance Agency right now. Here's why:
- We'll answer your home insurance questions, quickly and clearly.
- We'll give you a fast quote for your coverage needs.
- You're not making any commitment or under any obligation to work with us.
- It won’t cost you a cent to get the information you need.
Contact us today at 1-800-371-6439 or fill out the form on this page for your free home insurance quote!
Ask us about bundling your auto insurance with your home owner insurance for discounts on both!
* Source: Insurance Information Institute