Your Home Insurance Needs Covered in Abingdon, Aberdeen, Bel Air, or Joppa

Home InsuranceDo you know precisely how much it would cost to rebuild your home in Abingdon, Aberdeen, Bel Air, or Joppa? How about the actual value of your home's contents? Or how much you might have to find if someone was injured while visiting you?

These are big questions. But Kirby insurance Agency can provide the answers -- and that will ensure you get the best solution when you're looking for a great deal on homeowner insurance.

We've been providing home insurance in Maryland for more than 80 years and we can customize a protection plan for you and your home so you get precisely the protection you need.

Do I Need Home Insurance?

Well it's not a legal requirement but, if you have a mortgage, your lender will almost certainly insist on it.

Just as important, though, is that most of us know of someone who's been saved by insurance after a fire, a burglary or other serious damage. Statistically, a homeowner is likely to make a claim once every nine or 10 years*. You need that protection.

If you don’t have insurance, those injury, loss or damage costs would fall directly on you -- and they can be huge, especially if they involve a lawsuit.

What Does Homeowners Insurance Cover?

Kirby's home insurance for Abingdon, Aberdeen, Bel Air, and Joppa is a flexible program that our experts customize to meet the needs of each client.

It includes the following options:

  • Insurance coverage for the structure of your home for damage resulting from things like fire or wind storms. The important point here is that the cost of rebuilding your home is unlikely to be the same as its market value. You need coverage for full rebuilding costs. This type of insurance also covers outbuildings, such as sheds and detached garages, as well as swimming pools, walls and fences.

  • Protection for your personal belongings. Your home likely contains a lot more value than you realize. We'll help you calculate your protection needs for perils like theft, fire and breakage. We can also arrange additional coverage for valuables like jewelry, and collectibles like antiques.

  • Liability protection. If someone is injured in your home of if a neighbor suffers damage or injury as a result of something that happened on your property -- you're usually responsible for the costs. This can include medical costs, loss of earnings, lawsuit defense costs, compensation and more.

  • Additional living expenses (ALE) to cover the cost of temporary accommodation if you have to move out while repairs or rebuilding work goes on.

The list is not exhaustive. Some people have special, additional home insurance needs that we can protect, including flood insurance, earthquake insurance and special top-up protection known as umbrella insurance which kicks in if the limits of your standard policy are breached.

How Can Kirby Insurance Agency Help Me?

When it comes to home owner insurance in Maryland, there's a lot more to know than many people realize. But that doesn’t mean it has to be confusing or expensive.

We work hard to secure some of the best available home insurance for our clients at the most competitive rates.

And we can often also secure discounts if you have more than one policy with the same company, if you have security systems in your home or if you opt to pay a higher deductible -- the amount you pay out of your own pocket before your policy kicks in.

We have offices in Baltimore and Westminster where you can meet our experts face-to-face. For your convenience, we also provide a wealth of insurance resources and can conduct business right here on the web.

We're here not only to provide great protection at a great price but also to answer your questions, help you with claims and keep your policy under review so it's always up to date with both your needs and legal requirements.

Get A Free, No-Obligation Quote Now

No risk, no-cost, no commitment. That's what we offer you when you invite Kirby Insurance Agency to quote for your homeowner insurance needs in Abingdon, Aberdeen, Bel Air, or Joppa.

Contact us directly from this page or pick up the phone and give us a call at our Baltimore office at 410-837-2320 or our Westminster office at 410-840-2922 . We're here for you.