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.
These include:
- 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 antiques.
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.
Act Now
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