14 West Saratoga Street
Get your free home insurance quote from Kirby Insurance Agency. Call our Baltimore office at 410-837-2320 or our Westminster office at 410-840-2922 for more information.
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.
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.
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.
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.
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:
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