Homeowners Insurance for Delaware & Maryland Families

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Your home is more than a building—it’s where life happens. Whether you live in Dover, Easton, or a quiet coastal town like Bethany Beach or Ocean City, we’ll help you find homeowners insurance that fits your property, your location, and your peace of mind. At our agency, you won’t get rushed through a quote or pushed into cookie-cutter coverage. Instead, you’ll get clear, personal guidance from someone who knows the area—and knows how to protect what makes your house a home.

Peace of Mind, Right at Home

Coverage That Protects More Than Just Your House

What’s Typically Covered by Homeowners Insurance?

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The Structure of Your Home

Covers damage to the structure of your home caused by things like fire, wind, hail, lightning, or falling objects.

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Personal Belongings

Protects the items inside your home—furniture, electronics, clothing, appliances, and more—if they’re damaged, stolen, or destroyed by a covered loss.

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Liability Protection

Helps cover legal fees or medical bills if someone is injured on your property, or if you accidentally damage someone else’s property.

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Other Structures

Covers things on your property that aren’t attached to your home—like a detached garage, fence, or shed.

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Additional Living Expenses

Pays for temporary living expenses (hotel, meals, etc.) if your home is unlivable due to a covered loss.

Need to customize your policy? We can help with that too.

  • Valuable item coverage (jewelry, antiques, fine art)
  • Backup of sewer and drain
  • Extended replacement cost
  • Home business equipment
  • Secondary home coverage
  • Umbrella liability protection
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Live Near the Water?

You Might Need Extra Coverage.

Many homes in Maryland and Delaware are near the coast, rivers, or flood-prone areas. If that’s you, standard homeowners insurance may not be enough. We understand how local geography affects risk—and we’ll help you fill any coverage gaps with flood insurance, wind endorsements, or custom property protection.

Here’s what you should know:

  • Flood insurance is not included in a standard homeowners policy
  • Windstorm and hurricane deductibles may apply to coastal properties
  • Erosion and saltwater exposure can affect your coverage needs
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Frequently asked questions

Common Questions We Hear

  • Do I need flood insurance if I live near the coast or bay?

    Yes. If your home is in a designated flood zone, your mortgage lender will likely require it. Even if not required, flood insurance can help protect you from major out-of-pocket costs after storms. Standard home policies won’t cover water that enters from the ground up.

  • Can I get coverage for my home and my vacation property under one policy?

    Usually not. Vacation homes, rentals, and secondary residences often require separate policies—but bundling them with the same agency can lead to savings and simpler management.

  • Is there a difference between market value and replacement cost?

    Yes. Market value reflects what your home would sell for. Replacement cost covers what it would cost to rebuild your home from the ground up using current materials and labor rates. We’ll help make sure your home is insured correctly—not under- or over-insured.

  • Can I bundle home and auto insurance?

    Yes—and many of our clients do. Bundling is often one of the easiest ways to save on both policies. We’ll show you your options and make sure the discount is worth it.