Our homeowners insurance policies include a range of coverage options designed to meet the specific needs of homeowners in Annapolis, MD, and beyond:

• Liability Coverage: Protects you against claims for bodily injury and property damage that you may cause to others that you may cause to others while driving your collector car. This includes coverage for legal fees and settlements. 

• Dwelling Coverage: Protects the structure of your home, including walls, roof, and foundation, against damage or loss due to fire, theft, vandalism, and other covered losses.

• Personal Property Coverage: Covers your personal belongings, such as furniture, electronics, clothing, and appliances, against damage or theft, both on and off your property.

• Liability Coverage: Protects you against claims for bodily injury and property damage that occur on your property or as a result of your actions. This includes coverage for legal fees and settlements.

• Medical Payments Coverage: Covers medical expenses for guests who are injured on your property, regardless of who is at fault.

• Loss of Use Coverage: Provides additional living expenses if your home becomes uninhabitable due to a covered loss, covering the cost of temporary housing and other living expenses.

• Other Structures Coverage: Covers detached structures on your property, such as garages, sheds, fences, and guest houses.

• Water Backup Coverage: Protects against damage caused by water backup from sewers or drains, ensuring your home is protected against water-related incidents.

• Flood Insurance: Available as an optional add-on policy, this coverage protects against damage from flooding, which is not typically covered by standard homeowners insurance policies.

• Personal Umbrella Insurance: Provides additional liability coverage beyond the limits of your standard homeowners policy, offering extra protection against major claims or lawsuits.