Homeowners Insurance in Annapolis & Beyond
Protect Your Home and Everything In It
Your home is one of your biggest investments — and protecting it starts with the right insurance coverage. Annapolis homeowners face unique risks, from coastal storms and heavy rain to aging homes and historic properties near the Chesapeake Bay. Homeowners insurance helps safeguard your house, belongings, and financial security when the unexpected happens. Our local team helps you choose coverage that fits your property, lifestyle, and peace of mind.
What Does Home Insurance Cover?
Dwelling Coverage
Protects the structure of your home against covered losses like fire, wind damage, or vandalism. Coverage is designed to help repair or rebuild your home based on its replacement cost.
Personal Property Coverage
Covers your belongings — including furniture, clothing, and electronics — if they’re damaged or stolen. Protection typically applies both inside and outside your home.
Homeowners Liability Coverage
Provides financial protection if someone is injured on your property or if you accidentally damage someone else’s property. This coverage helps pay for legal defense and settlements.
Additional Living Expenses
Helps cover temporary housing, meals, and related costs if your home becomes uninhabitable due to a covered loss. This support can make a stressful situation much easier to manage.
Other Structures
Covers detached structures like garages, sheds, or fences that are not attached to your main home.
What to Expect From Our Team
We take the time to understand your home, location, and coverage priorities before recommending a policy. Whether you own a historic row home in downtown Annapolis or a family house in Edgewater, we tailor coverage to fit your property and budget. As an independent agency, we compare policies from multiple carriers to find the right balance of protection and value. You’ll always receive clear explanations — never pressure or confusion.
Important Home Insurance Considerations
Homeowners insurance protects against many common risks, but not all losses are covered automatically. The table below highlights key coverage considerations for Maryland homeowners.
| Coverage Type | What to Know | Why It Matters |
|---|---|---|
| Replacement Cost | Coverage should reflect the cost to rebuild, not market value | Ensures your home can be fully rebuilt after a loss |
| Deductibles | Higher deductibles can lower premiums | Impacts out-of-pocket costs during a claim |
| Liability Limits | Standard limits may not be enough | Higher limits add peace of mind for lawsuits |
| Flood Risk | Flooding is not covered by standard policies | Primary coverage gaps |
Not sure what coverage fits your home? Our team can help you review your options with confidence.
Common Questions About Homeowners Insurance
How much homeowners insurance do I need?
Coverage should be based on the cost to rebuild your home, not its market value. We help calculate appropriate dwelling, liability, and personal property limits.
Is homeowners insurance required in Maryland?
It’s typically required by mortgage lenders, though not mandated by the state. Even without a mortgage, it’s strongly recommended to protect your investment.
What does home insurance cover in Maryland?
Most policies cover fire, wind damage, theft, liability, and additional living expenses. Coverage details vary by policy and carrier.
Do I need flood insurance in Annapolis?
Standard homeowners insurance does not cover flood damage. Due to proximity to water and heavy rainfall risks, many Annapolis homeowners benefit from separate flood insurance.
Learn more on our Flood Insurance page.
Can I save money by bundling home and auto insurance?
Yes — many clients save by bundling home and auto coverage with the same carrier. We compare bundle options to find the best value.