Maryland Homeowners Insurance Quote, MD Home Insurance Quote

Maryland Homeowners/Home Insurance

Watson & Watson Insurance Agency - Your Maryland Home Insurance Agents

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Your home will be one of the most significant investments you will ever make, both economically and emotionally. Your family will spend countless hours there, among some of your most prized possessions. In the event of any misfortune, let us give you the peace of mind knowing that you are well protected with a Maryland Home Insurance policy.

Maryland Homeowners Insurance - The Structure


You need enough insurance to cover the cost of rebuilding your home at current construction costs. Don't include the cost of the land. And don't base your rebuilding costs on the price you paid for your home. The cost of rebuilding could be more or less than the price you paid or could sell it for today.

Some banks require you to buy Maryland homeowners insurance to cover the amount of your mortgage. If the limit of your home insurance policy is based on your mortgage, make sure it's enough to cover the cost of rebuilding. (If your mortgage is paid off, don't cancel your homeowners policy. Maryland Homeowners insurance protects your investment in your home.)

For a quick estimate of the amount of insurance you need, multiply the total square footage of your home by local building costs per square foot. To find out construction costs in your community, call your local real estate agent, builders association or insurance agent.

Factors that will determine the cost of rebuilding your home:

 

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