Serving The Salisbury MD & Harrington DE Area
Preserving your property in times of peril is important to us. We offer the right coverage for your individual needs and follow up with exceptional claims service to restore your property as quickly as possible. Our programs include, but are not limited to, Homeowners, Condo, Mobile Homes, Renters, and Flood Insurance. Call and speak with one of our experienced agents for more information.
We provide the following types of coverage:
We want you to be covered in every part, and at every stage of your life. That’s why we offer a complete line of insurance products. We’ll work closely with you to tailor a policy or group of policies to fit your needs, your goals, and your budget. In fact, you may be eligible for discounts when you combine other policies with your home insurance.
We’re also committed to making sure you understand your policy. We explain your coverage completely, and simply, so you know exactly what you’re getting and what it protects. It’s just another way we can help make your life less complicated.
We can protect you against:
- Fire and Lightning
- Windstorm and Hail
- Riot and Civil Commotion
- Smoke Damage
- Vandalism and Malicious Mischief
- Theft On or Off Premises
- Falling Objects
- Weight of Ice or Snow
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Freezing
We can also include:
- Personal Liability Coverage that protects you and your spouse, any relatives living with you, and anyone under age 21 in your care.
- Protection against claims you’re legally obligated to pay – bodily injury, sickness, disease and death of others
- Paying the cost of defending a claim against you
- Damage to property of others
- Medical expenses of others
- Accidental death benefits
*Coverages subject to underwriting guidelines and approval and may not be available in all states.
This insurance helps protect the structure, built-in appliances and wall-to-wall carpet of your condo from damage.
Other structures coverage
This option covers property not attached to your condo. This can include a detached garage or a gazebo.
This protection helps cover your furniture, clothing, and other items in your home from fire, smoke, wind and theft as defined by your policy.
This insurance consists of two parts: bodily injury and property damage. If an accident occurs in your condo that damages someone or something, personal liability can help pay for the damages.
Personal umbrella liability insurance
A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage, and personal injury to others for which you are held liable.
Medical payments to others
This condo coverage may help pay for medical or funeral expenses of someone who is injured on your property.
Loss of use insurance
This insurance may help pay for an increase in living expenses if you are unable to live in the home after a covered loss.
Ordinance or law insurance
This insurance may help pay to rebuild your condo to current building codes after a covered loss.
This option protects your condo and its contents from flood damages. It is a separate policy that can be purchased through the National Flood Insurance Program.
This insurance provides additional coverage due to earthquake damage. A separate deductible applies.
Scheduled personal property
This insurance provides additional coverage for high value items such as jewelry, watches, antiques, and fine art.
Extended replacement cost on contents
This condo insurance coverage may help pay to replace or repair personal property without depreciation being taken from the value of the property.
Water backup of sewer
This boradens the coverage for loss due to water backup through sewers or drains.
Replacement cost plus
This coverage can pay up to an additional 20% of your home coverage limit if there is a total loss of your home and additional money is needed to rebuild.
Many homeowners are unaware that their home insurance doesn’t cover flood damage. Flood insurance is one of the best ways you can protect yourself from flood losses. Here are a few facts about floods and flood insurance:
- Floods happen everywhere. Any place can flood under certain conditions.
- Flood insurance is backed by the government. Most flood insurance is administered by the National Flood Insurance Program.
- You will receive a timely settlement. As part of the National Flood Insurance Program, Nationwide provides helpful customer service and efficient claims handling. That means you can make repairs and recover faster from covered losses.
- Flood insurance covers certain cleanup expenses. It also covers damages to your heating and cooling system and repair or replacement of flooring, according to the policy.
Flood insurance for condo owners and renters
If you own a condo or rent your home, you should still consider flood insurance to protect your belongings.
You can purchase building and contents coverage through the National Flood Insurance Program. Contents coverage can include possessions such as furniture, clothing, and other valuables, subject to policy limits and exclusions.
Extended Replacement Cost
This renters insurance coverage pays to replace or repair personal property without depreciation being taken from the value of the property.
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not the same as flood insurance.)
Scheduled personal property
Provides additional coverage for high-value items, such as jewelry, watches, and furs, as provided by your policy and state law.
Personal liability renters insurance policies may cover bodily injury and property damage to others caused by your actions or negligence.
Personal umbrella liability insurance
A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.
Medical payments may help cover others’ medical expenses resulting from an accident on your property. For home and apartment renters, insurance under this coverage plan does not apply to you or regular residents of your household.
Ordinance or law
This insurance helps cover increased expenses if you need to rebuild due to current building codes or ordinances.
Credit card coverage pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This renters insurance coverage also applies to forged checks and counterfeit money.
Firearm coverage may help pay for the physical loss of firearms and accessories.
Personal injury liability
This renters insurance coverage may help pay for damages awarded to others due to injuries such as false arrest, libel, slander, and invasion of privacy for which you are responsible.
This option provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.
Earthquake and volcanic eruption
This insurance pays for covered losses to your property caused by earthquake or volcanic eruption up to the limits you select.
This option pays for covered damages to additions, alterations, fixtures, improvements, or installations that you make to your residence.
Loss of use
This coverage helps pay for additional living expenses resulting from being unable to live in your home.
Hurricane insurance provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.
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