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Best Homeowners Insurance Agencies in Baltimore

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Anthony Walker Sr. - State Farm Insurance Agent logo
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Anthony Walker Sr. - State Farm Insurance Agent

6600 York Road Suite 109A, Baltimore, MD 21212
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  • Homeowners

Business Description

Anthony Walker Sr. - State Farm Insurance Agent serves clients in Baltimore. He offers homeowners' insurance that covers losses and damages to an individual's house and assets. The Anthony Walker Insurance Agency, Inc., also provides insurance products for cars, commercial entities, renters, and life insurance. Anthony has been a State Farm agent since 1995. His team includes office manager Von Richardson, who has been offering car, life, and commercial insurance for more than 25 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (144)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Baltimore Equitable Insurance logo
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License Verified:

License: 3000014559

Maryland Insurance Administration

Baltimore Equitable Insurance

100 N Charles St #640, Baltimore, MD 21201
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  • Homeowners

Business Description

Baltimore Equitable Insurance is a financial services firm that has been serving clients throughout the metro since 1794. The firm provides perpetual homeowners' insurance solutions for condo, home, and apartment owners. It compensates clients for covered losses in insurance claims. The firm likewise offers renters' insurance products, and clients can calculate their potential insurance quote from the company's website. Mary Harlee, the firm's CEO, has more than 35 years of experience in the insurance industry.

License Verified:

License: 3000014559

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (61)
Facebook
4.2 / 5 (5)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Baltimore Insurance Network logo
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License Verified:

License: 100055094

Maryland Insurance Administration

Baltimore Insurance Network

11 East Lexington Street, Baltimore, MD 21202
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  • Fire
  • Flood

Business Description

Baltimore Insurance Network is an independent agency that provides its services to clients in the metro and nearby areas. It assists families and individuals in acquiring personal insurance, including homeowners' policies. The company aims to help clients protect their investments through its insurance coverages. Its team of specialists also offers life, auto, and business insurance. They have access to various carriers, such as Progressive, Foremost, Nationwide, Ohio Casualty, and Safeco. Baltimore Insurance Network has been in business since 2011.

License Verified:

License: 100055094

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (213)
Facebook
4.8 / 5 (19)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Bedford Insurance Group logo
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License Verified:

License: 61023

Maryland Insurance Administration

Bedford Insurance Group

1014 West 36th Street, Baltimore, MD 21210
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  • Renter's Insurance

Business Description

Bedford Insurance Group is a family-owned and family-operated agency that caters to individuals and businesses in the Baltimore metro and the surrounding areas. It offers homeowners' insurance policies, which pay for the replacement of personal properties that have been damaged during natural disasters. The firm also provides other insurance products, such as auto, cyber liability, personal umbrella, renter, and worker compensation plans. Bedford Insurance Group has 20 years of experience in the industry.

License Verified:

License: 61023

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.3 / 5 (6)
Google
4.8 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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BTJ Insurance logo
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License Verified:

License: 3000110273

Maryland Insurance Administration

BTJ Insurance

500 Redland Court, Owings Mills, MD 21117
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  • Fire
  • Homeowners

Business Description

BTJ Insurance, Inc., is a full-service Nashville-based insurance company that serves clients in Baltimore and surrounding communities. The firm protects individuals and families against unforeseen perils with a homeowners insurance policy. Its independent insurance agents represent multiple carriers that offer a variety of coverages, including dwelling, other structures, personal property, liability, and guest medical protection. They also offer flood, earthquake, condo, renters, and landlord insurance. The company has been in the insurance business since 2004.

License Verified:

License: 3000110273

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Cohee Insurance Agency logo
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License Verified:

License: 33202

Maryland Insurance Administration

Cohee Insurance Agency

901 Dulaney Valley Road, Towson, MD 21204
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  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Cohee Insurance Agency has been providing comprehensive home insurance coverage to Towson, Baltimore, and surrounding areas. Its coverage can be tailored fit to clients' needs and can include coverage options to protect from various causes of damage. Its home insurance coverage options include homeowners liability, property insurance, renters insurance, condominium insurance, and mortgage insurance. Cohee Insurance Agency also offers auto insurance, life insurance, and business insurance. It is available for evening and weekend appointments and has two offices in Maryland.

License Verified:

License: 33202

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Concrete Insurance logo
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License Verified:

License: 4104330313

Maryland Insurance Administration

Concrete Insurance

6405 Belair Road, Baltimore, MD 21206
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  • Homeowners

Business Description

Concrete Insurance is a full-service agency that serves individuals and families in the Baltimore area. It offers a wide range of products, including auto and home insurance and tag and title registration services. The business also caters to commercial clients by providing liability, commercial auto, and workers' compensation coverage programs. By working with various insurance carriers, such as Nationwide, Progressive, and Liberty Mutual, the business can shop for numerous providers to match the client's specific needs.

License Verified:

License: 4104330313

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Farrell Sullivan Insurance logo
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Farrell Sullivan Insurance

P.O. Box 5647, Baltimore, MD 21210
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  • Renter's Insurance
  • Personal Property Insurance

Business Description

Farrell Sullivan Insurance is a family-owned and family-operated business that has been serving Baltimore since 1959. It offers property insurance coverages for homeowners, renters, and landlords. Homeowners' insurance policies protect clients from financial losses caused by unexpected circumstances like theft, fire, and vandalism. The coverage options include personal liability, medical expenses, personal property, special possessions, and additional living expenses. The second-generation company represents multiple insurance carriers including Symetra, Old Republic, and Maryland Automobile Insurance Fund.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
5.0 / 5 (2)
Facebook
4.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gebco Insurance logo
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Gebco Insurance

8407 Harford Rd., Parkville, MD 21234
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  • Multiple Carriers

Business Description

Gebco Insurance offers a variety of non-life products to residents of Baltimore and the surrounding areas. These options include homeowners' assurance deals that protect against unforeseen circumstances, physical injuries, and man-made property damage that take place within a residence. The firm also provides renters' insurance contracts covering condominiums and townhomes. In addition to protecting dwellings, the team has car and motorcycle policies. Gebco Insurance has been operating since 1971 has since grown to occupy eight offices.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (46)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Kathy Fowler - State Farm Insurance Agent logo
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Kathy Fowler - State Farm Insurance Agent

510 4th Street, Laurel, MD 20707
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  • Personal Property Insurance

Business Description

Kathy Fowler - State Farm Insurance Agent provides clients in Baltimore and nearby communities with home insurance options to protect their financial health in the event of a major disaster. She works with clients to choose policy coverage that includes protection of keepsakes and other precious possessions, appliances and furniture, and even lawn decorations and swing sets. Aside from homeowners insurance, Ms. Fowler also offers auto, property, business, life, health, and pet insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (14)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mason & Carter, Inc. logo
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Mason & Carter, Inc.

23 South St, Baltimore, MD 21202
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  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Mason & Carter Inc. is an insurance agency located in Baltimore, Maryland, that's licensed in over 18 other states, including New York, Virginia, and Florida. Home protection specialists help clients find the right home, condominium, and co-op insurance to safeguard their property and personal items at a fair rate. Mason & Carter Inc. also provides policies for secondary, seasonal, and vacation homes, and offers renter's insurance, and additional coverage for jewelry, fine arts, antiques, and firearms.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (32)
Facebook
5.0 / 5 (16)
Yelp
4.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Maury Donnelly & Parr, Inc. logo
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License Verified:

License: 67

Maryland Insurance Administration

Maury Donnelly & Parr, Inc.

24 Commerce St, Baltimore, MD 21202
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  • Multiple Policy Types

Business Description

Maury Donnelly & Parr, Inc. is an insurance broker that helps homeowners in the Baltimore metro. Its agents assist clients in choosing homeowners insurance products to protect their properties from fire, flood, and theft. They also assess each client's needs and help customize policies for owners of rental and vacation homes that are at a suitable level. Maury Donnelly & Parr was founded in 1875. It is part of a joint venture with the National Trust for Historic Preservation.

License Verified:

License: 67

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (23)
Facebook
4.3 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
––
Mayer & Steinberg logo
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Mayer & Steinberg

104 Church Ln Ste 300, Baltimore, MD 21208
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Mayer & Steinberg is an independent insurance agency located in the Baltimore, Maryland, metro area that's licensed in all states except Alaska and New Mexico. Founded in 1959, the company offers comprehensive home insurance policies at competitive rates with a wide range of top carriers, such as Allstate, Citizens, Homeguard, and Imperial Fire. Clients can also add policies to cover open perils such as flooding, earthquakes, and nuclear incidents, and named perils which include fire, theft, lightning, and explosions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (23)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Monument Insurance Services logo
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Monument Insurance Services

6410 Frederick Road, Catonsville, MD 21228
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  • Multiple Policy Types

Business Description

Monument Insurance Services is an agency that has been assisting individuals and families in Baltimore since its founding in 1998. Its professionals work with clients to develop custom policies that protect their homes from covered events. Under homeowners’ insurance, policyholders obtain financial security against property damage and lost contents, medical costs, additional living expenses, and liability. In addition, clients can purchase separate flood and earthquake damage coverage along with their home policies. Premiums for renters are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.8 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Rosasco & Yetter Insurance Agency logo
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License Verified:

License: 2102925

Maryland Insurance Administration

Rosasco & Yetter Insurance Agency

8831 Satyr Hill Rd. Suite 302, Baltimore, MD 21234
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  • Multiple Carriers
  • Personal Property Insurance

Business Description

Rosasco & Yetter Insurance Agency is an independent firm that serves clients in Baltimore and the surrounding areas. It provides a wide variety of insurance products, including homeowners' policies, which help clients cover and replace their damaged personal belongings in the event of fires, storms, and other disasters. Other risk protection plans the firm offers include condominium, automobile, motorcycle, commercial property, and life insurance. Rosasco & Yetter Insurance Agency has been representing Erie Insurance Group since 1996.

License Verified:

License: 2102925

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
3.9 / 5 (7)
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ross Insurance Agency logo
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License Verified:

License: 2078404

Maryland Insurance Administration

Ross Insurance Agency

2505 Lord Baltimore Dr, Windsor Mill, MD 21244
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  • Multiple Carriers
  • Homeowners

Business Description

Ross Insurance Agency serves the needs of individuals, families, and businesses in Baltimore and nearby areas, including Virginia and North Carolina. The independent insurance agency has more than 29 years of experience providing various insurance products, including homeowners', automobile, life, and business insurance. It works with many insurance companies, such as Nationwide Insurance, Safeco Insurance, Progressive, and Allstate. Zerita Ross, the owner of Ross Insurance Agency, has over 30 years of experience in the insurance and risk management industry.

License Verified:

License: 2078404

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Stephanie Jameson logo
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License Verified:

License: 50111

Maryland Insurance Administration

Stephanie Jameson

1120 N Charles Street Suite 405, Baltimore, MD 21201
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  • Personal Property Insurance

Business Description

Stephanie Jameson is one of State Farm's insurance agents who serves homeowners in Baltimore. Her agency has been in business for 25 years, helping clients purchase homeowners' insurance policies that provide personalized coverage against structural damage and damage to personal property, in addition to liability coverage, limited theft protection, and loss-of-use coverage. Other products and services include auto, life, health, and property insurance. Jameson and her team share over 50 years of collective State Farm experience.

License Verified:

License: 50111

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Unity Insurance logo
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Unity Insurance

1204 Maryland Avenue, Baltimore, MD 21201
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  • Multiple Policy Types

Business Description

Unity Insurance is a full-service independent agency that has served individuals, families, and businesses in Baltimore and the surrounding communities since 1975. It customizes homeowners' insurance policies, which protect the clients' assets. It also offers auto, RV, watercraft, valuable possession, and umbrella insurance plans. Unity provides employment practice and fiduciary liability, key man life, commercial property, and business overhead expense insurance solutions. Its specialty insurance options include billing error coverage and individual medical professional liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Helpfulness
Detail
––
Wealcatch Insurance, Inc. logo
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Wealcatch Insurance, Inc.

37 Walker Ave Ste 20, Pikesville, MD 21208
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  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 1945, Wealcatch Insurance Inc. is located in Pikesville, Maryland, and serves residents in the surrounding areas of Baltimore. The team provides all-risk and named-perils home insurance policies from top-rated insurance carriers, including Safeco, Travelers, and Progressive. Home insurance policies cover liability and loss from damage due to natural disasters, and the firm represents individuals, newly formed start-up companies, and large corporations. Wealcatch Insurance also offers auto, life, and umbrella insurance plans, as well as financial planning services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Woodhome Insurance Group, Inc. logo
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Woodhome Insurance Group, Inc.

66 Painters Mill Rd Ste 110, Owings Mills, MD 21117
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  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Woodhome Insurance Group Inc. is located in Owings Mills, Maryland, and provides home insurance to clients in the Baltimore Metropolitan Area and throughout the state. Its partners include Nationwide, Philadelphia Insurance, and Universal Property. Home insurance options are available to homeowners, condo owners, landlords, and renters. They cover a variety of events including fire, natural disasters, and break-ins. Woodhome Insurance Group Inc. is a BrokerCheck by FINRA trusted insurance agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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