Homeowners Insurance in Virginia & Maryland
Beacon
Home Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Homeowners insurance usually doesn’t just protect a house, but also normally personal belongings and some liability risks.
Most Virginia and Maryland residents who own a house ought to carry home insurance, and insurance is often required when there’s a mortgage on a house. Not having insurance in place could result in financial devastation if there was a major incident.
Dwelling Coverage: May cover the primary dwelling on an insured property
Secondary Structures Coverage: May cover other structures (e.g. detached garage, shed)
Personal Property Coverage: May cover belongings (e.g. electronics, furniture)
Personal Liability Coverage: May cover liability lawsuits arising from common risks
Beacon Insurance Group is Here to Help
For decades, Beacon Insurance Group has been providing quality and affordable insurance coverage to the good people of Virginia and Maryland. Our team has carefully handpicked reputable insurance companies that we are confident can provide you with the security and peace of mind that you deserve.
Whether you are a business owner or looking for protection in your everyday personal life, we know that you don’t have the time to worry about your insurance programs. That’s what we are here for. At Beacon Insurance Group, we do the digging to find you the best possible coverage at the best possible price.
It’s incredibly important to us that we continually provide you with expertise and that personal touch that you are looking for when it comes to finding high-quality homeowners insurance.
Fill out the form to get in touch with a specialized homeowners insurance agent and we will get you the superior customer service that you deserve!
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What is Homeowners Insurance?
Homeownership is a major investment, and that investment should be protected when possible. One way Virginia and Maryland homeowners can protect their investments is by purchasing homeowners insurance.
Homeowners insurance usually doesn’t just protect a house, but also normally personal belongings and some liability risks. These are other protections that most homeowners need.
Who in Virginia & Maryland Should Have Home Insurance?
Most Virginia and Maryland residents who own a house ought to carry home insurance, and insurance is often required when there’s a mortgage on a house. Not having insurance in place could result in financial devastation if there was a major incident.
What Coverages Are Available Through Home Insurance?
Home insurance normally comes with multiple coverages. Some of the more commonly offered ones include:
- Dwelling Coverage: May cover the primary dwelling on an insured property
- Secondary Structures Coverage: May cover other structures (e.g. detached garage, shed)
- Personal Property Coverage: May cover belongings (e.g. electronics, furniture)
- Personal Liability Coverage: May cover liability lawsuits arising from common risks
There are still other coverages that homeowners may want, such as vacant property coverage and loss of use coverage.
Does Home Insurance Cover Short-Term Rentals?
Whether short-term rentals are covered by homeowner’s policies depends on the particulars of a policy. Some policies may offer short-term rental coverage as an optional feature, but not all do. Additionally, those that do may still not provide all of the protection that a homeowner would like.
An insurance agent can help residents who offer short-term rentals assess their insurance situation. A knowledgeable agent will be able to explain whether a home policy provides coverage or another type of policy is needed.
How Can Residents in Virginia & Maryland Get Homeowners Insurance?
For help insuring a house that’s located in Virginia or Maryland, contact the independent insurance agents at Beacon Insurance Group. Our team has helped many residents find homeowners insurance that’s right for their houses, and we’ll work hard to get you the right coverage too.
What are the Advantages of Working with an Independent Agent like Beacon Insurance Group?
This is a question that we hear all the time – and that’s okay! – because we know that the insurance world can be confusing. That’s why we are here to help you.
Securing your insurance through an independent agent rather than buying straight from an insurance company is similar to hiring a lawyer before going to court, rather than defending yourself. Just like lawyers, independent agents have the knowledge of the entire industry with attention to important, cost-saving details that only come with years of experience.
But, UNLIKE lawyers, going through an independent agent not only comes with no extra charge, but it can often SAVE you money by being able to shop your needs to many different insurance companies, and also by ensuring that you are only being covered for what you need.
Independent agents are your helping hand in your journey through the overwhelming insurance world. We are real human beings that are equipped with the knowledge, expertise, and friendliness to help make your life easier, especially in tough times. We recommend you submit a form on this page to talk to one of our agents for free – at your convenience!
