Personal Inland Marine Insurance in Virginia & Maryland
Beacon
Inland Marine Insurance
- What Is It?
- Who Needs It?
- Coverages Offered
Personal inland marine insurance offers specialized personal property coverage for high-value possessions.
Anyone in Virginia or Maryland who owns expensive possessions should consider purchasing personal inland marine coverage.
Fine art, coins, stamps and other collectibles
Computers, cameras, musical instruments and stereos
Firearms, golf equipment and other sports gear
Jewelry, furs and luxury clothing
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, 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 personal inland marine insurance.
Fill out the form to get in touch with a specialized personal inland insurance agent and we will get you the superior customer service that you deserve!
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What is Personal Inland Marine Insurance?
Valuable possessions require substantial insurance, and homeowners insurance policies’ limits aren’t always high enough. Residents of Virginia and Maryland who have extensive valuables may additionally want personal inland marine insurance.
Personal inland marine insurance offers specialized personal property coverage for high-value possessions. Because the coverage is specialized, residents should work closely with an insurance agent who’s familiar with these policies when shopping for coverage.
Who in Virginia & Maryland Should Have Personal Inland Marine Coverage?
Anyone in Virginia or Maryland who owns expensive possessions should consider purchasing personal inland marine coverage. This includes wealthy individuals, collectors and residents with high-value family heirlooms. In some cases, even an engagement ring might justify getting the coverage.
Sometimes whether a car needs classic or standard car insurance isn’t obvious. An insurance agent who specializes in these policies can help drivers determine which insurance option is right for their vehicle.
What Possessions Does Personal Inland Marine Coverage Protect?
The specific possessions that a personal inland marine policy covers are determined by the terms, conditions and exclusions of that particular policy. In general, however, the insurance can help protect a range of high-value items. These may include:
- Fine art, coins, stamps and other collectibles
- Computers, cameras, musical instruments and stereos
- Firearms, golf equipment and other sports gear
- Jewelry, furs and luxury clothing
The common denominator among all of these items is that they’re worth a lot and portable.
Does Homeowners Insurance Cover High-Value Possessions?
Most homeowners insurance policies contain personal property coverage, and the purpose of this coverage is to insure possessions or belongings.
The coverage applies to a wider range of possessions than inland marine coverage protects, but personal property coverage typically limits protection for high-value items. The protection for items like those listed above may be limited to hundreds or a few thousand dollars — which can be well below the possessions’ individual and collective values,
Personal inland marine coverage is often used to fill in this coverage gap.
How Can Virginia & Maryland Residents Get Personal Inland Marine Insurance?
For help insuring high-value belongings with personal inland marine insurance, contact the independent insurance agents at Beacon Insurance Group. Our agents have worked with many Virginia and Maryland residents, and we’re ready to assist you.
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!
