Homeowners Insurance
Homeowners Insurance Quote Forms
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Homeowners Insurance Information
Whether you're a homeowner or planning to buy a house, understanding home insurance is crucial for safeguarding your most valuable asset. Contact John L Sprague Agency in La Plata, Maryland, to learn about your home insurance options and get a quote.
What Is Home Insurance?
Homeowners insurance is a policy that can help provide financial protection against damage to your home, its contents and other structures on your property. It also usually offers liability coverage for accidents that may happen on your property.
What Does Home Insurance Cover?
Home insurance policies typically offer the following types of coverage:
- Dwelling coverage may financially protect the structure of your home—including walls, roof, floors and built-in appliances—from risks like fire, lightning, windstorms, hail and vandalism.
- Personal property coverage may help reimburse you for the cost of replacing or repairing personal belongings that are damaged or stolen due to covered perils both inside and outside your home.
- Liability protection may cover legal expenses and damages if someone is injured on your property and you're found legally responsible. It typically extends to incidents outside your home where you may be liable for damages.
- Additional living expenses may help pay for temporary living expenses if your home becomes uninhabitable due to a covered event, such as fire or storm damage, and you need to stay elsewhere.
What Is Not Covered by Home Insurance?
Home insurance provides broad coverage, but certain situations and perils are typically excluded. For example, flood damage, earthquake damage, wear and tear, and certain higher-value items—such as art collections and jewelry—may require specialized policies or riders to provide appropriate coverage.
How to Get Home Insurance
Contact John L Sprague Agency today to speak with one of our experienced insurance agents. We'll help you understand your home insurance options, customize a policy that meets your specific needs and provide you with a competitive home insurance quote.
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