Homeowners Insurance

Maryland Residents | Pennsylvania Residents

Frederick Mutual offers Homeowners and Condominium Owners Insurance for owner occupied dwellings located in the State of Maryland and Pennsylvania. Many different optional endorsements are available so that you can customize your own individual policy to suit your needs. Let Frederick Mutual provide you with the right policy to give you better peace of mind today.

It is important to make sure that your home is properly insured for full replacement value. In the event of a loss, you want to have adequate coverage to make all necessary repairs and to resume your normal standard of living as quickly as possible. You should periodically review your policy with your agent especially if you have made any improvements to the dwelling that would increase its value.

Preparing a home inventory and storing it in a safe place, preferably in a safe deposit box, is also a good idea. You can keep a list of items with receipts or make a video of your belongings. Remember to update this list when major items are purchased! Need assistance in preparing a home inventory? Visit the Insurance Information Institute’s website (www.iii.org) for free software to assist you. You can also go to www.KnowYourStuff.org for more information and to download the software.

The basic policy provides coverage for the dwelling, other structures, contents, loss of use, personal liability and medical payments to others.