Home > for individuals > Homeowners Insurance > Maryland Residents Homeowners Insurance: Maryland Residents Printer Friendly (PDF) Property Coverages Dwelling – your home Other Structures – adjacent structures Personal Property – personal belongings Loss of Use – additional living expenses after a covered loss $200 for loss of money and coins $1,000 for loss to securities $1,000 for loss to watercraft and their trailers $1,000 for loss to trailers not used with watercraft $1,000 for loss by theft of jewelry, watches, furs and precious stones $2,000 for loss by theft of firearms $2,500 for loss by theft of silverware and gold ware $2,500 for loss to property on your premises used for business purposes $250 for loss to property away from your premises used for business purposes Debris Removal Trees, shrubs and other plants – subject to policy limits Fire Department service charge – subject to policy limits Loss Assessment Personal Liability Coverages Provides Bodily Injury and Property Damage Liability Coverage Limits up to $1,000,000 with higher limits available through our Personal Umbrella program Medical Payments to Others for medical expenses to others as a result of a covered claim Optional Coverages Available Guaranteed Dwelling Replacement Cost Personal Property Replacement Cost Scheduled Personal Property Water Backup of Sewers and Drains Refrigerated Products Personal Injury Earthquake Special Computer Coverage Inflation Guard Homeowners Policies Special Form - a comprehensive policy to meet your needs Broad Form – a "named perils" policy as an economic alternative Valuation Options – your policy may be written to cover loss on a replacement cost or actual cash value basis.
