How Home Insurance Provides Peace of Mind

One of the biggest milestones that you’ll ever achieve is owning a home. It’s a great accomplishment and one that is definitely worth celebrating. To ensure you take care of your home, it’s pertinent to invest in home insurance. In fact, this type of insurance will provide peace of mind in several ways. Here at the Monterey Insurance Group Inc. serving the Huntington, MD area, we’d like to share two ways home insurance provides peace of mind.

Protection During Bad Weather

As a resident of Huntington, you undoubtedly know how severe the weather can get, especially during the winter time. What if an ice storm comes through and causes a branch from a nearby tree to fall on your new house? Do you have the funds stashed away to pay for the damage? With the right homeowner’s insurance policy, you can rest easy knowing your insurance will take care of the damage for you.

It Might Be Required

Depending on how you went about becoming a homeowner, it may be required to have insurance. Most lenders will mandate a person to have home insurance when they borrow funds to purchase the home. If you don’t maintain insurance, you run the risk of losing your mortgage loan, which means you ultimately run the risk of losing your home. With insurance, though, you have great peace of mind in knowing you are meeting your lender’s requirements.

If you would like to learn more about the many ways in which homeowner’s insurance provides peace of mind, please don’t hesitate to reach out to the Monterey Insurance Group Inc. today serving the Huntington, MD area.

Does Home Insurance Cover Cars in the Garage?

Cars are a big part of your home, and if your home is destroyed by a fire or other major damage, your car may be affected as well. Your home policy is going to cover far more than you might imagine and it may even help cover damage to your vehicle. For those that live in the Huntington, MD area, the agents with Monterey Insurance Group, Inc. can help you find out just what your policy covers and what coverage you may need to add.

How does your home insurance protect your car?

Your home insurance is going to cover damage to your car if it is damaged in a fire or other disaster that affects the home. This may not be the best way to go about getting your car fixed, however. It is always beneficial to check into filing a claim with your car insurance as well. Though your home insurance will cover damages, it may be more beneficial to file with your auto insurance as it is more specifically tailored to coverage for your car. This means that if your car is damaged but not destroyed, it may be better to file with your auto insurance. For those cars that are totaled, it may be better to file with your home insurance if there is enough coverage on the policy. Similarly, the level of damage to the home may also affect how beneficial it is to file with your home policy.

It is always best to speak with an agent if you have any worries about what your coverage is going to help pay for. For those that live in the Huntington, MD area, the agents with Monterey Insurance Group, Inc. can help you determine which policy to file with and can help you to learn if you have enough coverage or not if your car is destroyed in a disaster that strikes your home.  

Does Home Insurance Cover Damage From Air BnB Guests?

Home insurance is necessary to protect you from all types of threats and events that can cause damage and financial loss. Today’s home insurance can provide coverage for events that are new to the social landscape and pose a very real risk to homeowners, especially those who choose to engage in Air BnB services. 

Air BnB Guests

Air BnB is a company that matches people who are visiting certain areas, with homeowners who are willing to rent out their homes like a hotel or a guesthouse. Although this can be very beneficial over time, it also poses some risks that require great home insurance. Before you even begin to offer your residence for Air BnB, make sure you go over the situation with a skilled insurance agent to make sure you are prepared for anything that can happen when you rent out your home or property.

Finding A Knowledgeable Company

Before you can protect your home or property adequately, you need the guidance and assistance of a professional and skilled insurance provider with agents who know how to give you the options that protect you sufficiently. If your property or home is in the Huntingtown, MD area, you should work with Monterey Insurance Group, Inc. They know the landscape of home insurance and can point you in the right direction, so you are always covered and have peace of mind when you Air BnB. 

Monterey Insurance Group, Inc., serving the Huntingtown, MD area, offers protection to homeowners throughout the state by creating quality home insurance protection. Contact our offices to speak with an agent and get a quote or try our online rating tool for quotes on home and auto insurance from the comfort of your house.

Home insurance coverage options

At Monterey Insurance Group, Inc., a home insurance policy helps you protect your family and your home against several risks. The home insurance protects the physical structure of your property, detached structures such as garages or sheds, personal belongings in your home, and liability claims filed against you or family members. Quality and sufficient coverage makes all the difference when it comes to protecting your home with a home insurance policy. Therefore, it is vital to understand the different types of home insurance coverage options in Huntington, MD before you choose what suits your specific needs.

Types of coverage options

Personal property coverage: The coverage is designed to protect your personal belongings. It can be very costly to replace items such as bicycles, large pieces of furniture, and stereos in the event of a disaster. In addition, the coverage option can help you protect these items even if they were stolen or damaged outside of your home.

Dwelling coverage: The coverage is designed to protect the physical structure of your property such as roofing and walls.

Other structures coverage: If you have other physical structures on your property, it is essential to purchase the other structures coverage option. The coverage protects different types of structures such as stand-alone garages and sheds.

Additional living expense coverage: If your home becomes uninhabitable, you may need to stay in a hotel. It is crucial to have additional living expense coverage to cover for the hotel bills. Remember, the cost applies after a covered loss.

Liability coverage: The coverage option comes in handy when someone who gets injured on your property decides to sue you for damages. The cost of such a lawsuit can quickly add up and be a huge financial liability if you don’t have liability coverage.

Guest medical coverage: While it is important to have liability coverage to protect yourself against lawsuits, the guest medical coverage is for paying the medical bills when a guest gets injured on your property.

It is crucial to explore all your options when looking for suitable coverage options for your home in Huntington, MD. For more information about home insurance coverage options and guidelines on how to find the most affordable home insurance policy, contact Monterey Insurance Group, Inc.
 

 

Can a Dog’s Breed Affect My Home Insurance Policy?

Do you own a pet or are you planning to get one soon? Well, you may soon be among the 65 percent of US households that have a pet according to a survey that was conducted by the American Pet Products Association in various parts of the US including Huntington, MD. Although this may be an impressive statistic, there is more to it that you need to understand, especially when you are considering to purchase a home insurance policy.

The Center for Disease Control reports that at least 4.5 million dog bites are recorded each year in the United States, and this is the primary reason why some home insurance providers such as Monterey Insurance Group, Inc. will be reluctant to offer you a policy if you own a dog breed that is considered vicious.

Why Are Insurance Companies Concerned About Your Dog?

Most families consider their dog as a member of the family. You treat your pet well and show it unconditional love. However, the insurance company is concerned about the possible dangers of having certain pets. No matter how cute your dog may be, it has the potential to attack and bite your visitors.

Even the best-trained pet dogs are unpredictable, and it is the duty of the insurance provider to look at every unforeseen risk when creating your homeowner’s insurance policy. If there is a significant chance that your dog could attack your visitors, then you need to be prepared for the consequences when it comes to obtaining your insurance policy.

Does The Dog Breed Matter?

The simple answer to this question is yes. While all dogs may appear to be angels, the truth is that certain breeds of dogs are more dangerous compared to others depending on how they are raised. Some of the dog breeds that are considered highly dangerous include:

  • Chow Chows
  • Great Danes
  • Rottweilers
  • Wolf-Hybrids
  • Staffordshire Terriers
  • Pit Bulls
  • German Shepherds
  • Mastiffs

Are you a homeowner in Huntington, MD, and the surrounding areas? Contact Monterey Insurance Group, Inc. today for your homeowners’ insurance policy.

How Does Home Insurance Protect Me?

Your home is the largest and most important asset that you will ever own. At the same time, it is a considerable investment that needs to be taken seriously and be properly protected. For those that are in the Calvert County area, one of the best ways to protect their home is to get a quality home insurance policy. A good home insurance policy will provide you with protection many different ways.

Liability

One of the main forms of benefit and coverage that you will get from your home insurance policy is liability coverage. When you own a home and have visitors come to your property, you will be taking on some liability for each person that arrives. If they are injured while on your property, you could be found liable and be sued. A home insurance provider will be able to provide you with liability coverage that will protect you from any lawsuit that arises from an accident that occurs at your home. 

Property Coverage

More important than liability coverage is the property coverage that you will receive. Property insurance will provide you with coverage in the event your home is damaged by a storm or other calamity. It will also provide you with coverage for vandalism, theft, and a variety of other issues that could end up costing you money. This will provide you with coverage for the home and your personal assets.  

Homeowners in Calvert County that are in need of home insurance should contact Monterey Insurance Group, Inc. This insurance company is well known for providing great service and insight to ensure you fully understand what type of coverage you need. Monterey Insurance Group, Inc. will also be able to help you start a policy and get you a quote. Reach out to our offices for more information.

How Likely Is A Fire In Maryland?

There are some funny assumptions people make about different regions. Just to clarify a few of them; yes, it can rain in the desert, yes, there are warm days in parts of Alaska, and no, coastal homes are not fireproof just because they’re right by the ocean.

In fact, in places like Maryland and California, it’s not uncommon for wood to dry out and become extra fire-prone due to the salt in the air and the sand’s tendency to chip away at the paint. This is why you see people putting so much effort into treating their homes and porches in Huntingtown, MD. This is also why people in coastal cities tend to wash and wax their cars once a week, because if you let that salty air build up on your auto, then you’re looking at serious rusting.

So yes, when a Huntingtown, MD residents call Monterey Insurance Group, Inc., they do so to make sure they get fire coverage as part of their home insurance plan. Even a houseboat can burn down if you’re not careful. Fire is just as likely in Maryland as anywhere else. The beach towns in America are generally not like a tropical rainforest where everything is so moist that it’s hard to start a fire without gasoline. Fire safety is just as crucial in Huntingtown, MD as it is in Arizona.

If you’re looking to buy a home insurance policy, or maybe upgrade what you have right now, it may be worth giving Monterey Insurance Group, Inc. a call. So that if a fire does take place at your home on the beach, you’ll be prepared to cover the damages. Try our online rating tool and get a quote on home insurance.

Insurance Coverage Aspects that Make Home Insurance Complete

Homeowners in Maryland need insurance to safeguard their buildings interest in the event of disasters. Combining your coverage into one is more affordable than if they were purchased individually. The following are some of the components available in a home insurance policy from Monterey Insurance Group, Inc in Huntingtown, MD.

Property damage coverage

In the past, people in Calvert County insured their homes against destruction caused by fire only. However, other risks such as theft, storms, and vandalism can ruin your property as well. Insurers now include products aimed at providing coverage against such threats. A homeowner can opt for an open policy that caters for all risks unless it is excluded from the insurance contract.

Liability coverage

This policy protects homeowners from liability against others who may become injured on your property. If any of your relatives are responsible for injuries against others, your policy may settle any damages or legal fees on your behalf. It also caters for the policyholder and their relatives against liability for accidents that occur in the home or other locations around Maryland. However, the policy does not cater for any actions done within the conduct of your job or those deliberately taken to harm others.

Medical payment coverage

This coverage caters for medical expenses for other people, apart from your relatives, injured on your premises irrespective of who is responsible. The policy may meet all reasonable and necessary medical expenses for the next three years after the accident. Monterey Insurance Group Inc. employees have details of how this coverage can benefit you and how it works.

Additional living expenses

In the event of a disaster, your Maryland home may become uninhabitable which will cause you to have to find alternative accommodations. Your policy will cater for the costs you incur in a motel or other places of accommodation. It is good to note that the insurer will only pay for reasonable and necessary additional living expenses.

If you need to get more information about home insurance, call or visit Monterey Insurance Group, Inc in Huntingtown, MD.