Common home riders you may want to add

Home insurance is more complicated than you might expect. It is required when you have a lender to protect their investment in your home. They are not however concerned about your personal property, they leave that worry to you. A typical home insurance policy has limits on contents and on certain aspects of the content coverage. It is up to you to make sure that the limits are appropriate for the personal property that you have. Home insurance also has some exclusions and you can for many of them find a rider that will give you the additional coverage you need. Having a knowledgeable agent like those at Monterey Insurance Group Inc. in Huntington, MD is important for your peace of mind. 

Sewer Backup

What could be grosser than a sewer backup? Nothing and the amount of damage that can be done to your home, your furnishings, flooring and personal property can be devastating. Adding this rider to your home insurance will allow you to replace and repair all the damage that is done. 


While earthquakes are not a fact of life in every city or state, earth movements of other types are also covered in this rider. Sinkholes have been showing up in many unexpected places and mudslides also come under the category of moving earth.  


Most home insurance policies have a rather small limit on jewelry. If you have a nice engagement ring you may find that it is more expensive then the limit allowed on your policy. Be sure to get an appraisal for your better jewelry before you decide on the amount of additional insurance that you need.

Riders are a way to personalize your home insurance to your particular needs. At Monterey Insurance Group Inc. in Huntington, MD we would love to sit down with you and discuss the riders that make sense to you. Give our office a call or stop by for a no-obligation quote. 

Lifestyle Changes that Affect Your Home Insurance

Lifestyle changes such as marriage, divorce, retirement, etc., could affect your home insurance.  Some changes could affect the cost of your premium; others could alter your coverage. By discussing lifestyle changes with your Monterey Insurance Group Inc. agent in Huntington, MD, we can let you know if you need to update your insurance to maintain the coverage you need. Here are a few ways that lifestyle changes can alter your coverage.


Marriage often results in a combination of two households. As a result, you’ll have more belongings to protect with property insurance coverage. Depending on the value of your combined personal goods, you may need to raise the limits of your property coverage or obtain an insurance rider to obtain the protection you need.


Divorce involves the separation of households, which may result in fewer personal goods to insure. We can help you adjust your policy to reflect the changes you need.  


Retirement gives you more time to pursue personal hobbies or enjoy more of life’s pleasures to the full. If you decide to add a pool, spa or patio to your home after retirement, you’ll need to update your home insurance to protect these valuable renovations. These costly renovations could also increase your premium. If you plan to share these perks with friends, you may want to increase your liability coverage to protect you against the risk of accidents on your property.

New Pet

You may decide to add a dog to your household. As dogs present a risk of hurting family or friends, you’ll need to inform your insurer, so he can add your pup to your coverage to protect you against dog bites or other pet-related incidents.   

For more information about home insurance options, policy updates and costs, contact Monterey Insurance Group Inc. in Huntington, MD.

Three Important Factors when selecting home insurance

You invest a lot of effort and money into your home. As such, it’s important to protect your home’s value. At Monterey Insurance Group Inc., we offer numerous options in our Huntington, MD home insurance policies for you to consider. 

There are many types of damage that your home can experience. You need to regard home insurance as an investment and make sure that the insurance policy you choose will affordably protect you against all the damages that your home is most likely to experience.

The following are three important factors to consider when selecting home insurance: 

Limits and deductibles

Just about any home insurance policy is going to be subject to limits. This is the maximum amount of coverage it will provide. You should have limits that are not too far under the value of your home and your possessions within your home if you do not want to be left susceptible to severe financial losses.

Your deductible is an amount you will pay out-of-pocket before your insurance will start covering you. Lower deductibles mean more coverage and fewer costs for you when you have to file a claim. 

Budget and costs

The monthly premium you have to pay is probably the most important consideration to take into account in considering the affordability of your home insurance. You want to enjoy a premium that’s as low as possible while still offering quality coverage. 

You also need to consider your budget in determining an acceptable monthly premium. Find out how much you can afford to pay each month without any financial strains. 

Availability of discounts

There are a lot of different types of discounts out there for home insurance coverage. One commonly available discount from insurance providers is a bundling discount if you purchase multiple policies from the same provider. See if you can enjoy a discount by purchasing home insurance from the same provider you get auto insurance from, for example. 

Learn more about finding the right Huntington, MD home insurance policy by getting in touch with us at Monterey Insurance Group Inc.

Benefits of getting home insurance in Maryland

Buying a home is one of the most exciting times in anyone’s life. While there is a lot of fun and excitement that comes with home ownership, there are also many important responsibilities. Since your home is such an important asset, you will want to make sure that it is properly covered by insurance. There are several benefits that come when you get a full home insurance policy on your Huntingtown, MD property.

Will Cover Your Asset

The main reason why most people choose to get a home insurance policy is that it will properly cover their valuable asset. When you buy a home, you will be using it as a tool to build long-term equity. To ensure that your home is protected from fire, bad weather, or other types of losses, you will need to have home insurance at all times. This policy will provide you with coverage for both the property and some of your personal assets.

Liability Coverage

Homeowners should never take their liability risk for granted. If you have someone over and they are hurt, you could be found to be at fault. The liability coverage that you receive from your home insurance policy will give you very valuable protection against this risk and could prove to be extremely helpful in some challenging situations. 

As you are shopping for home insurance for your property in the Huntingtown, MD area, you should speak with the team at Monterey Insurance Group Inc. The insurance professionals at Monterey Insurance Group Inc. know very well how important it is to have proper home insurance coverage at all times. They will also be able to review your individual situation to make sure that you have the right coverage for both your assets and personal liability. 

3 Questions to Help You Determine Your Homeowner’s Insurance Limits

Your Huntington, MD home needs homeowners insurance yo ensure you can rebuild, replace, or repair any damage caused by a covered event. But how much coverage do you really need? Use these guidelines from the experts at Monterey Insurance Group Inc. to ensure you have plenty to of insurance coverage for your home.

Do You Own Any High-Valuable Items?

Your policy payout limit includes everything in your claim. That means if your total loss goes over the amount of your coverage, you could be left paying out-of-pocket for some of your stuff. This is especially important for those who keep a lot of high-value items on their property. Consider increasing your limits for your vintage guitars, expensive equipment, and other high-priced valuables.

Does Anyone Share Your Financial Responsibilities?

Is your home situated on a shared lot or part of a larger complex? Parts of your property might be covered by other policies if you’re part of an HOA or another cooperative. Talk to your property manager to find out what you might need special coverage for.

Do You Participate in High-Risk Activities?

From parkour practice to homemade race cars, there are an endless variety of activities you can enjoy on your property. However, some of them present more risk than others. If your property is used in any commercial activities, for team sport practice, or other events that might result in injury or accident to you or your visitors, it’s best to revisit your policy limits before a catastrophe occurs.

Monterey Insurance Group Inc. carries homeowners insurance for residents in the Huntington, MD area. Contact us for more information on protecting your property with the right insurance coverage.

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.