Maryland Home Insurance
From the Chesapeake Bay to Ocean City and the western counties, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
From the Chesapeake Bay to Ocean City and the western counties, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
The Bay. High-tide flooding along the Chesapeake is getting more common. In Annapolis, a state case study counted an average of 3.8 nuisance floods a year from 1957 to 1963, and 39.3 nuisance flood days a year from 2007 to 2013. In 2019 the General Assembly required jurisdictions with nuisance flooding to plan for it. Tidal water damage isn't covered by a homeowners policy.
Storm surge. Hurricane Isabel in 2003 flooded buildings at the Naval Academy in Annapolis, and a storm surge from Tropical Storm Ernesto in 2006 put much of downtown Annapolis under water. On the Bay and on the Atlantic side around Ocean City, a storm doesn't have to be a direct hit to push water into homes.
Consumer rules that work in your favor. Maryland caps percentage hurricane deductibles at 5% unless the Commissioner approves more, requires an annual statement explaining how a percentage deductible works, requires insurers to offer sewer and drain backup coverage at every renewal, and requires a discount for proven hurricane mitigation work such as shutters, roof-to-wall connections and reinforced roof coverings.
HO-3 is the most common homeowners form. HO-5 adds broader protection for your belongings and fits higher-value homes.
Covers your unit's interior, your belongings and your liability. The association's master policy covers the building.
Coverage for water that backs up through sewers or drains, which is a separate option in Maryland.
NFIP and private flood policies, including homes with basements and waterfront homes on the Bay.
Dwelling policies for homes you rent out, including beach rentals.
Extra liability above your home and auto, from $1 million.
Sizemore Insurance is licensed in Maryland. We don't have an office in the state. We serve Maryland homeowners by phone and online from our North Carolina offices.
Main number: (910) 791-1011
No state law requires it. If you have a mortgage, your lender will require it and will name itself on the policy.
If the policy requires a percentage deductible for a hurricane or other storm, it can't be more than 5% of the coverage limit unless the Insurance Commissioner has approved it in writing. You can choose a higher deductible yourself.
Not automatically. Insurers have to offer sewer and drain backup coverage in writing when you apply and at every renewal. It may cost extra and may carry its own deductible.
It's Maryland's property insurer of last resort. It writes homeowners, dwelling and commercial property policies for people and businesses who can't get coverage from a private company. Coverage can be more limited and more expensive.
No. Tidal flooding and storm surge need a flood policy from the NFIP or a private flood market.
No. We're licensed in Maryland and handle quotes, policy changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.