Glen Burnie Homeowners Insurance

Your Complete Guide to Glen Burnie, MD Homeowners Insurance

Find the right homeowners insurance policy for you.

Glen Burnie, Maryland is a suburb of Baltimore with around 67,000 residents. Homeowners in Glen Burnie are not immune to thefts, break-ins, fires, and severe weather that can easily damage property. That’s why Glen Burnie homeowners need home insurance. Having reliable, responsive homeowners insurance means having peace of mind in the face of unpleasant events. Independent insurance agents in Glen Burnie can help you find the best and most affordable insurance coverage for your home. Find an agent in or near Glen Burnie to learn more, and start comparing quotes today. 

Cost of Homeowners Insurance in Glen Burnie, MD

Maryland is the 33rd most expensive state for home insurance in the US. The average cost of homeowners coverage in Glen Burnie is also lower than the national average. 

  • National average yearly premium: $1,173
  • Maryland average yearly premium: $982
  • Glen Burnie average yearly premium: $958

Comparing quotes from multiple insurance companies and making sure you are maximizing your discounts is the best way to make sure you’re getting the best rate on your Glen Burnie home insurance. Expect your rates to be more or less than the average for your city, depending on individual factors such as the age, size, and value of your house, the crime rate and weather risks in your area, and the amount of coverage and deductibles you choose. 

Every insurance company has a different formula for calculating insurance premiums. Ultimately, they want to predict how risky you are to insure, or how likely you are to file a costly claim. If your property’s location comes with more hazards than most, expect to pay more. You will also pay more if your home will cost more to repair or rebuild than others. The best way to make sure you are getting the best price for your unique home is to compare quotes from multiple insurance companies. A local independent agent can help you do just that and can guide you through the process to ensure you are getting the coverage you need. 

Burglary Rate in Glen Burnie, MD

The burglary rate in Maryland is a little lower than the national average, but in Glen Burnie, it is higher than the national average.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Maryland: 4.10
  • Number of burglaries per 1,000 homes in Glen Burnie: 6.42

Your home insurance is designed to reimburse you for loss or damage following a break-in, theft, and even vandalism. But remember, you have to pay your deductible first, and your insurance company will handle the rest. Glen Burnie residents must take precautions to protect their homes from burglaries, and remember that having a home security system is one of the best ways to keep the burglars out. What’s more, homes with burglar alarms often qualify for extra discounts on home insurance. 

Catastrophic Events in Maryland

  • Number of declared disasters in Maryland: 32
  • Most common reasons for disasters in the state: Floods and Hurricane 
  • Average number of tornadoes per year in Maryland: 9.9
  • Average amount of property damage per year in Maryland: $836,597,000
  • 1 in 15 insured homes has a claim each year

Homeowners insurance is designed to cover you against a variety of hazards you face as a Glen Burnie homeowner. Fires, severe weather, and break-ins can cause significant damage to your home, and without home insurance, you’d have to pay for repairs on your own. You can’t deny the severe weather threat in Glen Burnie and all of Maryland. Floods and hurricanes don’t happen every day, but it only takes one to wipe out your entire property. An insurance agent can help you review your structure and contents coverage limits so you can be sure that they are high enough to enable you to rebuild, repair, or replace if necessary.

Liability Insurance for Glen Burnie Homeowners

Your home insurance policy covers your home’s structure and your belongings. It also includes liability coverage, which is designed to help you pay for a variety of expenses if you are sued for negligence. If someone is injured on your property, your liability coverage will pay for their medical expenses related to the accident. If that person sues you for additional damages, your liability coverage pays for attorney fees, court costs, and any settlements or judgments that you are required to pay to the injured party. Consider these examples of when your homeowners liability coverage is invaluable:

  • A guest in your home trips on loose carpeting and breaks her ankle.
  • Your child hits a baseball through a neighbor’s window.
  • Your dog bites a passerby.
  • You are accused of libel or slander because of something you posted on social media. 

Learn more about liability insurance from your independent agent. You might find you need more coverage than your home insurance policy allows. In this case, you can purchase a personal umbrella policy, which offers liability coverage beyond what is provided in your home or auto insurance policy. 

Second Home and Vacation Home Insurance

Maybe you own a vacation home on the Chesapeake Bay. Or perhaps you own rental properties in Baltimore or right in Glen Burnie. If you own a second home, vacation home, or rental property, you need to ensure you have appropriate coverage for how each property is used.

  • Vacation homes may only be occupied seasonally or on weekends. These properties are often targets for thieves, and property damage that occurs while you are gone can go unnoticed for long periods and get worse. Vacant home insurance may be needed in these situations.
  • Vacation homes on the Bay or closer to the coast may face an increased risk for floods or hurricanes. Flood insurance is probably necessary for coastal homes.
  • Landlord insurance can help you cover the specific risks you face if you rent a home to tenants. 

A local independent agent can help you review the unique coverage needs of any additional properties that you own, and can obtain competitive quotes to make sure you’re getting the best price. 

Why Work with an Independent Insurance Agent?

Independent insurance agents in your city can help you find a reliable, affordable home insurance policy. These agents aren’t tied to one company, so you can be sure you are getting honest, unbiased advice. 

Contact an agent in Glen Burnie to start comparing customized home insurance quotes.

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
https://www.census.gov
http://www.city-data.com