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Are You Underinsured?

October 27, 2021

Life is unpredictable, and sometimes the events of a single day can change the way you live forever. One way to protect yourself against life’s accidents and happenings is to be insured. There are lots of different types of insurance, and it can be difficult to decide which policies are the most important, which leaves many underinsured. At American Heritage Insurance, we provide many Marylanders with our insurance services, and wanted to take some time today to talk about how you can tell if you’re underinsured.

What Does it Mean to Be Underinsured?

The entire point of insurance is that you’re protected against financial ruin, should disaster ever strike. Auto insurance protects you against damage to your vehicle, home insurance protects against damages to your home, health insurance protects against damages to you and your family, etc.


Being underinsured means that you’re not actually covered for the true value of your potential loss. This means that should disaster strike, while you will receive something from your insurance company, it won’t be enough for you to replace your loss, which is a big problem.

Construction Costs Matter A Lot for Home Insurance

Should something ever happen to your home, you’ll need to have it rebuilt, a task that can be near-impossible if you’re underinsured. Home construction prices have been on the rise recently, which means your home-owner’s insurance may be outdated. 


Compare your coverage with modern home-building construction costs, and if the cost of building a new home is more than you’re covered for, you should seriously consider increasing your level of coverage.

Consult with an Experienced Maryland Insurance Company

Are you worried you may be underinsured? Worry no longer. At American Heritage Insurance, we’ve been providing the good people of Maryland with our insurance services for years. Give us a call today to learn about how you can increase your coverage, as well as what level of coverage is perfect for you and your family.

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.