- 1/02/19 -
Bought a new home? Not happy with your current coverage or rates? Our Carroll County homeowners’ insurance agents at American Heritage Insurance Agency can help you find the right amount of coverage for the best price. We represent several national and regional home insurance providers, which means there are many policies to choose from!
We Offer Homeowners’ Insurance for:
- Primary residences (your home)
- Secondary residences (vacation homes and other real estate you own and periodically use)
Shopping for a Homeowners’ Insurance Policy
There are many things to consider when shopping for homeowner’s insurance. The policies will be very different for someone who just purchased a starter home and an established family of retirement age. Here are some of the steps we go through to help you find the best coverage for the best price:
- Reviewing limits on your dwelling, personal property, and collectibles.
- Explaining the benefits of scheduling valuable items and reviewing limits for these items on your current policy(ies).
- Assessing risks and recommending coverages suitable for items such as swimming pools, trampolines, dirt bikes, ATVs, snowmobiles, boats, and jet-skis.
- Looking for credits and discounts.
What is Secondary Residence Insurance?
A second residence can be a vacation home by the lake or an apartment in the city where you stay when you have to travel for work. Your second residence may or may not be covered under the same policy as you primary home, depending on your insurance provider. Typically, a second residence would require a separate policy, and it’s a smart approach, because the risks and coverage requirements differ.
Consider the fact that your bungalow by the lake may be far away from emergency response departments. And your apartment in the city will stay vacant most of the year, so it may be under higher risk of burglary. Also, if you are thinking about renting out your secondary residence at any point, you may need additional coverage to protect yourself from liability for tenant injuries. American Heritage can help you assess these and other risks and find the right policy.
How to Pay Less for Home Insurance
Different insurance providers offer different credits to help low-risk homeowners save on their home insurance rates. Here are some of the low-risk factors you should be aware of:
- Combining home, auto and other policies under the same provider
- Living in a gated community
- Replacing old pipes, wiring, etc.
- Installing sprinkles, fire alarms and carbon monoxide detectors
- Using home security systems
- Being 55 or older (mature insured credit)
- Maintaining a non-smoking household
Contact our Carroll County insurance agency to request a homeowners’ insurance quote and help you maximize your discounts.
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.
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