- 9/04/20 -
Whether you are a seasoned landlord or just entering the real estate business, American Heritage Insurance Agency can help you make sure you and your rental properties are protected. Based in Eldersburg, MD, we serve landlords in Carroll County, Howard County and all over Maryland. Well-versed in landlord-tenant relationships, our experienced staff is always here to answer your insurance questions or help find the best coverage.
Landlord Risks You Should Consider
Each business comes with its share of risks. And although being a landlord sounds simple enough, there are many risks involved that can easily bankrupt you if you are not prepared:
- Natural disasters, floods, house fires, hail, lightning, etc.
- Theft, burglary and vandalism
- Damage to the property caused by tenants
- Damage to the tenants’ property
- Responsibility for injuries to tenants or others on the rental property
These are some of the key risk factors you should consider when shopping for a landlord insurance policy. And our Maryland landlord insurance agents can help you determine the right amount of coverage for well-rounded protection.
Why Can’t I Keep My Homeowners’ Policy?
Although your homeowners’ insurance policy offers similar coverage, it can’t replace landlord insurance. One of the reasons is that your insurance provider can simply deny your claim because it’s outside of the scope and intention of your policy. And you would also miss out on certain types of coverage only a landlord policy would offer, such as replacement of the lost income in case your property is deemed unlivable and can’t be rented until repaired.
Having Landlord insurance provides you additional coverage tailored towards situations often faced by other Landlords. We will assist you in determining what options you need and what you don’t.
Landlord Insurance Benefits
- Fair rental income coverage: get paid while you property is being repaired and can’t be rented.
- Broad property damage and injury liability protection.
- Works for single-family homes, row homes, duplexes, multi-family units, etc.
- Covers your property, adjacent structures and your items inside those structures.
Get in touch with our Maryland landlord insurance agents to talk about your insurance needs.
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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