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Maryland Property Insurance Agent

Do you own expensive items you treasure dearly? If so, you should consider protecting them with insurance. American Heritage Insurance Agency can help you make sure your prized possessions are covered against theft, damage and other types of losses. With over 30 years of experience in the insurance industry, our Carroll County insurance agents have given many customers like you peace of mind.

Personal Property Coverage Under Homeowners’ Insurance

Most home insurance policies include coverage for personal property. This may include furniture, electronics, personal belongings and virtually everything you store inside the house. And if you’ve worked with your Maryland insurance agent to evaluate your risks, you probably have a good amount of coverage to pay for loss of personal property in case of a covered event.

However, this type of coverage has its limits. Your policy may pay up to $1,000 for your jewelry or up to $5,000 for your furniture. But what if you have an expensive collection of diamond ear rings or a set of Victorian dining chairs worth a fortune? In this case, you may need to schedule these valuable items.

What is Scheduled Personal Property?

You may have heard about scheduling personal property, but what does this mean? In the context of insurance, scheduling refers to insuring individual items or collections, such as jewelry, furs, coins, books etc. Scheduling allows you to set value for each specific item, as well as obtain broader protection for these items than a typical homeowner’s policy would offer. Frequently, scheduling personal property comes with no deductible and any new items you add to your collections get automatic temporary coverage until you officially add them to the policy.

Some of your personal property can be covered under your homeowner’s insurance, but for any specialized, rare, or unique items, you would be well served to have separate insurance protecting them.

property insurance

Personal Property We Insure:

  • Valuable articles
  • Private collections
  • Fine arts
  • Guns and other weapons
  • Jewelry
  • Silver and gold
  • China
  • Antiques

Contact our personal insurance representatives to help you choose the best coverage for your valuable items.

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.