Homeowner’s Insurance
we insure homes you own and occupy
Frederick Mutual Secure® Home:
MARYLAND, PENNSYLVANIA, North Carolina and Virginia WE INSURE HOMES YOU OWN AND OCCUPY
Since 1843 Frederick Mutual’s insurance coverage has protected homeowners, their loved ones, and their personal property. When accidents arise our homeowners insurance will restore whatever damages that have occurred all while protecting your Peace of Mind. As a homeowner in Pennsylvania, Maryland, North Carolina, or Virginia you can trust that our homeowners insurance that has protected policyholders in your state for over 179 years will protect you and your home, family, and assets for the next 179 and beyond. Here are some of the homeowners coverage highlights!
Homeowner’s INsurance Coverage Highlights
• Personal Injury Coverage
• Additional coverage on collectibles, records, securities, and theft exposures of personal property
• Damage to property of others
• Increased Fire Department and Lock replacement
• Coverage for trampolines that meet underwriting eligibility
Covered Personal Property
Covered Systems and Equipment
we offer a Personal Umbrella to your Frederick Mutual Secure® Home Coverage
Complement your Homeowners or Dwelling Fire Policy with a Personal Umbrella. Added security and liability protection for your home!
$1,000,000 / $2,000,000 limits over your Secure® Home coverage
Extends over Personal Auto Carriers
Homeowners Insurance, Renters Insurance, and Rental Property Owners Insurance FAQs
1. What is homeowners insurance? Why is it important?
Homeowners insurance protects your peace of mind as a policyholder in case of a loss at your home to your personal property or bodily injury.
2. What is renter’s insurance? Why is it important?
Renters insurance protects your peace of mind when you are renting a house or apartment when a loss occurs to your personal property or bodily injury. It is important to protect yourself in someone else’s owned property as their insurance coverage will not cover your personal property or liability losses unless it was due to their negligence.
3. How does my local fire department impact my homeowner’s policy?
The closer your home is to the fire department the lower your deductible will be. Insurance companies rate the time a fire department could get to your home, as well as the proximity of fire hydrants in the case you have a house fire.
4. What is a deductible?
A deductible is an agreed amount on the insurance contract that you agree to pay in the case of a loss to your home. It is important to remember that if your loss does not exceed your deductible to not file it as a claim, that way your claim won’t be on your insurance record.
5. In plain text, what does homeowners insurance cover?
Homeowners insurance covers your personal property and bodily injury that may occur at your home.
6. As a property owner, should I expect higher rates on rental property owners insurance?
Typically rates can be higher since the property owner will not live on the premises and therefore doesn’t have the same diligence in preventing loss from occurring. This is why it is important to require that your renters have insurance as well.
Partner with our Insurance Agents
While Frederick Mutual was founded in Frederick, Maryland in 1843 we have expanded our area of operation from Maryland to Pennsylvania, Delaware, D.C, Virginia, and North Carolina. Our insurance products have evolved from homeowners insurance and business insurance to cyber coverage and employment practices liability insurance. Click here to view all of our offerings. As we evolve and adapt to the needs of the ever changing work and home environments we know we will continue to ensure the peace of mind for our policy holders for the next 178 years and beyond. You can request a quote today to get the coverage you need and we will connect to one of our local agents in your city and state. We look forward to protecting your peace of mind!