A home is one of the most important investments you’ll ever make. Make sure your investment is protected. Let Sandy Spring Insurance recommend insurance coverage that will protect your home-and give you peace of mind.
Co-op / Condo Insurance
Most condo associations provide buyers with insurance. But many buyers aren’t aware of the limitations of their coverage-in many cases coverage is only provided for the building to the inside walls. Insurance for fixtures and appliances, as well as personal property and liability must be purchased separately. Sandy Spring Insurance can review your condominium documents and advise you on coverage’s that will enhance your security.
A form of homeowners policy sold to persons who rent their living quarters or who are co-op apartment owners.
Most lenders require certain properties carry flood insurance under a separate policy. Since homeowners insurance typically excludes flood coverage, we can ensure that you meet these requirements under a separate policy.
Valuable Items Floater
Do you have any antiques, fine art, silverware, coins, stamps or furs? Do you know if they are fully covered? Sandy Spring Insurance can design a program that provides full replacement coverage for these and other specialized items.
A combination of physical damage and liability coverage. The physical damage protects the insured vehicle in the event of a loss. The liability provides coverage in the amount specified in the policy for physical damage done to another vehicle or object as well as bodily injury.
A form of liability insurance protecting policy holders for claims in excess of the limits provided on the homeowners or automobile policy.