Homeowners Insurance
Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Homeowners Insurance Information

Homes are not invincible, and accidents can occur at unpredictable times and create significant financial issues. Homeowners insurance, or home insurance, can provide financial protection for homeowners by limiting potential out-of-pocket costs following a covered incident.
How Home Insurance Works
Home insurance works as an agreement in which insurance carriers offer homeowners financial protection against home-related accidents, such as weather damage and fires. In exchange for financial protection, homeowners pay insurance providers a premium on their policies.
Policies vary among homeowners, but standard homeowners insurance will often include coverages such as dwelling coverage, liability coverage, other structures coverage, contents coverage and loss of use coverage.
How Much Does Home Insurance Cost?
Factors such as the policyholder’s claims history and the home’s location may impact homeowners insurance rates, so coverage rates can vary significantly among homeowners. Insurance rates may increase if you file more than one claim during the same coverage period. Reach out to Mann & Gray Insurance Associates to learn more about potential rates.
How Much Home Insurance Do I Need?
Maryland does not require homeowners insurance, but homeowners should insure their homes for the total replacement value. Total replacement value is the house’s square footage multiplied by the area’s average cost per square foot. Regardless of recommendations, carrying adequate homeowners insurance can limit your chances of covering extensive out-of-pocket costs after a covered accident occurs.
Contact Our Agency
If you are a resident of Fruitland, Maryland, and are looking for homeowners insurance, the agents at Mann & Gray Insurance Associates can assist you in deciding on the right coverage for your home.
Contact our agency today at 800-437-3888 to learn more about your coverage options.
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