Monument Insurance Frequently Asked Questions

People choose us for a variety of reasons, such as our speedy car insurance quotes, exceptional claims service, and the fact that we've been providing outstanding car insurance since 1998.

According to Money Geek, there are 28 million uninsured drivers in the U.S. We hope you'll choose us when you need auto insurance Glen Burnie, MD drivers trust.

Your rate for auto insurance in Glen Burnie, MD is determined by many factors, including your driving history and the type of vehicle you own.

To get the most accurate quote, you need to supply your car's make, model, and year, as well as information about your driving history. To purchase an auto insurance policy, you'll need your vehicle identification number (VIN) handy. We'll also ask for your Social Security number and driver's license number. When you're ready to get auto insurance Glen Burnie, MD drivers recommend, give us a call for a quote.

While home insurance isn't mandated by law in any state, your lender will typically require proof of insurance before purchasing your new home. Even if your home is paid in full, you want to insure what is likely your most valuable asset — not to mention the roof over your head.

To learn more about our home, renters, and auto insurance Glen Burnie, MD residents rely on, give us a call today. We'll help you get the right policies for your situation.

No, your belongings (anything that isn't attached to your home, including items in a storage unit) are typically covered under any homeowners, condo, or renters insurance policy, up to specified limits. For more information about what is covered under any of our home, renters, or auto insurance in Glen Burnie, MD, feel free to give us a call.

Here are some notable coverage exclusions on standard homeowners insurance policies:

• Earthquakes: Your home insurance policy won't cover earthquakes, but you may be able to purchase a separate policy or endorsement for earthquake coverage in certain states.
• Floods: Homeowners insurance generally won't cover water damage from outside of your home, but you may be able to buy specialized flood insurance.
• Mold and mildew: While mold or other bacteria caused by something accidental is typically covered, home insurance won't cover mold from neglected maintenance or water leaks.
• Termites: Termite infestations are viewed as preventable and won't be covered under your home insurance.

If you need a new policy for home or auto insurance Glen Burnie, MD residents trust, give Monument Insurance a call today.

The amount of coverage needed primarily depends on two factors:

1. How much personal property do you have? Taking a home inventory can help you determine the combined worth of all your belongings. For example, if your belongings total $30,000 in value, then you need at least that much in personal property coverage.

2. What is your net worth? If you're liable for someone else's injuries or property damage, you need enough liability coverage to cover what you have to lose. For instance, if your assets add up to $100,000, you need at least that much in liability coverage.

For more information on how to choose a policy for home, renters, or auto insurance Glen Burnie, MD residents love, call our local insurance agents today.

Your renters policy won't cover certain incidents, including damage or injuries resulting from:

• Termites, rodents, bedbugs, and other pests
• Flooding, earthquakes, and sinkholes
• Aggressive dog breeds (check with your provider for details)

Additionally, while your belongings stolen out of your car are covered under renters insurance, the actual vehicle is covered by your auto insurance in Glen Burnie, MD.

While landlords likely have an insurance policy in place to cover damage to their rental property, renters insurance protects against damage to the renter's belongings — which means less liability for landlords if the tenant's belongings are damaged or a tenant causes damage to another tenant's unit. Moreover, if there is a fire or significant damage to the rental, causing the renter to live elsewhere while the repairs are made, additional living expense coverage on a renters insurance policy can pay for temporary housing. Some landlords may require you to list them on your renters insurance policy before you can move in.

If you need home, renters, or auto insurance in Glen Burnie, MD, call our insurance agents today. We'll help you get the best coverage for your situation.

Your policy won't cover damage due to flooding. However, your personal belongings are typically covered if the water damage is sudden, accidental, and comes from inside the residence.

If you have any questions about your home, renters, or auto insurance in Glen Burnie, MD, we have the answers you need. Give us a call today!