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Homeowners Insurance for MD, VA and DC

Your home is your castle, the place where you want to feel safe from nature’s perils; but just when we least expect it, disaster can strike causing damage to your home and personal property.  We here at Community Insurance Services in Laurel, Maryland, have been helping homeowners like yourself protect their home and possessions for many years. If your home is located in Maryland (MD), Virginia (VA) or Washington, DC, we can help you too. 

Homeowners protection pays to repair or rebuild your home for damage caused by most common risks such as fire, lightning, wind and more damage or disaster.

These home insurance policies are generally standard throughout the U.S., and the terms and coverages vary depending upon the scope of protection and the type of home being insured.

Homeowners Insurance Coverages

Typically, when you purchase home owner insurance, it will include five types of essential coverages:

  • Your home – protection for your home and attached structures repair/rebuild property damaged by various covered perils & disasters such as fire, lightning, wind & hail.
  • Personal property insurance protection pays for your losses up to the limits of your policy when your personal belongings are stolen or destroyed by various covered disasters anywhere in the world.
  • Additional living expenses are paid up to the limits of your policy for extra living expenses incurred if you must temporarily relocate after a covered loss. 
  •  Other Structures – protection for detached structures on your property like garages. swimming pools, fences, and storage sheds
  • Liability insurance protection covers you against claims from others for bodily injury or damage to property caused by your negligence or that of your covered family member or household pet.

Are you relocating to Maryland (MD), Virginia (VA) or Washington, DC?

Why not review your homeowner policy needs with one of our experienced representatives who knows the guidelines for your state and who can discuss the many options and discounts available.  We look forward to speaking with you.


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The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Community Insurance Services before making any decisions or choosing a course of action.




What Our Customers Have To Say...

Community Insurance Services have always been there when we have needed them most. They always respond to our needs with fast and friendly service. We are very satisfied customers and plan to be for a long time to come. Thank you.--- Blair D.