Home Owners Insurance Products

Kiefer & Colbourne Insurance Agency offers a wide variety of home insurance products to protect and manage the risks of life. Place your mouse over a product line to view more information.
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Homeowner's Insurance

Homeowner Insurance protects your family’s home from many risks that take place to and around your residence. Typical policies cover a wide variety of losses to the house such as fire, wind, lightning, theft, water damage from burst or frozen pipes, or fallen trees as well as liability to cover injuries to other people. Additional coverage is usually included for additional living expenses, water backup of sewers and drains, and replacement guarantees for personal property and the dwelling. Endorsements may be added to provide special coverage for items such as jewelry, fine arts, computers, musical instruments or even golf equipment.

CALL US TODAY 410-546-9388 OR 800-649-3114

Condominium Insurance

Because condos consist of both common spaces owned by the association and private spaces owned by the condo owner, specific policies have been developed to cover each party. Condominium unit insurance will provide coverage like a homeowner policy to protect your personal property and your personal liability related to your individual unit. Condo Associations are under immense pressure to limit their association fees, and reducing coverage or increasing deductables are common methods to reduce premiums. Therefore, it is extremely important that your personal condominium owners policy "fill in the gaps" to avoid nasty surprises.

CALL US TODAY 410-546-9388 OR 800-649-3114

Renter's Insurance

The homeowner's or commercial property insurance policy that covers the physical dwelling you live in does not cover your possessions inside of the building. A renter's insurance policy (also known as a tenant's policy) provides protection for your personal property, such as furniture or electronic equipment, in case of perils like fire, theft or wind damage from a hurricane.
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Builder's Risk

Residential in Contractors Name, Commercial New Build, & Remodeling

CALL US TODAY 410-546-9388 OR 800-649-3114

Flood, Excess Flood Insurance

Did you know that your homeowner policy will not cover damages due to flooding? To help protect your home, the federal government has created the National Flood Insurance Program. Colbourne Insurance Agency participates in NFIP and we are able to provide that secure flood protection. The majority of Maryland homes are at risk for floods, not just waterfront homes. Most policies are less than $350 per year. Contact Colbourne Insurance Agency to help you determine if your home is located in a flood zone. Even if it is located in a low to moderate risk area you still might be interested in obtaining flood insurance for the needed protection against the unexpected.

CALL US TODAY 410-546-9388 OR 800-649-3114