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    Protecting Your Home and Assets

    Whether you're a homeowner or a renter, safeguarding your tangible assets is crucial. That's where a homeowners insurance policy comes into play. It provides protection for your home or apartment and covers the cost of replacing personal property lost in a fire or other disasters. Additionally, it serves as your first line of defense against potential lawsuits arising from injuries on your property.

    Understanding Policy Types and Their Value

    The price of this coverage depends on various rating factors. However, the real value lies in the insurer's quality and whether the policy is written based on named perils or all-risk basis. A named-perils policy only covers specific losses stated in the contract. On the other hand, an all-risk policy provides coverage for everything except the perils specifically excluded. With the all-risk policy, the burden of proof is on the carrier, not on you, in the event of a loss. So, give yourself peace of mind by investing in a well-written homeowners insurance policy that ensures comprehensive protection for your valued assets.

    • Sufficient Coverage Considerations:

      • Verify that your insurance coverage is adequate for current construction costs, excluding land value.
      • Avoid relying on the original purchase price for estimating rebuilding expenses, as costs may vary.
      • Some financial institutions may require  Maryland homeowners insurance matching your mortgage; ensure coverage aligns with rebuilding costs.
      • Even with a fully paid mortgage, retaining homeowners policy is crucial for safeguarding your home investment.
    • Swift Estimation Method:

      • Quickly estimate necessary insurance by multiplying your home’s total square footage by local building costs per square foot.
      • Contact local real estate agents, builders associations, or insurance agents to determine construction costs in your area.
    • Factors Influencing Rebuilding Costs:

      • Local construction expenses, structure square footage, and exterior wall construction type (frame, masonry, veneer) are influential.
      • House style (ranch, colonial), the number of rooms and bathrooms, roof type and materials, and additional structures impact costs.
      • Special features like fireplaces, arched windows, custom-built elements, and home improvements contribute to rebuilding expenses.
    • Coverage under Standard Homeowners Policies:

      • Typically cover disasters such as fire, lightning, hail, explosions, and theft.
      • Exclusions include floods, earthquakes, and damages from inadequate routine maintenance.
    • Liability Protection Overview:

      • Shields against legal actions stemming from bodily injury or property damage caused by you, your family, or pets to third parties.
      • Covers expenses related to legal defense in court and court-ordered damages.
    • Minimum Liability Coverage:

      • Most Maryland home insurance policies typically provide a minimum of $100,000 in liability insurance.
      • Higher coverage amounts are available and increasingly recommended.
    • Recommended Coverage Levels:

      • Advisable for homeowners to consider obtaining at least $300,000 to $500,000 in liability protection.
    • Expert Assistance from Gordon Insurance:

      • Let Gordon Insurance guide you in selecting a policy tailored to your specific needs.
      • Objective is to safeguard personal, business, or combined assets.
      • A well-chosen policy can mitigate the impact of common yet unforeseen risks in life.
    • How to Reach Us:

      • When exploring homeowners coverage in the DMV, contact us for a home insurance quote or further guidance.
    • Additional Living Expenses Coverage Importance:

      • Vital component of standard homeowners insurance.
      • Addresses extra costs when forced to live away from home due to insured events like fire or severe storms.
      • Encompasses expenses such as hotel accommodations, restaurant meals, and other living costs during home reconstruction.
    • Coverage Variation:

      • Differs among insurance companies.
      • Typically, policies offer around 20% coverage based on your home insurance in MD.
      • Some companies offer policies with unlimited loss of use coverage for a specified duration.
    • Consultation and Customization:

      • Essential to communicate with your agent or insurance company.
      • Confirm the extent of your coverage and its duration.
      • Option to enhance coverage with additional premium in many cases.

    Coverage Restrictions for High-Value Items:

    • Some MD home insurance policies may impose limitations on coverage amounts for valuables like jewelry, silverware, and furs.
    • Typically, there’s a cap on jewelry, often ranging from $1,000 to $2,000.

    Determining Limits and Restrictions:

    • Consult your insurance agent or refer to Section I, Personal Property, Special Limits of Liability, in your policy to understand these restrictions.
    • Keep in mind that insurance companies may also set limits on reimbursement for computers.

    Exploring Special Coverage Options:

    • If coverage limits appear insufficient, consider opting for a special personal property floater or endorsement.
    • These options allow you to insure individual items or collections separately.

    No Deductibles with Floaters/Endorsements:

    • Notably, floaters and endorsements don’t come with a deductible.
    • Premiums are determined based on the specific item (or collection), its value, and your location.

    Determining Item Value:

    • Establish the value of your items by providing your agent with a recent receipt or obtaining a professional appraisal for the item or collection.

    For more information on high value items, click here:

    Top features

    We represent multiple carriers to fit yourspecific needs and qualifications

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    Easy & Fast Quote

    Fill out our home insurance policy quote form and let's start talking. Get the coverage you need with just a few clicks!

    Extensive Knowledge

    Let Gordon Insurance review your existing policy or learn more about your needs to ensure appropriate coverage

    Save Money

    Gordon Insurance represents multiple carriers in order to get our clients the best value

    Our Services

    Coverage That Cares, Solutions That Secure
    Gordon Insurance provides a number of Personal and Business insurance solutions to fit your individual needs

    Comprehensive Insurance Solutions

    At Gordon Insurance, we offer a wide range of insurance products to meet the diverse needs of our clients. From personal insurance plans to business coverage.

    Personal Insurance Services

    Protect what matters most with our personalized insurance services. Whether you're looking for health, life, auto, or home insurance, our experts.

    Business Insurance Expertise

    Safeguard your business with our tailored business insurance plans. We understand the unique challenges Maryland businesses face and offer customized solutions.

    Workers Compensation Insurance

    Secure your business and employees with comprehensive workers' compensation insurance. We provide customized solutions to protect against workplace.

    Auto Insurance

    Drive with confidence with our comprehensive auto insurance policies. From liability to full coverage, we've got you covered on the road.

    Homeowners Insurance

    Protect your home and belongings with our home insurance quotes. We offer customized coverage options to suit your needs and budget.

    Commercial Insurance

    Our commercial insurance services are designed to cover a wide range of business needs, from property damage to liability concerns.

    Commercial Auto Insurance

    Whether you're transporting goods, providing services, or ensuring that your team can travel safely, our Commercial Auto Insurance is designed.

    Customers Have To Say About Our Services!

    Welding Repair LLCWelding Repair LLC
    07:42 23 Apr 24
    Great experience working with Mr. Gordon
    Krizzia SotilloKrizzia Sotillo
    14:53 25 Mar 24
    I have had a great experience with Gordon Insurance. I was able to get insurance for my business and vehicles. They are very knowledgeable and helped me find the best rate. They are always available when I have questions about my policy or when I need any documentation. Highly recommended!
    Jamie LipskiJamie Lipski
    11:11 11 Mar 24
    Gordon Insurance helped my business obtain Landlord insurance for a rental property. They are industry leaders in both rate and customer service, and I will continue to utilize them for future rental policies.
    Alex NorwoodAlex Norwood
    13:15 23 Feb 24
    Very responsive. I have been using them for about 10 years. Nothing but good things to say.
    Deb SalenDeb Salen
    21:44 26 Jul 19
    Sol is fantastic and the office staff, Christiana is superb.
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    Thank you for your interest in having Gordon Insurance provide you a quote. For a more accurate proposal, please select the appropriate product from the list below

    General Insurance Quote
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    What type of Insurance Quote are you interested in? (Select all that apply)

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    Auto Insurance Quote
    Address
    Address
    Address First Line
    Apt Number
    City
    State/Province
    Zipcode
    Required to get a more accurate Auto Quote
    Previous Residence
    Have you lived somewhere else in the previous 6 months?

    Previous Address

    Previous Address
    Previous Address
    Address First Line
    Apt Number
    City
    State/Province
    Zipcode
    Own or Rent your residence?
    Any incidents in the previous 3 years?

    Incident Information

    Has any company declined, cancelled or refused to renew your auto insurance policy for you or any listed driver in the last 3 years?
    Are there additional drivers?

    Additional Driver Information

    First Name
    Last Name

    Vehicle Information

    To get a more accurate proposal a VIN number for Vehicle would be required.
    Use Vin Number or Type in Make/Model/Year
    Please enter your VIN number
    Would you like to receive a quote for your home (often there is a discount to bundle)?
    Would you like to receive a quote for a renters policy (often there is a discount to bundle)?

    Residence Information

    Has your homeowners insurance been cancelled/declined/nonrenewed in the last 3 years?
    Does your property have a sprinkler system?
    Please note any renovations that have taken place

    Maximum file size: 104.86MB

    Potential Documents to Upload (Driver’s License, Insurance Card, Current Insurance Policy)

    For the fastest & most accurate response, please fill in as much as possible

    Home Insurance Quote
    Address
    Address
    Address First Line
    Apt Number
    City
    State/Province
    Zipcode
    Previous Residence
    Have you lived somewhere else in the previous 6 months?

    Previous Address

    Previous Address
    Previous Address
    Address First Line
    Apt Number
    City
    State/Province
    Zipcode

    Residence Information

    Has your homeowners insurance been cancelled/declined/nonrenewed in the last 3 years?
    Does your property have a sprinkler system?
    Please note any renovations that have taken place
    Would you like to receive a quote for your vehicles (often there is a discount to bundle)?

    Required to get a more accurate Auto Quote
    Any incidents in the previous 3 years?

    Incident Information

    Has any company declined, cancelled or refused to renew your auto insurance policy for you or any listed driver in the last 3 years?
    Are there additional drivers?

    Additional Driver Information

    First Name
    Last Name

    Vehicle Information

    To get a more accurate proposal a VIN number for Vehicle would be required.
    Use Vin Number or Type in Make/Model/Year
    Please enter your VIN number

    Maximum file size: 104.86MB

    Potential Documents to Upload (Driver’s License, Insurance Card, Current Insurance Policy)

    For the fastest & most accurate response, please fill in as much as possible

     

    Landlord Policy
    Mailing Address (Not your Rental Property Address)
    Mailing Address (Not your Rental Property Address)
    Address First Line
    Apt Number
    City
    State/Province
    Zipcode

    Rental Property Information (Click Add at the bottom to include additional Properties)

    Rental Property Address
    Rental Property Address
    Address First Line
    Apt Number
    City
    State/Province
    Zip/Postal
    Has your rental insurance policy been cancelled/declined/nonrenewed in the last 3 years?
    Have there been any claims for this property in the past 3 years?
    Briefly describe the claim and include approximate dates
    Does your property have a sprinkler system?
    Is there a Fire Place?
    Please note any renovations that have taken place

    Maximum file size: 104.86MB

    Potential Documents to Upload Current Insurance Policy)

    For the fastest & most accurate response, please fill in as much as possible

     

    Commercial Insurance Quote
    First
    Last
    Not required at this time, but we will need it at a later time
    Address
    Address
    City
    State/Province
    Zip/Postal
    Country
    What type of coverage are you seeking? Select all that apply
    How many years has the business been operating?
    How many years of experience do you have in the industry?
    Please enter the total number of employees (Including part time and yourself)
    What is the approximate Projected Annual Revenue from your business
    I.E : I am general contractor that renovates homes, HVAC company, run a marketing company, etc..
    Would you like to fill out the Worker Compensation questions now?

    Workers Compensation Questions

    If you know the class codes, please enter them here
    Do You Prefer Owners to be excluded from the Policy?
    Please enter in the total owners salary to be excluded
    Have You Had Any Claims or Coverage Lapses Over Last 3 Years?
    Would you like to fill out the Commercial Auto questions now?
    Provide Driver information now?

    Driver Information

    Required for an accurate proposal
    Required for an accurate proposal
    Provide Vehicle information now?

    Vehicle Information

    To get a more accurate proposal a VIN number for Vehicle would be required.
    Use Vin Number or Type in Make/Model/Year
    Please enter your VIN number

    Maximum file size: 104.86MB

    Please attach files that you would like us to have

     

    For the fastest & most accurate response, please fill in as much as possible

     

    Workers Compensation Insurance Quote
    First
    Last
    Address
    Address
    City
    State/Province
    Zip/Postal
    Country
    Please enter the total number of employees (Including part time and yourself)
    How many years has the business been operating?
    How many years of experience do you have in the industry?
    I.E : I am general contractor that renovates homes, HVAC company, run a marketing company, etc..
    If you know the class codes, please enter them here
    Do You Prefer Owners to be excluded from the Policy?
    Please enter in the total owners salary to be excluded
    Have You Had Any Claims or Coverage Lapses Over Last 3 Years?

    Maximum file size: 104.86MB

    Please attach files that you would like us to have including existing or previous policy

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    Frequently Asked Questions

    Factors such as the location, age, and condition of your home, as well as your claims history and credit score, can affect home insurance quotes.
    Homeowners insurance is important because it protects your home and personal belongings from unexpected events and provides liability coverage.

    Home insurance quotes vary due to differences in underwriting criteria, risk assessment, and coverage options offered by different providers.

    Yes, you can get home insurance for rental properties, which may include different coverage options compared to owner-occupied homes.
    Getting home insurance quotes typically takes just a few minutes when you use our online form.
    It’s a good idea to review your homeowners’ insurance policy annually or whenever you make significant changes to your home or personal property.
    Yes, obtaining home insurance quotes from our website is free and comes with no obligation to purchase.
    >Yes, you can customize your homeowner’s insurance policy by adding endorsements or riders to cover specific items or additional risks.
    If you need to file a claim, contact your insurance agent or company as soon as possible to report the incident and begin the claims process.

    Access your policy, certificates, ID cards. and more.

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    Contact Us

    Ready to explore your insurance options with Gordon Insurance LLC? Contact us today to get started on securing your peace of mind. Our team is eager to provide you with the coverage you need and the service you deserve.