HOMEOWNERS INSURANCE

The Insurance that’s keeping you ahead

About Homeowners Insurance

Bayside Insurance can provide homeowners insurance for all types of property.

Whether you need insurance for your primary residence, secondary residence, or seasonal property – we have a variety of homeowner insurance products to offer.

Homeowners Insurance

Guaranteed Replacement Cost

Protection against property damage caused by tornadoes, fire, theft, wind, and flood is important in the changing climate we live in today. To be sure your home is properly protected, our agents will meet with you to review your needs thoroughly, explain your options, and help you to understand how the coverage you select can be applied in various situations, including adding living expenses, sump pumps, personal liability, identity recovery, and service line protection.

We guarantee replacement costs so there are no surprises.

Renters Insurance

It is important as a renter that you protect your belongings.

Bayside Insurance offers several renters policies that can be customized to your specific needs. Even if the owner of your rental property has insured the dwelling in which you live, that policy does not cover damage or loss of your personal belongings, or the cost to repair any damage you may unintentionally cause to the dwelling. To be sure your belongings are properly protected, our agents will meet with you to review your needs thoroughly, explain your options, and help you find the most affordable coverage.

Property / Building Owners Insurance

Owning a home/condominium and renting it out can create unique insurance needs.

Our policy review can include dwelling replacement cost valuation, contents replacement cost valuation, agreed value coverage for possessions, as well as multiple liability options. Condo owner insurance protects you, as the unit owner, against damage or loss to your personal property, from furnishings, TVs, and appliances to your clothing. Insurance can also cover the cost to replace keys and locks after a theft, reasonable emergency first aid expenses for people or pets, and even living expenses if you have to live somewhere else while your condo is repaired.

You may also add coverage for interior improvements and betterments, and other damages not covered by the condominium association. Bayside Insurance’s coverage can help you deal with financial losses if your condo or personal belongings are damaged or destroyed by weather events or disasters like a fire.

Mobile Home Insurance

Bayside Insurance offers coverage for mobile, manufactured, double-wide, and modular homes.

When something unexpected happens—a fire, a burglary, or a natural disaster, for instance—mobile home insurance can help cover the losses related to your home and your personal possessions.

If your home is damaged, we won’t leave you out in the cold. We cover the cost of temporary repairs that you make to your home to help protect it from additional damage, as well as cover the costs associated with living expenses if you need to be relocated. Whether it is boarding up damaged windows or tarping a hole in your roof after a bad storm – we make sure your coverage takes care of your immediate needs.

Personal Valuables Insurance

We all have things that we collect or buy that are worth the splurge, but these items may require extra insurance coverage.

Whether you have jewelry, artwork, musical instruments, antiques, firearms, cameras, coin, stamp, or baseball card collections, Bayside Insurance can help tailor a policy for your specific needs. Most home or renter’s insurance policies provide some coverage for collectibles, but they may not cover the full value of your more expensive belongings. Insuring these collectibles through Bayside Insurance will help keep them financially protected if they’re lost, stolen, or damaged. Policies can be written on individual items or entire collections.

Flood Insurance

Flood insurance coverage may be one of the smartest, safest insurance choices you make.

Floods can happen anywhere it rains – even in places where you would think it could never happen. Flood insurance covers damage from heavy or prolonged rain, coastal storm surge, melting snow, blocked storm drainage systems, or other similar causes. It gives you coverage that is not available through home or business insurance for the extensive repairs and devastating financial losses from such disasters.

Flood insurance is available for homes, apartments, manufactured homes, condos and businesses and can cover a building and its foundation, electrical and plumbing systems, air conditioning equipment, furnaces and heaters, appliances, such as clothes washers and dryers, refrigerators and stoves. It also can cover personal possessions, such as clothing, furniture and electronic equipment and if you rent, you can get coverage just for your personal belongings.

Get a Free Online Quote

For your convenience, you can request a free quote online. If you would prefer to speak to a knowledgeable member of our staff, we invite you to give us a call at our Chester or Easton, Maryland location. We’ll explain all the details—making your homeowners insurance decision an easy one.

 As your insurance partner,

We promise to deliver what you need.

CALL US TODAY - CHESTER OFFICE: 410-643-6641 or EASTON OFFICE: 410-822-2800

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