Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance?

Home Insurance in Columbia, MD:

Home insurance, offered by Clayborne Insurance and Investments in Columbia, MD, is a vital protection for homeowners. It provides coverage for your dwelling, personal belongings, and liability in case of unforeseen events like fires, thefts, natural disasters, and more. With comprehensive home insurance, you can have peace of mind knowing that your investment and belongings are safeguarded.

At Clayborne Insurance and Investments, we understand that every home is unique, and so are the insurance needs of homeowners. Our home insurance policies in Columbia, MD, can include dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. We work closely with you to tailor a policy that suits your specific requirements and ensures that you're adequately protected against the unexpected.

Home Insurance in Wirtz, VA:

Clayborne Insurance and Investments offers essential home insurance coverage for homeowners in Wirtz, VA. Home insurance provides financial protection for your residence, personal belongings, and liability in case of unforeseen events like fires, thefts, storms, and more. With comprehensive home insurance, you can have confidence that your home and possessions are shielded from unexpected risks.

In Wirtz, VA, we recognize that each home is distinct, and so are the insurance needs of homeowners. Our home insurance policies can encompass dwelling coverage, personal property coverage, liability coverage, and additional living expenses coverage. Clayborne Insurance and Investments collaborates with you to design a policy that meets your specific needs and ensures that you're well-covered against life's uncertainties.

Please note that the above definitions and paragraphs are provided for illustrative purposes and may be adjusted to match the specific services and offerings of Clayborne Insurance and Investments.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

    Contact us to learn more about the right homeowners insurance for you.
 (800) 515-9519
​Maryland Office:
5560 Sterrett Pl #104
Columbia, MD 21044
Virginia Office:
Wirtz, VA 24184​
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