Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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What are the benefits of getting a home insurance policy in Maryland?

For people that are in the Cumberland, MD area, investing in your future and buying a home is a great financial decision that can pay dividends in the future. When you are going to purchase a home here, you also need to make sure that you get proper insurance. Several benefits come when you get a home insurance policy. 

Coverage Protects You and Your Home

One of the main reasons to get a home insurance policy is to give you coverage for your home and yourself. A home insurance policy will give coverage that will help to repair or rebuild your home and even replace personal assets if you suffer a loss. At the same time, home insurance includes a liability insurance provider that will give protection if anyone ever files a liability claim against you.

Coverage is a Requirement

Another benefit that will come when you get home insurance is that you will receive coverage that complies with various agreements. A property owner in this area of Maryland is likely to take out a mortgage when they buy their home. If you take out a mortgage, you will need to comply with the lender’s insurance requirements. Those that live in certain areas may also have a home association that has insurance requirements as well.

Anyone in the Cumberland, MD area that needs to get home insurance should spend time considering all of their options. If you are going to get an insurance policy here, you should speak with the team at Knippenberg Insurance Inc. The insurance team at Knippenberg Insurance Inc. can provide you with the support you need to build an appropriate policy that protects you and your property. 

Reasons Why Home Insurance Is Important

A new house is the biggest purchase you will ever make in your life. Imagine how devastating it would be to lose it in a flood or fire. The good news is that it will not happen to you if you have proper home insurance. It will protect not only your house but also all your belongings. Therefore, even though it is not obligatory to have home insurance in Maryland, you still need to think about getting it if you live in Cumberland, MD, or any other surrounding towns. Knippenberg Insurance Inc. provides you with a few reasons why it is so important:

Financial Security

If your house is damaged by fire or flood, repairs can be quite expensive, and you might not be able to cover them yourself. However, if you home insurance coverage, you have nothing to worry about; your insurance will cover all the expenses. It will even pay for your temporary housing if your home becomes uninhabitable. 

Getting Mortgage

The state of Maryland does not require homeowners to have home insurance. However, if you need to get a mortgage, then home insurance becomes a necessity. No lender will give you a loan without home insurance because he wants to protect their financial interest. 

Protection of Your Assets

You may have certain assets in your house that are important and valuable. This can include furniture, electronics, art objects, jewelry, clothing, and others. Home insurance will protect not only your house but also all the belongings. Therefore, if your assets are damaged or destroyed by fire or stolen, the home insurance coverage will cover your loss. 

Home insurance is a necessity, not a luxury. If you have just gotten a new house or you are thinking about purchasing the one in Cumberland, MD, Knippenberg Insurance Inc is ready to assist you in finding the best home insurance plan based on your needs and budget. Give us a call today to talk to one of our agents and discuss the options available. 

Partner Carriers


  • Allstate
  • Amwins
  • Chesapeake
  • Foremost
  • Guard
  • Hagerty
  • K&K
  • Liberty Mutual
  • MetLife
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Tapco
  • The Hartford
  • Travelers
  • Zurich