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Free tool · Coverage checklist

Build the Homeowners Policy You Should Actually Have

Ten questions about your house, your assets and your risks. Out comes a coverage package, line by line, with the reason behind each one, ready to compare to your declarations page.

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Ten quick questions

Most homeowners policies in Maryland are sold with the carrier's default settings. This builds a coverage package around your actual house and life, with the reason behind every line, so you can compare it to your declarations page or hand it to us to quote.

Not sure? Run the Replacement Cost Estimator first. Condo owners: estimate the interior of your unit.
This sets liability limits. A lawsuit can reach what you own and, in some cases, future wages.
Please note: results from this tool are general estimations only and should not be taken as official insurance advice or a coverage determination. Please consult directly with a licensed Terrapin agent at 240-243-0042 for a more official estimate for your situation.

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Want this package quoted?

Leave your details and we'll turn your package into real quotes from the Maryland carriers that fit, and compare it to what you have today. No obligation.

We’ll review your results, compare your current coverage line by line, and quote the carriers that fit. Your information goes only to Terrapin Insurance Group, a licensed Maryland, DC and Virginia agency (MD #2073028).

Prefer the full form? Start a bundle quote →  ·  Upload your current policy

Frequently asked questions

What coverage should every Maryland homeowners policy have?

Dwelling at rebuild cost with extended or guaranteed replacement cost, personal property at replacement cost, loss of use, liability of at least $300,000 (usually $500,000), medical payments, and a deductible you could pay tomorrow. Then endorsements matched to the house: water backup for basements, service line for older neighborhoods, equipment breakdown, and scheduled valuables.

How much liability coverage do I need?

$300,000 is the floor and $500,000 is a small step up in premium. Once you have home equity, savings, a pool, a dog, a teen driver or rental property, a personal umbrella of $1 million or more does the real work.

Are endorsements worth it?

The useful ones cost little relative to what they pay. Water backup, service line and equipment breakdown respond to common, mid-sized losses that standard policies exclude. Scheduling jewelry replaces a low theft sublimit with full agreed value.

Does this replace talking to an agent?

No. It gives you a checklist and the reasons, so the conversation is faster and nothing gets left at the carrier default. Carriers decide which lines they offer on a given home.

Keep going

Read the guide
Maryland Homeowners Insurance Coverage Checklist: What Should Actually Be on Your Policy
The full article behind this tool, with FAQs.
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Tool results are general information from a licensed insurance agency and are not a quote, a coverage determination or legal advice. Policy wording and carrier decisions control. Terrapin Insurance Group LLC, MD License #2073028.

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