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Homeowners Insurance for MD, VA and DC Home OwnersYour home is your castle, the place where you want to feel safe from nature’s perils; but just when we least expect it, disaster can strike.  We here at the Ewing Hines & Associates Insurance Agency  in Kensington, Maryland,  have been helping homeowners like yourself protect their home and possessions for many years. If your home is located in Maryland, Virginia or Washington, DC, we can help you, too.

Homeowners insurance is your protection against loss resulting from home-related damage or disaster.

These home insurance policies are generally standard throughout the U.S., and the terms and coverages vary depending upon the scope of protection and the type of home being insured.

Homeowner Coverages

Typically, when you purchase home owner insurance, it will include four types of essential coverages:

  • Liability insurance protection covers you against lawsuits or claims from others for bodily injury or damage to property caused by your negligence or that of your covered family member or household pet.
  • Personal property insurance protection pays for your losses up to the limits of your policy when your personal belongings are stolen or destroyed by various covered disasters anywhere in the world.
  • Structural insurance protection covers partial or full cost to repair/rebuild your house damaged by various covered disasters, and it often can include other detached structures on your property like garages and storage sheds.
  • Additional living expenses are paid up to the limits of your policy  during the repair/rebuild process if you must live away from an uninhabitable home damaged by a covered disaster. If part of your home is rented out and you lose rental revenue because damage renders it uninhabitable, this coverage reimburses for lost rent.

Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.

Are you relocating to Maryland, Virginia or Washington, DC?  Why not review your homeowner policy needs with one of our experienced representatives who knows the guidelines for your state and who can discuss the many options and discounts available.  We look forward to speaking with you.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those atthe Ewing Hines & Associates Insurance Agency before making any decisions or choosing a course of action.

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