The improvements in spatial accuracy provided by the new base map, and the availability of electronic floodplain information should greatly enhance the ability to use the renters insurance application pdf for planning, permitting, and insurance applications. State at 3 years or less.
Currently, 4 of the 6 oldest floodplain mapping products are in production to be remapped. Baltimore City, Baltimore County, and Montgomery County. Researching Your Future Flood Risk The DFIRMs are being released on a community by community basis. It is important to investigate your flood risk status and contact your insurance agent to make necessay modifications to your coverage while the maps are still preliminary. The digital files will be available when these maps become effective. Using This Website To use this website we recommend starting with your area of interest. If you are interested in an entire community, please visit the Communities section.
Technical Requirements To use this website it is recommended to use a high speed internet connection with Mozilla Firefox, Google Chrome, or Microsoft Internet Explorer Versions 9. Compatibility view needs to be enabled if running Internet Explorer Version 9. Whether it’s your first home or tenth, updated homeowners insurance is vital to protecting your property and possessions. 14 percent are unsure when — if ever — they last reviewed their policies. But of those with an inventory, more than 40 percent haven’t updated it in more than a year. Always shop around and compare the costs of comparable coverage from different insurers to get the best value.
For homeowners, insurance protects your home’s physical structure, as well as your personal property. In contrast, renter’s insurance only protects your personal property. Never assume that the landlord’s insurance covers you or your belongings. Landlord’s insurance only protects the building. Both homeowners and renters may need protection against liability for accidents that injure other people or damage their property. Your homeowners insurance policy likely covers several types of coverage.
It’s important to read the fine print to really understand what coverage you are getting. Find out more about the types of coverage usually listed in your insurance policy. Non-smokers might pay less for homeowners insurance than smokers. Good credit history can lower your premiums as many insurance companies consider credit history when determining how much to charge you for insurance. Your previous claim history has a big impact on your premiums. Consolidating homeowners and auto policies with the same insurer can provide a multi-policy discount. Re-evaluate your risk profile at least once a year to ensure your existing homeowners policy provides the protection you and your family needs.
Plan to review your policy at the same time each year. Are earthquakes, wildfires or other disasters now a threat? Do I need a flood insurance policy? Floods are not covered by a typical homeowners policy, so you’ll need additional coverage. Disasters can be a huge threat to your home. Get tips for preparing your home before a disaster strikes. What has changed in my home?
Have I made any major purchases? Be aware that certain personal property items, such as jewelry, antiques and artwork, may need special added coverage. Have I updated my home with a kitchen renovation, new security system or other improvements? Many insurers offer a discount if you have a burglar alarm, deadbolts on doors or security devices for windows. Should I be looking at different coverage?
Can I save money by bundling my home and auto insurance? Shop around to compare coverage options and prices. Do I have a home inventory? A home inventory is an invaluable tool to use before disaster strikes. Create one to catalog your personal property and include photos or video of each room.
Shop Around — Compare rates for plans that offer the same coverage. Review Annually — Your needs will change over time. 1991 – 2018 National Association of Insurance Commissioners. Confirm are registered service marks of the National Association of Insurance Commissioners.