Home Insurance

Home insurance policies can be difficult to navigate. Consumers can easily become overwhelmed with how much coverage they require as well as what type of perils are included with each policy. Policies may include coverage for specific events such as fire, theft, and storm damage or may have broader terms that protect the homeowner regardless of how the loss occurred. The inclusions within the home insurance policy will affect how much your annual premium costs.

Benefits of Home Insurance

When financing a home, most mortgage companies will require you to obtain a homeowner’s insurance policy. This protects their investment in the event damage occurs to the property. A named perils policy will list exactly what is covered under the plan while an open perils policy lists exclusions from coverage. The policy may include coverage for the dwelling, outdoor structures like sheds and garages, personal property, and costs associated with living expenses during the process of home restoration. Home insurance also saves you money since it prevents you from having to pay out thousands and thousands of dollars in the case of damage to your home or if someone tries to sue you while getting hurt on your property.

When it comes time to buy your policy, independent insurance agents will not only explain your coverage inclusions, but also tell you how much your premiums and deductibles will cost. Once the coverage goes into effect, you would get in touch with your insurance company to submit a claim. An adjuster will evaluate the damage and then offer a sum of money to cover repairs if the claim is found valid.

Finding Home Insurance Agents

Buying a home should be a joyous time for you and your family. Don’t let shopping for home insurance turn into a major headache. The Hogans Agency, Inc. will assist you in comparing policy rates and levels of coverage. Their group of independent insurance agents will provide you with recommendations on how to get the right amount of coverage to keep your valuables protected.

Client Testimonials

"The Hogans ^®Agency has been with us through every step of our journey and have become an extension of our team. They are true business partners. Matt and his agents are proactive and always seem to be one step ahead of every business decision that we make. They are a remarkable, hardworking, professional group! Hands down, the best in the industry.”

Amanda Skilling Biggart
VP of Finance and Administration & General Manager
Benchworks

“I called Hogans^® for a Homeowners and Auto quote and spoke to Drew. He was very quick in getting me my quote back and was a pleasure to deal with (I also saved over $250.00 from another policy). Great experience.”

David West
Kent County, MD

"We have been associated with The Hogans^® Agency for both our personal as well as business needs for roughly 30 years. This relationship has included the Real Estate and Insurance groups. Their overall level of industry knowledge and service is exceptional. In the relentless challenge of increasing costs of our Health Insurance for 37 employees, Hogans Agency has tirelessly sought options that provide the level of coverage for the employees at the lowest increases reported by other companies in the region and nationally. They have also been very active in securing Bonds for our construction projects. They are an excellent strategic corporate asset and attend to personal requirement with the same energy."

Ned Leverage
President
Life Science Products, Inc.

"Normally I am very reluctant to refer or recommend any person or service. However in the case of Hogans^® I have reached the point where I have no reservation at all. They are truly a full service Independent Agency. Which certainly is evident when you come to the bottom line of your quotes."

Collier Squire
Cecil County, MD

"The Hogans^® Agency was thorough and treated our situation with dignity and respect. They used their personal small town touch to deliver top-drawer, big city policies which resulted in an enormous cost savings without losing any coverage. The staff is super responsive and answers all correspondence quickly, politely and with the “Hogans’ flare”. We recommend Hogans with complete confidence that they will do the absolute best for all their customers. Thank you Hogans!”

Rick Marshall
President and Owner
Retail Connection LLC

Georgina Bliss
Client Services/Marketing/Office Manager
Retail Connection LLC.

"I have been a customer of Hogan's Insurance for over five years and have been very satisfied with their service. Chuck Woodfield has been my agent, and, over the years has been professional, courteous, and above all, accessible. Any claims, such as hurricane haul outs were settled in a timely manner with no questions asked. Last year, I had a grounding which could have ruined my charter season. The repairs were begun as soon as we hauled out, and with the help of Hogans' adjuster, everything was repaired or replaced in less than two weeks. Perhaps the best endorsement I can give for Hogan's is the fact that after one year of coverage, Chuck found a better policy for a cheaper price. I have never had an insurance company decrease my rates, and I plan on sticking with the company who is looking out for my best interests.”

Captain Greg Mayer
F/V Fishin' Frenzy

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Hogans® Agency

Home Insurance

Benefits of Home Insurance

Finding Home Insurance Agents

Get a quote now

Client Testimonials

Amanda Skilling Biggart VP of Finance and Administration & General Manager Benchworks

David WestKent County, MD

Ned LeveragePresidentLife Science Products, Inc.

Collier Squire Cecil County, MD

Rick MarshallPresident and Owner Retail Connection LLCGeorgina BlissClient Services/Marketing/Office ManagerRetail Connection LLC.

Captain Greg Mayer F/V Fishin' Frenzy

Hogans^® Agency