Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Homeowners Insurance

Understanding the Ins and Outs of a Homeowners Insurance

Homeowners insurance provides protection in case your home or its constituents gets damaged. It also offers protection if you or your family member are held legally liable for injuries to others or destruction to their property. Most mortgage lenders also demand this insurance. Most insurance policies that protect your home include some basic policy coverage, but there are also many types of optional coverages that you can choose to protect the things that you consider important to you.

What’s covered and what’s not

Most home insurance policies will cater for damages caused by perils such as windstorms, lightning, fire, hail, vandalism, or theft. There are, however, other homeowner’s policies that cater to additional dangers too. Typically, earthquakes and floods are excluded.

Types of Home Insurance Coverage

Liability Coverage- it protects you if you are sued, or a claim is made against you for damages after someone gets injured on your property.

Personal Property Coverage– helps protect possessions inside your home, including furniture, stereos, bicycles, and much more. If the belongings are damaged or stolen outside of your home, this type of insurance could also help to refund them.

Dwelling [home structure] – protects your home’s physical structure, like the roof and walls.

Other Structures- offers protection to other physical structures on your premises that are different from your home. These structures can be things like a stand-alone garage or a shed.

Guest medical protection– covers the cost of medical bills for an individual who is injured while on your property.

Though not mandatory, you can also purchase an optional coverage such as the reimbursed living expenses insurance which covers increased living costs such as hotel stays and food in case your home becomes inhabitable following a covered loss.

Get a free estimate on this policy

I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

19756 Longmeadow Rd.
Hagerstown, MD 21742

186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702

12978 Garrett Hwy.
Oakland, MD 21550

602 Center St. Ste 107
Mount Airy, MD 21771

3 Hillcrest Dr. Unit A203
Frederick, MD 21703

24 Nationwide Lane,
Berkeley Springs, WV 25411

2433 Hedgesville Rd.
Martinsburg, WV 25403