Homeowners Insurance

Frederick Mutual offers Homeowners and Condominium Owners Insurance for owner occupied dwellings located in Maryland and Pennsylvania. Many optional endorsements are available so you can customize a policy to suit your needs.

Ensure You Are Properly Insured

  • Make sure your home is properly insured for full replacement value, so you can make all necessary repairs.
  • Review your policy with your agent periodically, especially if you have made improvements that would increase the value of your dwelling.
  • Prepare a home inventory with a list, receipts, or a video of your belongings. Store it in a safe place and update when major items are purchased.

Preparing a Home Inventory

For assistance preparing a home inventory, visit the Insurance Information Institute’s Know Your Stuff website for more information and to download free software.