Home Insurance in Salisbury

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Enjoy Life in Salisbury, Maryland

Salisbury, Maryland, enjoys a picturesque setting along the Atlantic coast. Baseball lovers can look around the Eastern Shore Baseball Hall of Fame and then catch the Delmarva Shorebirds playing at the Arthur W. Perdue Stadium. Animal lovers will enjoy strolling through the Salisbury Zoo. With all the city has to offer, it's no wonder that just over 33,000 people call Salisbury, MD, home.

If you are looking for something outside of town, you can enjoy the beaches of nearby Ocean City or Assateague Island. If you prefer a more natural setting, head to the Blackwater National Wildlife Refuge, where you can hike on miles of trails.

According to U.S. Census estimates. roughly 25% of Salisbury homes are owner-occupied, with an average home value of $170,200. The cost of living in the city is slightly below the state average. VIU by HUB can help keep costs down by helping you compare rates for home insurance in Salisbury.

Purchase the Coverage You Need for Salisbury Risks

Most home insurance policies include five core coverages: liability, medical payments, personal property protection, dwelling coverage and additional structures insurance.

  • Liability insurance pays for legal fees and medical care if someone becomes injured or suffers property damage on your property.
  • Medical payment coverage pays for minor medical care costs regardless of fault.
  • Personal property protection pays to repair or replace items such as furniture, clothing or electronics that are damaged in a covered loss.
  • Dwelling coverage pays to repair your home after physical damage. It can also pay to rebuild it if it cannot be repaired.
  • Additional structures insurance is similar to dwelling coverage, but it protects outbuildings such as sheds or detached garages.

Homeowners may opt to add additional protection as appropriate for their situation. Options include temporary living expenses, high-value personal property coverage and flood and hurricane insurance.

Flooding is a major risk in Salisbury, MD. About a quarter of residential properties in the city face a moderate risk of flood damage over the next 30 years. Homeowners should review flood maps, which are available online. to determine their individual risk. If your home is in a flood-prone area, you may want to purchase flood insurance in addition to your standard home insurance in Salisbury.

According to Risk Factor. 100% of homes in Salisbury are at risk for wind damage in the coming decades. Check your policy to see if wind damage is covered. If it is not, consider shopping for hurricane insurance to protect your investment.

Save on Your Home Insurance in Salisbury

Homeowners will pay an average of $1,485 per year or $124 per month for a Salisbury home insurance policy. This is slightly higher than the state average. Several factors can impact how much you pay for home insurance, including the risk of natural disasters and crime rates.

Salisbury has a higher-than-average risk of natural disasters thanks to its location on the coast. It also has a significantly higher risk of violent and property crimes compared to the rest of the state. Combined, these factors result in higher than state average rates for Salisbury home insurance.

Homeowners can take steps to potentially lower the amount they pay for insurance. Maintaining a clean claims history, taking advantage of available discounts and installing security features in their homes are a few examples of cost-saving strategies.

Insuring your Maryland house is crucial to protecting yourself from financial loss. VIU by HUB makes shopping for home insurance in Salisbury simple.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



Data USA

Maryland Digital Flood Maps

Neighborhood Scout

Nerd Wallet

Risk Factor

U.S. Census Bureau

U.S. Fish & Wildlife Service

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