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Home Insurance

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Home Insurance Quotes Salisbury MD and surrounding areas

Protect your home. Protect your family.

For most people, buying a house means you’ve made it. After all, it takes a lot of hard work to get there. KCI can help you protect what you’ve worked hard for- your home and family.

An agent and agency that cares about you and a company that responds to you.

Lets face it your home is one of the largest investments you will ever make. So you need an insurance company that understands your insurance needs. Who will be always be there from the beginning, and always ready to help. Helping customers through tough times is what we do.

Let’s say, for example, a fire damages your house. As a result, you have additional living expenses while repairs are completed. Those expenses would come out of your pocket but your homeowners insurance pays covered expenses for you, up to policy limits. Even more, we will help make the claim process as quick and easy as possible.

We offer different coverage options to help get the protection you need. Check out the coverage descriptions below to learn more.

Dwelling: Pays for damage to your insured home due to a covered loss, like lightning or fire.

Contents coverage: Provides protection for covered loss to your movable property, like a stereo, bicycle, furniture or clothing.

Additional living expenses: If a covered loss makes your home (or part of your home) uninhabitable, this coverage helps you pay the reasonable increase in living expenses necessary to maintain your normal standard of living.

Family Liability: If someone is accidently injured or their property is damaged in a covered incident, this coverage provides protection for damages that you are legally obligated to pay. This protection does not cover auto liability claims.

Buy what you need- No more, no less.

With our homeowners insurance you can cover the basics. But maybe you have some special needs- more liability coverage for your family or extra protection for your wedding ring. That’s where optional coverage can be helpful. You get decide what’s right for you, what you need to protect your family and your home. Take a minute to look at some examples of optional coverage listed below.

Optional endorsements: include coverage for a variety of specific needs.

  • Jewelry
  • Sports equipment
  • Business property

There are many other options so just let us know if you would like a list of available endorsements.

Make life a little easier.

With the KCI Network, you choose how you want to work with us: your agency is always available, by phone, email, website, or after hours support. You can ask question, file a claim, request policy changes and more. And you can do all of this 24 hours a day, 7 days a week.

Speaking of Insurance.

Most people have heard of these common insurance words. But here’s a helpful refresher course on what they mean.

Covered Peril- An event causing damage to your home or property that is covered by your insurance. Fire, lightning, and wind and hail damage are some examples of covered perils.

Deductible- the amount of repair or replacement costs that you’re responsible for paying before insurance pays.

Endorsement- changes the language of your policy. It may add or restrict your current coverage limits or policy terms.

Limit the maximum amount that may be paid by your insurance company for a covered loss.

Policy another name for your insurance contract. Your policy includes your policy jacket, declarations pages, and applicable endorsements.


You guys were great in not only answering all my questions, but also finding me the best coverage at a great price. I can’t thank you enough.

Sarah Md.3