Renters Insurance Edgewood Md

Renters Insurance Edgewood Md
When renting a home, apartment, or even a dorm, you need
renters insurance to protect you and your rental property. John
Philip Insurance can offer you affordable renters insurance with
coverage that perfectly made to meet your needs. Renters
insurance also protects you if an accident happens at your home.
Renters insurance can pay if you’re liable for damages to others’
property. It can also pay if injuries occur at your residence and
help with the cost of legal defense. Even the cost of a small
accident adds up quickly. Make sure you’re protected with the
right renters insurance from John Philip Insurance.

Renters insurance is affordable
Renters insurance is surprisingly affordable. John Philip Insurance allows you to tailor your
coverage so that you get the insurance you want at a price you can live with. John Philip
Insurance offers a variety of ways to save even more on your renters insurance. We offer
discounts for:
‣Monitored fire and burglar alarms
‣Local ultrasonic burglar alarms
‣Dead bolt locks on all exterior entryways
‣Fire extinguishers
‣Sprinkler systems
‣Renters insurance combined with auto
‣Renters Insurance Coverage - Renters insurance policies typically provide basic protection for
your property. But they may not provide all of the protection you want or need. Consider these
renters insurance coverage options and tailor a policy that’s right for you.
‣Personal liability -Covers bodily injury and property damage to others caused by your actions
and/or negligence.
‣Medical payments - Can pay up to an additional 20 percent of the home coverage limit if there
is a total loss of your home – and additional money is needed to rebuild.
‣Extended replacement cost on contents - Pays to replace or repair personal property without
depreciation being taken from the value of the property.

Commercial or Business Insurance
Business Owners Policy
A policy that combines property, liability
and business interruption coverages for
small- to medium-sized businesses.
Coverage is generally cheaper than if
purchased through separate insurance
policies.
Products for and bought by businesses.
Among the major coverages designed are
boiler and machinery, business income,
commercial auto, comprehensive general
liability, directors and officers liability, fire
and allied lines, inland marine, medical
malpractice liability, product liability,
professional liability, surety and fidelity,
and workers compensation. Most of these
commercial coverages can be purchased
separately except business income, which
must be added to a fire insurance
(property) policy.
Commercial General Liability Insurance
A broad commercial policy that covers all
liability exposures of a business that are not
specifically excluded. Coverage includes
product liability, completed operations,
premises and operations, and independent
contractors.
Workers Compensation
Insurance that pays for medical care and
physical rehabilitation of injured workers
and helps to replace lost wages while they
are unable to work. State laws, which vary
significantly, govern the amount of benefits
paid and other compensation provisions.

RV Insurance
Your RV is your home away from home. You need to know you’re protected whether you’re on the
road or parked. We offer coverage when your RV is used for pleasure, your traveling primary
residence or non-traveling primary residence.
We offer affordable and flexible coverage for:
‣Motor Homes
‣Fifth Wheels
‣Travel Trailers
‣Campers
‣Pop-Ups
Our coverage options include:
‣Comprehensive and Collision
‣Emergency Expense
‣Bodily Injury
‣Trailer Coverage
‣Replacement Cost of Personal Effects
‣Property Damage
‣Uninsured and Underinsured Drivers
‣Roadside Assistance

Boater’s Insurance
Boat Insurance is coverage provided to owners of boats to cover the loss or damage to their
vessel, or any cargo on board, between the points of origin and destination. Everyone who owns
a boat needs to ensure that they, their vessel and their belongings are adequately protected in
the event of an incident.
Although owners are not legally required to hold boat insurance to sail, it is always highly
recommended for the protection of yourself and others in the same way that it is advised to
obtain home insurance. Damage to your boat, or even someone else’s boat could cost a lot of
money, particularly if it is damaged beyond repair. A sufficient insurance policy will be able to
protect you against any financial loss in these circumstances.
If there are any complex arrangements relating to your boat such as mooring or shared
ownership arrangements, it is important that you make your insurance provider aware. Boat
insurance is not available off the shelf as every individual and vessel has different requirements
so it is essential that you ensure your boat is fully covered in every possible event.

ATV Insurance
We know you love your all-terrain vehicle, or ATV, whether you’re a rancher,
hunter, or trail rider. We also know that you want to be covered if your ATV is
stolen or badly damaged.
With our wide variety of four wheeler classes and expertise, we will find the
right ATV insurance quotes and coverage to fit you and your off road vehicle.
What can be covered?
‣Golf Carts
‣ATVs
‣4-, 6-, or 8-wheeled utility vehicles
‣G.E.M. vehicles (Global Electric Motorcars)

For More Information Please Visiat
http://www.johnphilipinsurance.com