Maryland HO8 Insurance

Maryland HO-8 Insurance policy is designed for older homes in Maryland. The Maryland HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Maryland are Mercury, State Farm Bureau and AAA and they operate in cities such as Baltimore, Silver Spring, Rockville or Baltimore.


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What Will HO8 Insurance Cover in Maryland?

A standard home insurance policy in Maryland whether you live in Baltimore, Baltimore or Silver Spring will cover most damages to your MD home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Maryland HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Maryland. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Maryland?

The policy will cover any home in the state Maryland such as:
  • Baltimore, MD
  • Baltimore, MD
  • Silver Spring, MD
  • Bethesda, MD
  • Rockville, MD
  • Gaithersburg, MD
  • Ridgely, MD
  • Hagerstown, MD
  • Hyattsville, MD
  • Bowie, MD
  • Annapolis, MD
  • Frederick, MD
  • Cumberland, MD
  • Laurel, MD
  • Capitol Heights, MD
  • Towson, MD
  • Upper Marlboro, MD
  • Waldorf, MD
  • Salisbury, MD
  • Cockeysville, MD