Disasters May Not Be Covered By Your Homeowners' Insurance

It seems prophetic that the movie Evan Almighty opened in theaters this summer. This appears to be the year of the flood. Right now portions of the Midwest would make great location shots for Steve Carell's new movie. This week's severe storms seem to be one in a string of flood-makers that have deluged the nation, including Maryland. And hurricane season is just beginning!

Before disaster strikes, you should inspect your homeowners' insurance policy. After a flood or other disaster, many homeowners are shocked to find out they are not covered. Many homeowners assume that everything is covered by their homeowners' policy when, in fact, quite a number of disastrous events are not covered by standard policies. Often an additional rider or specialized insurance must be purchased. This is true of flood insurance which is available only from FEMA's National Flood Insurance Program, not your local home insurer.

"No policy covers everything," said Joel Brown, a State Auto vice president. Exclusions fall into three categories:

• Catastrophic events that are too big and expensive to insure, such as flood; nuclear, biological or chemical contamination; war or riots.
• Items that should be insured under a more suitable policy, like cars or businesses.
• Custom insurance that not everyone needs but that can be covered by purchasing a rider, such as sewer and drain backup, computer replacement, home-based businesses, antiques or jewelry.

It can be tough on your wallet if you take your insurance policy for granted. In the case of a flood or earthquake, you could "find out after the fact that your entire home has been damaged and you aren't covered," warned Peter McMurtrie, chief claims officer for Grange Insurance.

Your best policy? Review your insurance policies annually and don't forget to scan the fine print. Give your insurance agent a call if there's anything you don't understand.

Charming Cape Cod in Annapolis Marina District

Nestled in the delightful Annapolis marina district, this charming cape cod puts you at the center of Annapolis' exciting boating community. Located at 823 Klakring Road in Annapolis, Maryland, this adorable home is conveniently situated between the Annapolis Landing marina and Port Annapolis, the two most well-appointed marinas in this historic harbor town.

This lovely home offers you access to every amenity in the exclusive Bembe Beach area: pool, boat slips, delightful waterfront cafes, a water taxi to Annapolis' historic downtown. Just steps from the Annapolis Sailing School, Chesapeake Bay and the Back Creek Nature Park, this is the perfect home for sailors, boaters and hikers.

You'll fall in love with this adorable cedar-sided home as soon as you walk in the door. Italian tile in the entry complements the rich hardwood floors on the main level. Like most cape cods, this home is larger than it looks with four bedrooms and two full baths.

Click the post title for more information and to take a virtual tour of this lovely home. To schedule your personal tour, contact veteran realtor John Day. If you're buying or selling a home in Maryland or the Washington DC metro area, John Day is your key to success.

Charming Home in Beverly Beach, Maryland Ready for Move In

This rare find in exclusive Beverly Beach exudes charm. Lovingly cared for and tastefully decorated, this impeccable home is ready for move in. Enjoy all the waterfront community of Beverly Beach has to offer -- a lovely community beach, picnic area, boat slips and more -- when you move into this delightful home located at 304 Lakeview Avenue in Edgewater, Maryland.

You'll have plenty of room with three spacious bedrooms and two full and one half baths. Entertain guests in the separate dining room or go casual in the open, airy modern kitchen. A beautiful large fenced yard with a lovely deck invites friendly gatherings, playing children and happy pets. You'll enjoy plenty of off-street parking when your friends come visiting.

Click the post title to take a virtual tour of this wonderful Beverly Beach home. You'll want to schedule your personal tour right away. Call veteran realtor John Day before someone else discovers this gem. On John's Homes Buy Day website, you'll find hundreds of other beautiful homes available in Maryland and the Washington DC metro area. If you're buying or selling a home, John Day is your key to success.