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Home Insurance That’s as Solid as Your Foundation

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Protect the Place You Call Home

Your home is more than where you live — it’s where your life happens. Whether you own a house in Waldorf, a condo in Charles County, or a second property in the Carolinas, First Insurance Group connects you to coverage that truly fits. We work with a range of carriers to help you find the right policy for your home, belongings, and peace of mind — no overcomplicating, no upselling, just straight answers and strong protection.

Coverage You Can Count On. Service You Can Trust.

What’s Covered in Homeowners Insurance?

Dwelling Coverage
 Pays to rebuild or repair your home if it’s damaged by fire, wind, hail, or other covered events.

Personal Property
 Covers furniture, electronics, clothes, and other belongings inside your home.

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Liability Protection
 Covers legal expenses and medical costs if someone is injured on your property.

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Additional Living Expenses
 Helps cover temporary housing and living costs if you’re forced to leave home after a covered loss.

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Optional Flood Insurance
 Separate policy options for protection from rising water and storm surge events.

Scheduled Personal Property
 Extra coverage for valuables like jewelry, fine art, and collectibles.

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FAQ

  • Do I need homeowners insurance if my house is paid off?

    We provide coverage for personal cars, trucks, SUVs, motorcycles, and classic cars.

  • What’s not typically covered?

    We compare multiple options from trusted providers to ensure you get the best coverage at the best price—without unnecessary extras.

  • How is my premium determined?

    If you’re 65 or older or have certain qualifying disabilities, you may be eligible. Our experts can help you understand your options and choose the best plan.

  • Can I insure a vacation or rental property?

    It depends on the provider and network. We’ll help you explore plans that include your preferred doctors and healthcare facilities.

  • What discounts can I qualify for?

    Private health insurance is purchased individually, while employer-provided plans are offered through your workplace. We can help you compare your options to see what fits best.

  • How do I update my policy if I renovate?

    Just call or email our office — we’ll make sure your coverage reflects your home’s new value and improvements.