Homeowners Insurance That Protects What Matters Most
Smart, Personalized Coverage for Homes in Germantown & Beyond
Your home is more than just a building — it’s where your life happens. Whether you own a house, condo, or townhome, CF Alliance helps you protect what makes it truly yours. As a local, independent agency based in Germantown, MD, we take the time to understand your property, your goals, and your budget — then help you find a plan that fits all three.
What Your Policy Should Cover
Dwelling Coverage
Covers the structure of your home — including walls, roof, floors, and built-in features — from damage caused by fire, storms, vandalism, and other covered events.
Other Structures Coverage
Protects additional structures on your property like detached garages, sheds, or fences — often overlooked but just as essential to repair or replace.
Personal Property Coverage
Reimburses you for loss or damage to your belongings — like furniture, clothing, electronics, or valuables — whether the damage happens inside your home or elsewhere.
Liability Coverage
Provides protection if someone is injured on your property or if you accidentally cause damage to someone else's — this includes legal defense and settlement costs.
Medical Payments to Others
Helps pay for medical expenses if a guest is hurt on your property — no lawsuit necessary. This keeps minor mishaps from turning into major headaches.
Loss of Use Coverage
Covers additional living expenses if your home becomes temporarily uninhabitable due to a covered claim — including hotel stays, meals, and more.
Add‑Ons That Matter
Some things are easy to overlook — until you need them. These valuable add-ons help close the gaps:
Water Backup Coverage
Covers damage from backed-up drains or sump pump failures — ideal for older homes or properties with basements.
Service Line Protection
Pays for repairs to underground utility lines (like water, electric, or gas) that run from the street to your home — including excavation.
High-Value Item Coverage
Offers added protection for valuables like jewelry, art, collectibles, or instruments that exceed the limits of a standard policy.
Why It Matters
Real Protection for Real Homes — Backed by Local Expert
Home insurance shouldn’t be confusing or one-size-fits-all. At CF Alliance, we explain your coverage in plain language, tailor it to your actual needs, and make sure you're not overpaying for gaps or extras you don’t want. Whether it’s a sudden storm or slow water leak, you’ll know you're protected — with a team that’s one call away.
What You Need to Know
Is homeowners insurance required in Maryland?
It’s not required by law, but most lenders will require it for mortgages. Even if you own your home outright, coverage protects your property, belongings, and liability.
Does home insurance cover flood or earthquake damage?
Not typically. Those require separate policies, which we can help you add based on your risk area.
Can I get coverage for my condo or rental property?
Yes — we offer tailored homeowners policies for condo owners, landlords, and multi-unit properties.
How is my premium calculated?
Factors include your home’s age, size, location, claims history, credit score, and the coverage levels you choose.
Can I bundle my home insurance with auto or umbrella policies?
Absolutely — and doing so may qualify you for multi-policy discounts.
Let’s Protect Your Home the Right Way
When it comes to protecting your home, it pays to have a partner who sees the whole picture. We’ll help you compare options, understand your policy, and choose coverage with confidence.