66 Painters Mill Road Suite 110 Owings Mills, MD

artem-beliaikin car 1 Get Started Now! Homeowners Insurance Homeowners & Auto Insurance Bundle Average Savings Is $550.00 Per Year


woodhome insurance
Contact Us 

Woodhome Insurance | Auto, Property, Business Insurance


woodhome insurance

Why Wood Homes Need Special Insurance

Wood homes are more susceptible to certain risks compared to brick or concrete homes. They are particularly vulnerable to fire, termites, and water damage. Therefore, standard home insurance policies might not offer adequate protection. Specialized wood home insurance is tailored to address these unique risks, providing comprehensive coverage.

Key Coverage Options in Wood Home Insurance

Fire Damage Protection

Fire is a significant risk for wood homes. Wood home insurance typically includes robust fire damage protection. This coverage helps with repair or replacement costs if your home suffers fire damage.

Termite Infestation Coverage

Termites can cause extensive damage to wood structures. Many wood home insurance policies offer specific coverage for termite infestations. This protection can cover the costs of treatment and repairs, ensuring your home remains structurally sound.

Water Damage and Mold Protection

Water can seep into wood, leading to rot and mold. Insurance for wood homes often includes water damage and mold protection. This coverage is essential for preventing long-term damage and maintaining a healthy living environment.

Factors Affecting Wood Home Insurance Premiums


The location of your wood home plays a significant role in determining your insurance premiums. Homes in areas prone to wildfires, floods, or high termite activity may have higher premiums due to the increased risk.

Home Age and Condition

Older wood homes or those in poor condition may be more expensive to insure. Insurers consider the age and maintenance of your home when calculating premiums. Regular upkeep and renovations can help reduce insurance costs.

Coverage Limits and Deductibles

The amount of coverage you choose and the deductible you are willing to pay also impact your premiums. Higher coverage limits offer more protection but come with higher premiums. Conversely, a higher deductible can lower your premium but increases out-of-pocket costs in the event of a claim.

Improve Fire Safety

Installing fire alarms, sprinkler systems, and fire-resistant materials can reduce your insurance costs. These safety measures lower the risk of fire damage, making your home less costly to insure.

Regular Maintenance

Conducting regular inspections and maintenance can help prevent damage and reduce insurance claims. Keeping your home in good condition is crucial for minimizing risks and lowering premiums.

Shop Around

Comparing quotes from different insurance providers can help you find the best rates. Look for insurers that specialize in wood home insurance for the most comprehensive and affordable coverage.


I’ve been a Woodhome Insurance client for many years. Their unique quoting rating system saved me hundreds of dollars on my policy. I would highly recommend them to anyone.

Karen H. Owings Mills, MD

The Woodhome Insurance team is highly committed to tremendous customer service as well as providing extremely competitive insurance quotes. We are very happy to be a client.

John T. Towson, MD

Get Your Personalized Quote Today!

Earn a discount on your Auto Insurance - Get Up To 15 Quotes In 15 Minutes!