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Homeowners Insurance

Did you know that 7% of all homeowners file a claim each year due to a loss*? Is your home properly insured? Protect the value and equity of one of your single largest investments by insuring it adequately.

Homeowners insurance can provide:

Property Protection: Helps replace or rebuild a home in the event of a total loss.

Asset Protection: Covers you against liability claims.

Personal Property Protection: Covers valuable possessions inside your home including furniture, art, jewelry, etc.

Primary aspects of homeowners insurance claims include:

Property Protection

Homeowners insurance can be very important in the event of a home damage or total loss. It is imperative that you select a policy that will help you cover the cost of rebuilding your home. Consider the following when selecting the value of your home policy:

– Current upgrades or additions
– Current rebuilding costs in your area
– Age of your home since cost of rebuilding an older home can be even greater than rebuilding of a newer home

Given the rising cost of real estate and increase in rebuilding cost, it may be important for you to cover your home at 150% or more above the home’s current value. In many cases, carriers only offer policy options up to 125% above value whereas McLean Insurance works with several carriers that offer higher limits. Our homeowners insurance experts are available at 703-790-5770 to help you determine appropriate coverage for your property.

Asset Protection

In today’s world, it is not uncommon to see million dollar lawsuits for slips, falls, dog bites, etc. Therefore, asset protection can be an important component of a homeowners insurance policy.

Also, the explosion of social media sites such as Facebook, Twitter, etc. has allowed consumers to share their views easily but sharing their viewpoints, likes and dislikes with ease has also increased liability risk. Libel and slander related lawsuits are becoming a common place in our society and unfortunately consumers are learning (the hard way) that their current homeowners policy only offers liability coverage for bodily injury and property damage. It does not cover for instances where there is no physical injury to the other party.

At Mclean Insurance we recommend protecting yourself and/or your family from such a risk by:

(1) Adding a personal injury endorsement to your homeowners insurance policy. This endorsement expands the definition of bodily injury to include libel or slander; defamation of character; false arrest, detention or imprisonment; invasion of privacy; wrongful entry or eviction; humiliation; or malicious prosecution. Please note that there are normally policy exceptions for intentionally causing harm.

(2) By purchasing an umbrella policy that also includes personal injury endorsement. The umbrella policy will also add additional liability limits, generally $1-$2 million dollars, above the limits of the underlying homeowners insurance policy.

Each of the above listed options extends to family members regardless of age. Check with your Mclean Insurance expert to determine if the liability limits on your policy are sufficient or if you should protect yourself by purchasing additional insurance.

Personal Property Protection

It is important to make sure that your personal property is adequately insured especially in the case of an unforeseen damage or theft. At Mclean Insurance, we highly recommend having a home inventory. It can be an easy as creating a list on a piece of paper or even documenting the household items with a video camera. We also recommend that you keep this list in a safe place away from the home. Here’s a free service from Insurance Information Institute that can help you with your home’s inventory quickly and easily. Click the button below to begin.

Why Choose McLean Insurance
For Your Homeowners Insurance?

Our Customers Love Us

Deb Cutler has been outstanding with her assistance and recommendations to get us adequately covered for both our homes, automobiles and liability coverages. Prior to meeting Deb, our experience with acquiring/reviewing/updating our coverage was a huge hassle for us. We never really felt satisfied with the other provider and worried... Show All

Deb Cutler has been outstanding with her assistance and recommendations to get us adequately covered for both our homes, automobiles and liability coverages. Prior to meeting Deb, our experience with acquiring/reviewing/updating our coverage was a huge hassle for us. We never really felt satisfied with the other provider and worried about our coverages in the event of the unknown happens to us. However, that all changed once we met Deb Cutler, she was patient, attentive to our needs/concerns and in the end we now possess a sense of security that we are covered for any events. Working with Deb through Mclean was a very positive experience for us. Thank you.

Mark Patzschke and Richard Newton

Thanks, Debbie! When renewal time came around we were very pleasantly surprised to learn from Debbie Cutler that she had figured out a very significant saving for our home insurance policy! This was great news and we really appreciate this service.

Tim H.
Nov 23, 2016

I'd like to give a special recognition out to Debbie Cutler who has been so helpful to our family on multiple occasions and especially during our home refinancing process. She is always available, always following up and always ready to help. The other agents in the office are very professional... Show All

I'd like to give a special recognition out to Debbie Cutler who has been so helpful to our family on multiple occasions and especially during our home refinancing process. She is always available, always following up and always ready to help. The other agents in the office are very professional and so helpful as well... Thanks Maggie for also helping even at a time when you were ready to leave!!We have used McLean Insurance for many many years and the customer service is unbeatable, not common now days!

Gloria LaBossiere
Aug 23, 2016

I look forward to speaking with Debra again! She is working hard on our behalf and I appreciate it.

Lesley Kowalski
Mar 31, 2016

P J Baker - Mrs. Baker is always on top of all issues and provides an excellent customer service by McLean Insurance Agency

Hugo J Scotti
Jan 29, 2016

Excellent Service - I recently had some pressing questions with my home and auto insurance and Debbie Cutler helped me tremendously. A quick and thorough response and all the issues were solved. Excellent service & professionalism!

James Crutchfield
Jan 29, 2016

I'd like to give a special shout out to Debbie Cutler who has been so helpful to our family on multiple occasions. In the last couple of years my son has moved from Connecticut to Minnesota to London and now to New York. Debbie has been great in keeping his... Show All

I'd like to give a special shout out to Debbie Cutler who has been so helpful to our family on multiple occasions. In the last couple of years my son has moved from Connecticut to Minnesota to London and now to New York. Debbie has been great in keeping his insurance and him up to date.She's efficient, professional, responsive, and very personable. I give her a big thumbs up!

Ibby Jeppson
Jan 11, 2016

Home Owner - Every one at McLean Insurance is knowledgeable and responsive. PJ Baker and Mike Feinberg are always available and people of service. They explain everything clearly and give you options without sales pressure. They are trust worthy and people of character that you can depend on year after... Show All

Home Owner - Every one at McLean Insurance is knowledgeable and responsive. PJ Baker and Mike Feinberg are always available and people of service. They explain everything clearly and give you options without sales pressure. They are trust worthy and people of character that you can depend on year after year.

Cathy Feehan
Nov 9, 2015

Great Customer Service - Mrs Baker has been diligent in finding out better rates and in answering all my questions. I am very pleased with her efficiency and service

Hugo Scotti
Jul 17, 2015

Pre-Renewal Review - Debra was great to speak with as she answered all of my questions and patiently walked me through the options for our home insurance policy.

Katherine Chesson
Jul 15, 2015

McLean Insurance Is The Best Of The Best! - I've dealt with a few insurance agencies over the years, but none of them compare to the excellent customer service and responsiveness that McLean Insurance provides. I've gotten my entire extended family to insure through the agency and recommend it to... Show All

McLean Insurance Is The Best Of The Best! - I've dealt with a few insurance agencies over the years, but none of them compare to the excellent customer service and responsiveness that McLean Insurance provides. I've gotten my entire extended family to insure through the agency and recommend it to all my friends. Of particular note is the extra effort that is put into obtaining the most comprehensive coverage for the most affordable premium when it comes to property and casualty insurance. Kudos to Doug Megill, the second generation of this family owned business.

Peter C.
May 8, 2015

Home & Auto Insurance - I wrote earlier that I was very pleased with PJ's delivery, explaination & knowledge shared! I am also pleased with the savings I will be awarded with after so many years with McLean Ins. Thank you much! ES

Edwania S.
May 8, 2015

Rating - We are totally pleased with the service we get from Tom Boswell and his staff. Knowledgeable and responsive. Tom's the best!

Peter C.
May 5, 2015

All My Insurance - nice job - felt like they were trying to save me money and went through everything trying to find ways to cut things back.

Westy
May 5, 2015

Now I Know - I never really understood the reason or benefit for working with any insurance "broker" or insurance agency. That is until I met PJ Baker. In the past, I just shopped around on my own. But PJ helped us find home owner's insurance when we sold one... Show All

Now I Know - I never really understood the reason or benefit for working with any insurance "broker" or insurance agency. That is until I met PJ Baker. In the past, I just shopped around on my own. But PJ helped us find home owner's insurance when we sold one house and bought our new house, when we were too stressed, rushed and harried to deal with one more piece of paper. She is always very responsive and efficient! Recently, we needed insurance for our boat and she took care of this for us and even immediately sent us an email with the documentation that we needed to register the boat. Very efficient and timely! Thank you PJ.

Geraldine A.
May 5, 2015

Great Help In Getting House Insured - I paid off my house a few years ago. After I was no longer paying my insurance through the mortgage company, I began paying the insurance company directly. I meant to set up an automatic bill payment through my bank, but forgot. At... Show All

Great Help In Getting House Insured - I paid off my house a few years ago. After I was no longer paying my insurance through the mortgage company, I began paying the insurance company directly. I meant to set up an automatic bill payment through my bank, but forgot. At a certain point, I missed the payment reminder sent by the insurer, and the insurance lapsed. McLean was helpful in finding another insurer and getting my home back under protection.

John G.
Apr 22, 2015

By far the best insurance company we have ever worked with. Tom, our go to guy, is totally helpful and responsive to our needs. Five stars without question.

Peter C.
Apr 14, 2015

Continuing Excellence - This is my 19th year with McLean Insurance. Tom Boswell and Debbie Cutler have been mainstays in supporting our insurance needs in DC and California and their dedication to excellence has benefited us with great products at value pricing.

Stephen S.
Dec 30, 2014

A+ Service - I did an account review with Debra C. earlier this week and, from beginning to end, everything was handled to my utmost satisfaction. Debra is knowledgeable, helpful, and looks out for her customers' interests and concerns. A++. Thanks.

Michael B
Dec 30, 2014

I trust our company's insurance and my personal insurance to McLean Insurance.

Andy L.
Dec 23, 2014

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FAQ

Is flood insurance covered under my homeowners insurance policy?

No it is not, the peril of flood is excluded from all homeowner’s insurance policies.

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