News & Updates

 The office will be closed

Monday and Tuesday July 3-4, 2017 in observation of 

4th of July

IN LIGHT OF THE EARTHQUAKE ON AUGUST 23, 2011, WE WOULD LIKE TO TAKE THIS OPPORTUNITY TO ADVISE OUR HOMEOWNERS POLICYHOLDERS TO CONSIDER PURCHASING EARTHQUAKE COVERAGE FOR THEIR POLICIES.

Earthquakes are not covered on a standard homeowners policy, but this coverage is available as an added endorsement for an additional fee.  For more information on this or any other optional coverage, please view the Optional Coverages link above or call our office at (410)-394-9000.

Thank you!  We appreciate your business!

 

Why Use An Independent Agent?

 You can benefit from the personal attention that an independent agent provides.

Consumersare well served by turning to an independent agent for the personal service and attention that an agent provides by knowing you and the hostof circumstances that may impact your insurance needs. Here are a few examples of what a trusted agent can offer.

We know the landscape.

Since independent agents often represent numerous insurance companies, we know exactly what options are available in the market. With countless coverage options available, there is nothing more valuable than a consultative agent who considers your interests when shopping for coverage. You may have a special need or may be eligible for unique discounts that only certain carriers offer. Good savings can be found – including discounts and credits on auto insurance for driving a hybrid vehicle, having multiple cars on a policy, being a good student, or possessing anti-theft systems – and agents can help you take advantage of these discounts.

We know you, your family and your business.

Every insurance situation is different. You need to consider many factors in selecting the coverage you need. The ultimate purpose of insurance is to protect you, your family, your business and, ultimately,your assets should the worst happen. By having an established relationship with an agent, you will be in the best position to select the protection and price to meet your own situation. If you’re just now embarking on an agent relationship, your agent should ask probing questions and make coverage recommendations tailored to your unique circumstances. Remember, it’s not always about finding the lowest premium; it’s about having the coverage you need.

We can help answer questions.

Let’s face it: Insurance can be a complex subject. Many consumers have questions about insurance – from the very basic to the complicated – that they are hesitant to ask. But when it comes to protecting your family and assets, no question should go unasked, no matter how basic itis. Your independent agent has the expertise to answer your questions and can take the time to make sure you understand all aspects of your policy. Bottom line: having a conversation is a great way to learn more about insurance.

We can manage multiple policies.

Auto insurance is the most common form of insurance protection, but home, umbrella, flood, and other business and personal insurance products become increasingly important as an individual’s or company’s circumstances become more complex. What’s more, you can save by combining two or more insurance policies with one company, and you’ll have one main contact person for all your insurance needs.