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2024

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Best Homeowners Insurance Agencies in Columbia, MD

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Columbia Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

67Reviewed

44Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9030 Red Branch Road, Columbia, MD 21045

Expertise.com Rating

Review Sources

Google
5.0 (212)

Why choose this provider?

U.S. Home and Auto Insurance Group is a full-service independent insurance agency that offers a variety of personal insurance products in Columbia. One of the agency's concentrations is homeowners' insurance that protects the home financially in times of disaster or personal liability. The agency presents comparative quotes of multiple homeowners' insurance in the market, allowing its clients to pick the best policy for their needs among several options. U.S. Home and Auto Insurance Group also has auto, flood, and life insurance.

  • Fire
  • Multiple Policy Types
  • Multiple Carriers

8325 Guilford Road, Columbia, MD 21046

Expertise.com Rating

Why choose this provider?

McFarlin Insurance Agency, LLP., provides insurance options to residents and business property owners in Columbia and throughout the region. The homeowners' insurance policy protects the clients financially in the unfortunate event of the house being damaged or destroyed by fire, natural disasters, theft, and vandalism. The policy covers the repair or replacement of the house and its contents. Other coverages include liability protection and medical coverage. The company has been in the industry since 1939.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

10380 Old Columbia Rd 104, Columbia, MD 21046

Expertise.com Rating

Review Sources

Google
4.4 (13)
Facebook
5.0 (3)
Yelp
1.0 (1)

Why choose this provider?

Established in 1960, the Columbia-based VW Brown Insurance Service helps clients plan for unexpected events in the future through the insurance products it offers. The company's homeowners' insurance policy helps clients take care of the risks involved in owning a home. It allows clients to avoid financial issues if they lose their homes due to a fire. The insurance also helps clients protect their homes from common issues in the house, including leaking pipes and burglary.

  • Condos
  • Multiple Policy Types
  • Flood

5570 Sterrett Pl, Columbia, MD 21044

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Swann Insurance Agency helps homeowners in Columbia protect their homes against possible losses. This independent insurance agency guides clients in selecting the appropriate policies for their property. It represents trusted carriers, such as AIC, Berkshire Hathaway GUARD, and American Strategic Insurance. The professionals at this firm conduct one-on-one meetings with families and individuals to decide how much protection is needed for their homes and belongings. They also conduct periodic policy assessments to determine any changes that need to be made.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

9520 Berger Rd Suite 301, Columbia, MD 21046-1540

Expertise.com Rating

Review Sources

Google
5.0 (46)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

James Clark is a State Farm insurance agent in Columbia who offers his assistance to people looking for insurance policies that will help them protect their investments. One of the insurance policies he offers is homeowners' insurance that can financially protect the clients' house from the risks of disasters. Clark and his team also handle auto insurance, health insurance, life insurance, and renters insurance. His location allows him to serve Clarksville, Ellicott City, Howard County, and Laurel.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

6420 Freetown Rd Suite 135, Columbia, MD 21044

Expertise.com Rating

Review Sources

Google
5.0 (18)
Facebook
5.0 (2)

Why choose this provider?

Juan Claros is a State Farm insurance agent based in Columbia who offers insurance services to his local community. One of the insurance policies Claros offers is homeowners' insurance. He aims to give his clients security and financial protection by insuring their properties like their homes. Claros also has experience with providing auto, business, health, life, and renters insurance. He can also assist clients with their banking needs. Claros is licensed to serve the whole state of Maryland as well as Virginia and D.C.

  • Multiple Policy Types

6300 Woodside Court, Columbia, MD 21046
WebsiteLicense: not verified

Expertise.com Rating

Review Sources

Facebook
5.0 (158)
Google
4.8 (23)
Yelp
5.0 (1)

Why choose this provider?

Century 21 is a real estate company that offers a full range of services to residents of Columbia and the surrounding communities. The business was established in 1967 with the idea that a well-designed city could improve its residents’ state of life. It offers homeowners' insurance, mortgage products, property management services, and worldwide relocation connections. Its associates received the Century 21 Gold Medallion and Quality Service Pinnacle Award in 2019. Branch leader Jimmie Jennings has extensive experience handling listings for luxury homes, condominiums, and distressed properties.

  • Homeowners

5501 Twin Knolls Road, Columbia, MD 21045

Expertise.com Rating

Review Sources

Google
4.6 (22)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

McCabe Insurance Associates, Inc., caters to the insurance needs of homeowners and business property owners in Columbia and the surrounding communities. The company provides a homeowners' insurance policy that will protect the clients' tangible assets on a named-perils or all-risk basis. The named-perils policy is for specific losses, while the all-risk policy is broader in terms of the covered losses. The company's agents discuss various homeowners' insurance offerings from multiple carriers in order for clients to get the right policy that will suit their needs and budget.

  • Multiple Carriers
  • Condos
  • Renter's Insurance

5005 Signal Bell Lane, Clarksville, MD 21029
WebsiteLicense: 3000368661

Expertise.com Rating

Review Sources

Google
5.0 (46)

Why choose this provider?

Meck Insurance Agency is an independent insurance firm that serves clients throughout the Columbia metro. It offers homeowners' insurance and educates clients on named-perils and all-risk policies. In addition, the firm provides other insurance solutions, including auto, flood, earthquake, and pet insurance. Its team also protects clients from negligence claims through personal umbrella insurance. Brian Meck, the firm's president, serves as the Community Leadership Board chairman in Anne Arundel County. He has over seven years of experience in the insurance industry.

  • Renter's Insurance
  • Homeowners

308 Second Street, Laurel, MD 20707

Expertise.com Rating

Review Sources

Google
4.8 (59)

Why choose this provider?

CNR Insurance has served 5,200 clients in Laurel and its surrounding areas, including Columbia. The firm works with The Hartford, AIG, Foremost, Encompass, Progressive, and Travelers. CNR Insurance president Stacey Nicholson has been working in the insurance industry since 1989. He and his team offer home, renters', condo, life, auto, and motorcycle insurance plans. They also provide business owners', cyber liability, employment liability practice, workers' compensation, child care center, and umbrella insurance solutions.

  • Condos
  • Renter's Insurance

13633 Baltimore Avenue, Laurel, MD 20707
WebsiteLicense: 99930105

Expertise.com Rating

Review Sources

Google
4.6 (11)
Yelp
5.0 (1)

Why choose this provider?

Mid Atlantic Insurance Financial is a family-owned and family-operated company that has been serving Columbia residents since 2005. The independent agency offers homeowners' insurance policies that financially cover damages and losses caused by thunderstorms, hail, wind, and theft. It provides clients with comparisons of insurance plans and quotes from several insurance carriers to help them find the coverage that fits their needs. Mid Atlantic Insurance Financial also shops for liability, renters, and condominium insurance policies.

  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
U.S. Home and Auto Insurance Group
9030 Red Branch Road, Columbia, MD 21045
McFarlin Insurance Agency, LLP
8325 Guilford Road, Columbia, MD 21046
VW Brown Insurance Service
10380 Old Columbia Rd 104, Columbia, MD 21046
Swann Insurance Agency
5570 Sterrett Pl, Columbia, MD 21044
James Clark - State Farm Insurance Agent
9520 Berger Rd Suite 301, Columbia, MD 21046-1540
Juan Claros - State Farm Insurance Agent
6420 Freetown Rd Suite 135, Columbia, MD 21044
Century 21
6300 Woodside Court, Columbia, MD 21046
McCabe Insurance Associates, Inc.
5501 Twin Knolls Road, Columbia, MD 21045
Meck Insurance Agency
5005 Signal Bell Lane, Clarksville, MD 21029
CNR Insurance
308 Second Street, Laurel, MD 20707
Mid Atlantic Insurance Financial
13633 Baltimore Avenue, Laurel, MD 20707

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What exactly does homeowners insurance cover in Columbia?

    Homeowners insurance in Columbia covers the physical structure of your home, personal belongings, and other structures on your property, such as detached garages or sheds. It also covers your legal fees if someone is injured on your property. Moreover, it provides financial support for temporary accommodations during repairs.

  • What affects homeowners insurance costs in Columbia?

    Various factors influence the cost of homeowners' insurance in Columbia, including your insurance and claims history, home characteristics like age and security features, and the location of your property. Your past insurance and claims record and the specifics of your home's age, structure, and safety installations also impact the premium. Do note that areas prone to disasters might have higher costs while proximity to emergency services and safe neighborhoods could lower premiums.

  • Are you required to obtain homeowners insurance in Columbia?

    Obtaining homeowners insurance in Columbia is not required, but it's generally a requirement set by mortgage lenders to secure a home loan. Moreover, even if you fully own your home without any loan obligations, opting for homeowners insurance is a prudent decision because it can provide essential financial support to repair or rebuild after a loss.

  • Do you have to include homeowners insurance in your mortgage payment in Columbia?

    Including homeowners' insurance in your mortgage payment in Columbia is not mandatory, but it can be arranged through an escrow account. Escrowing involves bundling your mortgage payments, property taxes, and home insurance into a single charge. This arrangement is becoming more common as it simplifies financial management.

  • What are the potential risks of not having homeowners insurance in Columbia?

    Homeowners insurance in Columbia is essential to protect yourself from financial losses in an unexpected event, such as a fire, and without adequate coverage, you could be left with a hefty financial burden, including rebuilding your home and replacing your belongings. You could also be responsible for paying for your living expenses if your home is uninhabitable. Furthermore, it covers common occurrences that can be costly to repair without insurance.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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