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Best Homeowners Insurance Agencies in Columbia

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Century 21 logo
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Century 21

6300 Woodside Court, Columbia, MD 21046
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  • Homeowners

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (23)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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CNR Insurance logo
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CNR Insurance

308 Second Street, Laurel, MD 20707
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  • Condos
  • Renter's Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (58)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James Clark - State Farm Insurance Agent logo
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James Clark - State Farm Insurance Agent

9520 Berger Rd Suite 301, Columbia, MD 21046-1540
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (46)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Juan Claros - State Farm Insurance Agent logo
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Juan Claros - State Farm Insurance Agent

6420 Freetown Rd Suite 135, Columbia, MD 21044
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McCabe Insurance Associates, Inc. logo
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McCabe Insurance Associates, Inc.

5501 Twin Knolls Road, Columbia, MD 21045
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  • Multiple Carriers
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (22)
Facebook
5.0 / 5 (5)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McFarlin Insurance Agency, LLP logo
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McFarlin Insurance Agency, LLP

8325 Guilford Road, Columbia, MD 21046
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Meck Insurance Agency logo
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License Verified:

License: 3000368661

Maryland Insurance Administration

Meck Insurance Agency

5005 Signal Bell Lane, Clarksville, MD 21029
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  • Renter's Insurance
  • Homeowners

Business Description

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.

License Verified:

License: 3000368661

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mid Atlantic Insurance Financial logo
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License Verified:

License: 99930105

Maryland Insurance Administration

Mid Atlantic Insurance Financial

13633 Baltimore Avenue, Laurel, MD 20707
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  • Homeowners

Business Description

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.

License Verified:

License: 99930105

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Swann Insurance Agency logo
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Swann Insurance Agency

5570 Sterrett Pl, Columbia, MD 21044
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
U.S. Home and Auto Insurance Group logo
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U.S. Home and Auto Insurance Group

9030 Red Branch Road, Columbia, MD 21045
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  • Fire
  • Multiple Policy Types
  • Multiple Carriers

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (212)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
VW Brown Insurance Service logo
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VW Brown Insurance Service

10380 Old Columbia Rd 104, Columbia, MD 21046
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  • Condos
  • Multiple Policy Types
  • Flood

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.4 / 5 (13)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs