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Best Homeowners Insurance Agencies in Germantown

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CF Alliance Insurance Services LLC logo
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CF Alliance Insurance Services LLC

20300 Seneca Meadows Parkway, Germantown, MD 20876
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  • Multiple Policy Types

Business Description

CF Alliance Insurance Services LLC. offers insurance policy options to residents and business property owners in Germantown and the surrounding region. The agents provide personalized assessments and advise clients on how to protect their tangible assets with a customized homeowners insurance policy. The agency is an independent brokerage that has access to multiple insurance policies from different companies. The agency can help the client choose a policy that suits their priorities 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.
5.0
Google
5.0 / 5 (27)

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
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Detail
Congressional Insurance Associates logo
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Congressional Insurance Associates

20440 Century Blvd 110, Germantown, MD 20874
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  • Multiple Policy Types

Business Description

Congressional Insurance Associates is stationed at Germantown. The company provides financial coverage to help protect homeowners and reimburse any special belongings in their house. This covers jewelry, guns, fur skins, and electronic devices that may be damaged or stolen. It also covers hobby collections like coins, paintings, and stamps. The company pays for any damages to the walls or roof as well. It provides special plans for different properties like condominiums and secondary houses.

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 (107)
Google
5.0 / 5 (22)

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
Klinger Insurance Group logo
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Klinger Insurance Group

19785 Crystal Rock Drive, Germantown, MD 20874
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Klinger Insurance Group is an independent insurance agency founded in 1993 to provide cost- effective, comprehensive coverage to the Germantown community. Part of the agency's service is helping people find homeowners' insurance that can efficiently protect their homes financially in times of disaster. The agents create well-written homeowner's policies that will pay to replace any of your personal property that is destroyed in a fire or other disaster. Klinger Insurance Group serves as its clients' representative, account executive, and liaison when handling their insurance needs and communicating with insurance providers.

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 (134)
Yelp
5.0 / 5 (6)

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
Moody Insurance Worldwide logo
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Moody Insurance Worldwide

20251 Century Boulevard, Germantown, MD 20874
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

Moody Insurance Worldwide offers insurance solutions for homeowners in Germantown. Its agents are knowledgeable about the current industry trends and can assist all insurers, including those with high-value homes. They can help individuals and families design policies that cover loss of use, property damages, and liability claims. The firm also offers supplemental insurance coverage for computer hardware and software and at-home businesses. Moody Insurance Worldwide was established in 1914 and provides all lines of personal and business insurance products.

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
Facebook
5.0 / 5 (7)
Google
3.7 / 5 (6)

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
Preferred Insurance Solutions logo
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Preferred Insurance Solutions

20030 Century Boulevard, Germantown, MD 20874
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  • Multiple Policy Types

Business Description

Preferred Insurance Solutions has been providing for the insurance needs of clients since 2000 through its office in Germantown. Its homeowners' insurance policy covers the home's physical structure, personal belongings, and medical expenses of a person injured in the client's property. The clients have the option to choose the coverage they want in the insurance. It can include liability insurance to protect the clients' financial assets in case of accidents on the property.

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 (16)
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
Russell Insurance Group logo
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Russell Insurance Group

2526 West Liberty Road, Westminster, MD 21157
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  • Condos
  • Multiple Policy Types

Business Description

Russell Insurance Group is an independent insurance agency assisting Germantown clients and the surrounding communities who need insurance help since 1978. The company connects with over 30 insurance carriers to find coverages suited for their clients. Homeowners and renters can protect their properties under the company's home insurance. Agents discuss options through policy limits, umbrella coverage, liability risks, deductible options, and available discounts. Homeowner's insurance covers rental property, vacant homes, apartments, condos, homes, and homes under construction.

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
Schaefer Delauder Insurance logo
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Schaefer Delauder Insurance

13208 Executive Park Terrace, Germantown, MD 20874
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  • Renter's Insurance

Business Description

Schaefer Delauder Insurance is an independent insurance agency with offices in Germantown and Frederick. It offers a range of insurance policies, including homeowners' insurance. The homeowners' insurance of the agency protects tangible assets. It pays for the replacement cost of the client's personal properties if an unexpected disaster destroys them. Clients have the option of getting a named-perils policy or an all-risk policy depending on the losses they want to be covered.

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
4.8 / 5 (14)
Yelp
3.5 / 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.

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