Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Germantown

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Germantown 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.

54Reviewed

34Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
4.4
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

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

Why choose this provider?

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)
Yelp
5.0 / 5 (3)
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

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.
  • How much does homeowners' insurance cost in Germantown?

    In Germantown, homeowners' insurance costs $50-$68 a month, translating to yearly expenses of $608-$827. It is possible to save on this number by bundling several assurance products such as automobile and all-terrain vehicle options together with homeowners’ coverage. In the county, savings from bundling a car plan range from $89 to $188.

  • What contingencies will a homeowners' insurance plan in Germantown cover?

    A homeowners' insurance plan in Germantown covers perils such as theft and property damage due to accidents like fire. Natural phenomena like tornadoes and hailstorms are part of the coverage, as are expenses incurred when forced to live elsewhere due to home repairs. Medical payments for visitors hurt while on one's property are considered in assurance plans.

  • What is the difference in Germantown between a named-perils homeowners' policy and an all-risk one?

    In Germantown, a named-perils homeowners' policy is one that covers specific contingencies that are overtly named in the contract, excluding those not enumerated. An all-risk option is broad and extends to unnamed incidents. The former product costs less owing to how it exposes the insurer to lower odds of losing money.

  • Are homeowners in Germantown required to be insured?

    No, there is no requirement for homeowners in Germantown to have their homes insured. No legislation in the state of Maryland requires citizens to secure homeowners' policies for their properties. However, mortgage lenders will often compel borrowers to insure the house as an added layer of protection.

  • What additional qualifications are preferable in a homeowners' insurance agent in Germantown?

    It is preferable for insurance agents who sell homeowners' plans in Germantown to be independent because this implies that there are no restrictive ties forcing the person to choose one provider over others. A certification in insurance counseling is also nice to have, and it helps when personalizing plans and bundles according to what a client needs.

  • 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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