Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Silver Spring

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 Silver Spring 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.

46

Reviewed

29

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
804 Pershing Drive, Silver Spring, MD 20910
  • Multiple Policy Types

Why choose this provider?

Mary Snider, a State Farm insurance agent, provides insurance assistance to clients in Silver Spring, Chevy Chase, Takoma Park, Hyattsville, and Bethesda. Her team offers homeowners' insurance products and provides coverages that can match clients' needs. For over 20 years, Snider has been helping homeowners safeguard their assets. She is an active volunteer of the Human Rights Campaign, DC Chamber of Commerce, and Sitar Arts Center. Her agency also donates 10 percent of its profit to various organizations, like LGBTQ nonprofits.

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.
4.5
Google
4.8 / 5 (38)
Yelp
3.0 / 5 (8)

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
10214 Sutherland Road, Silver Spring, MD 20901
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Coughlan Insurance Agency, Inc., is a family-operated firm based in Silver Spring. Established in 1933, this company specializes in personal lines insurance, covering homeowners, life, motorcycle, and health insurance plans. Its insurance agents help homeowners analyze potential risks and look for insurance products that match clients' needs. Homeowners' policies mitigate damages or losses, whether due to disasters or random acts such as theft. Coughlan Insurance Agency, Inc., also offers business, watercraft, and RV 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.
4.5
Facebook
4.3 / 5 (6)
Google
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1031 Cresthaven Drive, Silver Spring, MD 20903
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Omega Insurance Agency, Inc., is a family-owned independent insurance agency in Silver Spring that has been providing services like homeowners' insurance for almost 40 years. The company helps its clients protect their properties like their homes by helping them find the right homeowners' insurance for them. Its team of insurance experts listens to its clients and takes note of their needs before matching them with the right insurance provider. Omega Insurance Agency represents a variety of insurance companies, including Progressive, Travelers, and AIC.

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.
4.1
Google
4.0 / 5 (6)
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

Website
9411 Colesville Road, Silver Spring, MD 20901
  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Servimax Insurance is an independent agency in Silver Spring that has been offering affordable homeowners' insurance since 1998. Its policies cover the property itself, exterior buildings, liability, and contents, which can also be extended to cover jewelry and art. The agency also offers extensive renters' insurance plans for individuals residing in rental properties. Servimax Insurance also offers auto, life, and commercial insurance. It works with various leading providers including Seminole, 21st Century, and Farmers Insurance. Services are also available in Spanish.

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

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 options do Silver Spring homeowners have if one insurer denies them coverage or if they are unable to obtain coverage from any carrier at all?

    A single insurance denial should not discourage Silver Spring residents. Premiums and underwriting standards vary between insurers. It is a good idea to look into different insurers because one rejection does not necessarily mean universal disapproval. If efforts with private insurers fail, the Maryland Property Insurance Availability Program, also known as the Joint Insurance Association (JIA), may provide homeowners with limited coverage options.

  • How can Silver Spring homeowners navigate payment options for their insurance premiums, and what factors should they consider?

    Homeowners in Silver Spring can choose between annual and monthly insurance payments. Some insurers offer yearly payments, often with discounts, which can alleviate the hassle of monthly outflows. However, opting for monthly installments provides greater financial flexibility by avoiding a larger once-a-year payment. Importantly, homeowners should review their mortgage terms, as some lenders may require specific payment methods.

  • How do Maryland regulations govern the process of notifying Silver Spring homeowners when their insurer wishes to cancel or not renew their policy?

    When an insurer decides to cancel or not renew a homeowner's policy in Silver Spring, they must follow specific notification regulations set by the state of Maryland. The insurer must notify the policyholder at least 45 days in advance of general cancellations or non-renewals. However, if the reason is non-payment of premiums, a 10-day notice is required. The receipt of this notice by homeowners is not a legal requirement.

  • Will a poor credit standing affect homeowners' insurance rates or be considered for policy cancellations in Silver Spring?

    Insurance companies in Silver Spring are not permitted to use an individual's credit history to determine homeowners' insurance rates or to cancel policies. Insurers may look at both the applicant's and the property's loss history. Homeowners should double-check the accuracy of these reports using services such as LexisNexis. If people are denied coverage because of these reports, they have the right to see the information that caused the denial.

  • Will standard Silver Spring homeowners' insurance policies cover basement water damage caused by groundwater infiltration?

    In Silver Spring, standard homeowners' insurance does not cover damage caused by groundwater entering basements through foundation flaws or poor drainage. Proactive home maintenance, such as inspecting appliances, emptying outdoor faucets, and knowing where the emergency shut-off valve is located, can reduce the need for claims. Homeowners should review their insurance policies to understand the coverage limits for water-related damages.

  • 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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