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GEICO Insurance Agent
You Could Save 15% Or More On Car Insurance. Talk to an Agent Today.
Business Profile
A & W Insurance Services Inc
See What You Can Save With Us On Auto Insurance. Call Us Today!
Bob Fitzgerald Jr - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jim McCauley - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Kathy Fowler - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Debbie Murphy - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
GEICO for Your Business
GEICO Can Help You Get Insurance Coverage For Your Business!
Business Profile
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Laurel area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
MAP
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Key Benefit Services
Make sure you have the insurance coverage you need to feel secure with our local Laurel area insurance agents and agencies. Providing affordable plans so that you are always secure from our insurance agents.
MAP
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
MAP
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR LAUREL
Hbw Insurance Group Inc Write review for this local business
3537 Spencerville Rd Ste 1, Burtonsville, MD 20866
(301) 421-9027  
Our agents assist with commercial and personal insurance needs including help with general liability, cars, workers compensation, health, and life insurance. Call us for great local service.
Performance Insurance Group Inc Write review for this local business
1215 Annapolis Rd, Odenton, MD 21113
(410) 674-9066  
Our insurance company specializes in life, auto, and business insurance in the area. Call us to speak with our agents with questions regarding your premium or quotes.
Jolles Insurance Write review for this local business
5052 Dorsey Hall Dr Ste 203, Ellicott City, MD 21042
(410) 715-1611  
Our insurance agents work with insurance policies and plans for individuals including business, health, life, auto, and medical insurance. We assist you with coverage and deductible questions.
Ronel Associates Insurance Write review for this local business
595 Main St Ste 235, Laurel, MD 20707
(301) 490-2226  
Fowler Kathleen Write review for this local business
510 4th St, Laurel, MD 20707
(301) 369-0507  
Benefits Resources Inc Write review for this local business
13910 Laurel Lakes Ave, Laurel, MD 20707
(410) 792-3776  
Physicians Systems & Services Write review for this local business
8101 Sandy Spring Rd Ste 103, Laurel, MD 20707
(301) 317-0020  
Ken Lines Insurance Nationwide Insurance Write review for this local business
207 4th St, Laurel, MD 20707
(301) 776-7450  
Halkos Insurance Agency Write review for this local business
8633 Cherry Ln, Laurel, MD 20707
(301) 206-5464  
Benjamin F Brown Insurance Agency Write review for this local business
304 Compton Ave, Laurel, MD 20707
(301) 604-7788  
Odonovan and Associates Write review for this local business
8351 Cherry Ln, Laurel, MD 20707
(301) 953-0051  
State Farm Insurance Write review for this local business
510 4th St, Laurel, MD 20707
(301) 369-0507  
Tina Davenport Write review for this local business
306 Talbott Ave, Laurel, MD 20707
(301) 369-8300  
State Farm Insurance Write review for this local business
595 Main St Ste 337, Laurel, MD 20707
(301) 498-7737  
Michael Peters State Farm Ins Agent Write review for this local business
617 Main St, Laurel, MD 20707
(301) 725-6078  
Roadway Insurance Inc. Write review for this local business
701 Washington Blvd S, Laurel, MD 20707
(301) 490-9400  
Senate Insurance Write review for this local business
352 Main St, Laurel, MD 20707
(301) 490-9333  
H.T.Brown Insurance Agency Write review for this local business
308 2nd St, Laurel, MD 20707
(410) 792-3737  
Hope Insce & Fin Svces Write review for this local business
401 Main St, Laurel, MD 20707
(240) 294-7936  
Senate Select Insurance Write review for this local business
300 Main Street , Laurel, MD 20707
(301) 490-9333  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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