American Heritage Insurance Agency, Inc. is a Maryland personal insurance broker representing both national and regional carriers who offer all major lines of personal insurance.

Maryland Homeowners Insurance Brokers

Our personal insurance agents will review your exposures to risk and recommend the best combination of coverages suited to your specific homeowners insurance needs at a competitive price.

Our personal lines department also tailors insurance as your needs change. We look for the most cost effective solutions to provide you with adequate property and liability coverage as your personal risks evolve.

Homeowners Insurance Needs and Considerations

We also recognize that insurance programs of individuals and families vary greatly. Young couples just starting out in an apartment have very different needs from an “established” family with a house with a swimming pool..

Our job to provide you with a competitive insurance program includes recommending the proper combination of important coverages for property. We will as “independent agents” representing multiple companies “shop” for you.

Process of Deciding on a Homeowners Insurance Policy

• Reviewing limits on your dwelling, personal property, and collectibles.
• Explaining the benefits of scheduling valuable items such as artwork, jewelry, coins, silverware, antiques and other collectibles and review limits for these items on your current policy(ies)
• Assessing risks and recommending coverages suitable for items such as swimming pools, trampolines, dirt bikes, ATV’s, snowmobiles, boats, and jet skis.
  
• Looking for discounts on homeowners policies. These may include credits for combining home and auto, or credits for sprinklers, fire or burglar alarms on homes, and many others.

If you have an in-home business we are familiar with company rules and what types of businesses may or may not be covered by your personal insurance policy.

We offer Homeowners Insurance Products for:

• Primary Homeowner
• Secondary residences
  

New home? Please contact our personal lines representatives for a review and competitive quotation for your insurance. You may save money, or you may just find insurance protection that you never had!

 

We provide Homeowners Insurance to the following Maryland areas:

Baltimore County and Baltimore City (21250, 21251, 21252, 21284, 21285)
Carroll County - including Eldersburg, Sykesville, Westminster, Taneytown, Manchester, Hampstead, Union Bridge, Finksburg (21784, 21757, 21758, 21787, 21102, 21074, 21791, 21048)
Howard County - including Columbia, Ellicott City, Clarksville, Glenwood, Glenelg, Hanover, Jessup, Marriottsville, Woodbine, Elkridge, Laurel, Savage-Guilford (21044, 21046, 21041, 21029, 21738, 21737, 21075, 21076, 20794, 21104, 21797, 21075, 20707, 20763)
Frederick County - including Frederick, New Market, Mt Airy (21701, 21774, 21771)
Montgomery County - including Gaithersburg, Germantown, Bethesda, Rockville, Chevy Chase (20877, 20879, 20883, 20884, 20885, 20886, 20874, 20875, 20876, 20877, 20889, 20892, 20894, 20847, 20848, 20849, 20850, 20851, 20852, 20853, 20855, 20857, 20859, 20812, 20815, 20825)

*We are not affiliated with American Heritage Life Insurance Company, 800-521-3535

American Heritage Insurance Agency, Inc.

1643 Liberty Road
Suite 201-202
Eldersburg, Maryland 21784
Phone 410-552-1200
Fax 410-552-1270