US Home and Auto Insurance Agency - Lutherville-Timonium

It can be. Many small businesses are now insured under package policies that cover the major property and liability exposures as well as loss of income.

Just as with car insurance, you have to pay a deductible before you’re paid out a claim. You can set the deductible very low or high. The higher the deductible, the less you pay monthly.

Depending on where your business operates, you might need to get coverage to protect it. Talk to your agent about property insurance to make sure that the building and contents are protected.

General liability insurance for contractors provides protection when a customer or client holds you liable for an injury or property damage. Your clients may require you to obtain this coverage before entering into a contract.

Death can come at any time. Purchasing life insurance as soon as you are able is the best time to do so.

Yes, the liability portion of your home insurance covers you if your dog bites someone.

Yes. Auto insurance companies will share your insurance claims history with each other.

An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount.

You can include members of your household on your policy, but you must all live at the same address.

Auto insurance is relatively inexpensive, but this depends on your driving history and credit report.

Yes, auto insurance is mandatory in every state across the U.S., but insurance carrying laws vary.

Yes, there are different insurance coverage types and they are as follows: Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.

We can meet evenings and weekends by appointment only.

No. The quote is free. The quote provides an estimate based on the information you provide and contains descriptions of available coverages.

If you have a mortgage, you are likely required to carry homeowners insurance. Chances are that you’re already paying for homeowners insurance and it got bundled into your mortgage.

Yes. If you have a low credit score, your insurance premiums will be higher.

Your coverage begins once you receive valid proof of insurance. You can access your proof of insurance online.

Yes, they can. If you have a DUI on your record, have bad credit or have caused a serious accident, you can be denied service. Yes, they can. If you have a DUI on your record, have bad credit or have caused a serious accident, you can be denied service.

Yes, we're able to Bind your policy over the phone with a credit or debit card. We will send you everything that needs to be signed thru email. It's quick and easy.

Our agency accepts most major credit and debit cards.