The top-rated condo insurance agent in Gaithersburg, Maryland is Christian Durand - State Farm Insurance Agent, rated 4.9 stars across 993 reviews. Other highly rated options include Juan Aguirre - State Farm Insurance Agent, Capitol Benefits, LLC, Chris Durand - State Farm Insurance Agent. This directory lists 23 condo insurance agents serving Gaithersburg.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Christian Durand - State Farm Insurance Agent | 18237 Flower Hill Way d | (301) 208-1100 |
| 2 | Juan Aguirre - State Farm Insurance Agent | 24 Montgomery Village Ave Suite D | (301) 948-8118 |
| 3 | Capitol Benefits, LLC | 364 Main St 2nd floor | (301) 431-0000 |
| 4 | Chris Durand - State Farm Insurance Agent | 9085 Shady Grove Ct | (301) 948-8522 |
| 5 | John F Cooper Jr - State Farm Insurance Agent | 6 Montgomery Village Ave #102 | (301) 208-2100 |
| 6 | Rubin Insurance Agency, a Division of Blue Ridge Risk Partners | 1 Bank St Suite 200 | (301) 309-0400 |
| 7 | Fidencio Gonzalez: Allstate Insurance | 18955 Bonanza Way | (301) 990-1000 |
| 8 | Dave Vidmar - State Farm Insurance Agent | 9 N Summit Ave | (301) 926-3700 |
| 9 | Kevin Ha - State Farm Insurance Agent | 656 Quince Orchard Rd Ste 108 | (240) 252-3034 |
| 10 | Nazar Insurance Agency | Thomas Cannery Shopping Center, 1 E Diamond Ave | (301) 328-3028 |
Christian Durand, serving Gaithersburg and Montgomery County, provides services as a State Farm Insurance agent with a focus on condo insurance. This agent offers comprehensive insurance solutions tailored for condominium owners, including coverage for personal property, liability protection, and assessments from the condo association. Condo insurance policies here often address gaps left by building master policies, safeguarding residents’ individual interests. Specific services handled in this area are inventorying personal belongings for appropriate coverage and helping select deductible amounts that match homeowners’ financial comfort levels.
Juan Aguirre - State Farm Insurance Agent in Gaithersburg, MD, provides coverage for condo unit owners, including policies for personal property, liability, and loss assessment. It offers personalized service and policy reviews to help adjust coverage limits and deductibles over time. The agency also assists with auto and life insurance bundles to simplify protection plans. It services single-family homes, condominium units, apartments, and local retail and restaurant properties.
Capitol Benefits, LLC serves homeowners and condominium unit owners in Gaithersburg, Maryland, with specialized condo insurance policies. The agency focuses on securing coverage that addresses individual unit interiors as well as shared building risks typically overseen by a master policy. Clients receive assistance in understanding policy differences between personal belongings and structural liabilities. The agent works to find appropriate protection for each policyholder’s specific living situation in the area. The agency also extends its services to surrounding Montgomery County communities such as Rockville and Germantown.
Chris Durand - State Farm Insurance Agent serves Gaithersburg, Maryland, and its surrounding communities. It handles condo insurance policies tailored to the specific needs of unit owners in the area. The company focuses on offering coverage that protects personal property and interior structures within a condominium. For a typical job, it begins by reviewing the homeowner’s association master policy to identify any coverage gaps. It then discusses these gaps with the client and customizes a policy to fill those specific exposures.
John F Cooper Jr - State Farm Insurance Agent, based in Gaithersburg, MD, assists clients with condo insurance, distinguishing between one-time policy setup and recurring coverage needs for ongoing property protection. The agency provides standard policies that address condo ownership gaps, such as interior damage and personal liability, within the local area. Service for new policies and claims support runs on an as-needed basis, with annual policy reviews available for scheduled maintenance.
Rubin Insurance Agency, a Division of Blue Ridge Risk Partners, focuses on providing condo insurance in Gaithersburg, Maryland, including tailored coverage for interior structures and personal liability. It also assists local policyholders with general re-evaluations of their existing plans to ensure appropriate limits. The agency helps clients navigate specific seasonal challenges, such as reviewing water damage coverage before the arrival of winter freezing temperatures.
When heavy spring storms or unexpected snowfall descend on Gaithersburg, protecting a condominium from water and freeze damage becomes a priority for owners. Fidencio Gonzalez: Allstate Insurance serves local policyholders by reviewing master policies to identify coverage gaps specific to condo interiors and personal property. The agent explains how individual assessments and liability protection function within homeowners association guidelines. Every new client relationship begins with an in-person walkthrough of the unit to inspect existing pipes, windows, and high-risk areas before recommending a plan.
Dave Vidmar - State Farm Insurance Agent in Gaithersburg, MD provides condo insurance coverage for local homeowners and tenants. The agency focuses on protecting personal property and liability for individual units while also offering policies that include loss assessment and special assessments common in shared buildings. Additional specialty add-ons can cover water backup or increased contents limits. The agency serves residential clients as well as commercial sectors including offices, warehouses, and food service operations.
Kevin Ha - State Farm Insurance Agent in Gaithersburg, Maryland, is known for providing condo insurance policies tailored to local homeowners. The office serves residents across Montgomery County, helping them protect their individual units and personal belongings against common perils. They guide clients through coverage options that meet association requirements while addressing gaps in master policies. For those seeking additional protection, the agency can add on a personal liability umbrella policy to extend coverage beyond standard condo limits.
Nazar Insurance Agency provides residential condo insurance services to property owners in Gaithersburg, MD, addressing their specific coverage needs for individual units. The company also assists local clients with commercial insurance requirements, serving the broader area with professional guidance. Clients securing policies can expect attentive support during initial consultations and when filing claims. For ongoing protection, the agency coordinates follow-up service between regular policy review visits to ensure coverage remains appropriate as circumstances change.
What Does a a Condo Insurance Agent in Gaithersburg Cost?
Typical condo insurance costs in Maryland range from 300 to 600 dollars per year for a standard HO-6 policy. Factors like your units location in Gaithersburg, the age of the building, and your coverage limits affect the price. Policies with higher liability limits or loss assessment coverage cost more. This is general information and not insurance advice.
About condo insurance agents in Gaithersburg
Condo insurance agents in Gaithersburg Maryland help you understand the difference between your unit owners policy and the associations master policy. Maryland law requires condo associations to carry property insurance for common areas, but you still need personal coverage for your unit. A local agent can explain how to protect your belongings and cover liability risks specific to Montgomery County.
Frequently Asked Questions
What does a condo insurance agent in Gaithersburg do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, interior walls, and liability. They review your associations master policy to identify gaps in coverage. They also advise on Maryland specific requirements like loss assessment coverage.
Is condo insurance required in Maryland?
Maryland law does not require you to carry condo insurance, but your lenders mortgage agreement usually does. Many condo associations also require proof of liability coverage in their bylaws. Without a policy, you could be personally responsible for damage inside your unit.
How does Maryland law affect condo insurance deductibles?
Maryland law allows condo associations to set deductibles for the master policy. If a claim involves your unit, you may be responsible for the associations deductible. Your HO-6 policy can include loss assessment coverage to pay this deductible, which is a common need in Gaithersburg.
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