Products & Coverages
H.T. Brown Insurance Agency provides car insurance and home insurance as well
as business insurance, life insurance and health insurance to residents of Maryland,
Virginia and District of Columbia (DC). Why not request an online rate quote
for insurance or contact an agent here at H.T.Brown Insurance Agency to discuss
any of your insurance coverage needs - either online or by phone at 301-490-9600.
We offer great rates and protection to qualified customers. We offer a variety
of coverage levels and insurance carriers to make sure you are getting the most
for your insurance dollars. H.T. Brown Insurance Agency offers a great combination
of courteous, professional service and competitive rates. Please understand that
individual driving records and vehicle selection are key factors in determining
the rates you will pay for coverage. As an independent agency, our agents can
shop your coverage among several companies to help you get the best value for
your premium dollars. Be sure to ask your H.T. Brown Insurance Agent representative
to tell you how you can save even more money with a multiple policy discount when
you get Auto and Homeowner’s policy with the same carrier. Allow us to offer you
an estimate today!
Your home probably represents your largest financial investment and security
for your family. Recent weather disasters have demonstrated how important your
homeprotector coverage can be Our agents would like to help you select a coverage
plan to protect this important asset. There are many optional coverages you may
need to consider such as sewer & drain back-up, earthquake & scheduled
coverage for jewelry and other collections to more fully protect your property.
We can offer you rates for several policies and options so you make a coverage
selection that work best for you. Contact us today to learn more!
Renters insurance provides protection for your personal property due to specific
perils such as fire and theft. You probably have more personal belongings than
you think. Can you imagine if you had to pay out of pocket to replace all of the
contents of your apartment, rented home? Make sure you are protected. Let us provide
you with a quote today!
Now is the time to implement a protection plan for your family. With all of
the risks we face in our everyday life, make sure have a sound financial plan
in place now. Allow our Agents to develop a program that meets your protection
needs now, and retirement goals for your future. The earlier you start, the easier
it is to achieve your goals. Don’t delay, start on a path today that builds toward
a more secure tomorrow.
Life Insurance – Protection for the living
Term Insurance– This protection is temporary coverage for a specific time frame. Term insurance
is often purchased to supplement permanent insurance plans and/or to provide protection
to satisfy specific financial obligations—like your mortgage. This is most often
lower in cost, but does not usually provide a lifetime benefit or accumulate a
cash value.
Universal Life– Permanent Insurance Plan. Universal Life is very flexible to meet the changing
needs of you and your family. This is a combination of term insurance and a cash
accumulation account, so it may benefit your family in many ways. Once your plan
is established, you may use some of the cash value to pay the premium, or to take
a loan. What could be better than to borrow money from yourself!
Annuities– Retirement Savings Account. Here is your chance to put money into an account
that pays you great dividends, competitive interest rates and the stability of
Erie Family Life backing your savings. Erie Annuities also offer:
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Stability
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Tax Deferred Earnings
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Flexibility
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Guaranteed Savings
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Personal Service
These great benefits can also be used for:
Whole Life – Permanent Protection Plan. A Most popular plan with the very young (many
parents and grandparents purchase these policies for young children). It is also
a good product for our more mature clients. Whole life policies feature a stable
life insurance benefit at an established premium.
Whether you have a retail store, an office, or are a contractor with no permanent
work location, your need a coverage plan suited to your individual business requirements.
Business Package– This basic policy provides a combination of property and liability insurance
for businesses with a fixed location (like a store, office, or warehouse). Property
protection may include coverage for your building, contents, signs, and glass.
Many optional coverage programs are available and we can assist you in selecting
a program that provides the right protection at a great value.
General Liability– This type of coverage is essential for businesses on-the-go, such as artisian
contractors like carpenters, plumbers, and electricians to name just a few. Liability
protection is rated based upon the type of work you perform.
Worker’s Compensation– If you have any employees, this coverage is required in most jurisdictions,
including the state of Maryland. Worker’s Compensation provides lost wages and
medical expense coverage for work related illness and injury. Since employees
are your most valuable business asset, proper coverage and protection is a must
for every business with employees.
Commercial Auto– Your vehicle gets you to your clients, so make sure you purchase the right
protection for your business. To fully protect your commercial auto exposure,
you want to add optional coverages such as hired and non-owned auto coverage which
are only available on commercial auto policies.
We offer protection and coverage on many types of recreational vehicles including
RVs, motorcycles, boats, personal watercraft and travel trailers. It is important
to know that your insurance agency can grow with you to meet all of your protection
requirements today and in to the future.
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