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Save With Discounts

It is often possible to further reduce your auto insurance costs if you qualify for one or more of the many discounts, such as:

• Safe Driver
• Multi-Car
• Age 55 or over
• Passive Restraints
• Anti-Theft Devices
• Anti-Lock Brakes
• Multi-Policy
• Longevity
• Payment Plan
• Life Multi-Policy
• Youthful Driver
• Auto Accident Prevention Course
• College Student
• Driver Training
• Reduced Usage

So why not take a moment to get a no-obligation review of your current policy or request an auto insurance quote.  Our experienced agents are waiting to hear from you. 

Here at the Daniel Howley Insurance Agency in Rockville, Maryland, we are committed to keeping your auto insurance rates as low as possible while still providing you the coverage you need and the best service in the business.  Whether you are a resident in Maryland (MD) or Virginia (VA), we know the guidelines so we can help you plan your coverage and avoid costly mistakes down the road.

Auto insurance is your protection from the financial loss incurred because of an automobile accident.  Your car insurance policy will define exactly how your insurance company will handle your losses when you submit a claim.

Generally, auto insurance includes several types of coverage:

• Bodily injury liability coverage pays for injuries someone else suffers in an auto accident if you are at fault.
• Medical Payments or Personal Injury Protection provides reimbursement for medical treatment suffered by you and/or your passengers during an accident.
• Property damage liability covers damage you caused to someone else’s property.
• Collision coverage pays for damages to your own vehicle in case of an upset or collision with another car or object.  
• Comprehensive insurance covers your loss when you experience fire, theft, glass breakage, or damage to your vehicle from something other than collision.
• Uninsured/Underinsured Motorist coverage reimburses for your injuries in case of an accident involving a person without auto insurance, with lower limits that yours which are insufficient to cover your damages, or with a hit-and-run driver.  

Optional Auto Insurance Coverages:

• Rental Car Reimbursement
• Emergency Towing
• Loan Security Protection 
• Sample stuff

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action. 

Condominium (Condo) Insurance for Maryland (MD) and Virginia (VA)

When your home is a condominium, no matter the building structure, would you know what questions to ask your condo association before purchasing insurance to cover your investment?  Condo owners' needs vary.  Here at the Daniel Howley Insurance Agency, Inc. in Rockville, Maryland, we can help you understand your options and responsibilities and walk you through making the right choices for your own condo insurance needs whether you are a resident of Maryland (MD) or Virginia (VA).

Condominium insurance provides coverage for your personal belongings as well as coverage for structural improvements to your dwelling and additional living expenses if you are forced to temporarily relocate during repair/rebuilding of your unit following a covered disaster.

What is not Covered by your Condo Insurance

Your condo insurance policy will not cover the common areas you share with other condo owners in your building.  These typically include the roof, basement, elevator and walkways. These common areas are usually covered by a “master policy” purchased and owned by the condominium association or board.

What to Insure As a Condominium Owner

To ensure that your condo insurance policy offers adequate coverage, first consult your association’s by-laws or proprietary lease, and speak with condo or insurance specialists.  Sometimes, a condominium association is responsible for the entire condo unit as originally built, but sometimes only for the bare walls, floors and ceiling.  In case of the former, you must only insure alterations to the original structure; but in the latter case, you must insure built-in appliances and casework, wiring, plumbing, kitchen and bath fixtures, etc. 

Additional Coverages for your Condo

Coverages in addition to your condominium insurance policy might include:

• Unit assessment to pay your share of an assessment charged to all unit owners by the association for the repair of loss sustained through damage to the common areas.
• Flood or earthquake insurance since these disasters are not typically covered by your condo policy.
• Water back-up coverage pays for loss caused by sewer or drain back-up.
• Additional coverage for expensive belongings such as furs, collectibles, jewelry, etc.
• Catastrophe Liability (Umbrella) coverage to supplement your standard condo insurance policy.

Our capable agents here at the Daniel Howley Insurance Agency in Rockville, MD, have experience with condominium insurance; and with their help, you can learn about available discounts and coverage choices to create just the right policy for your needs if you reside in MD or VA.  So why not contact us today to discuss how we can help or get a Condo Insurance quote.

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Daniel Howley Insurance Agency, Inc. before making any decisions or choosing a course of action.

Flood Insurance, not homeowners, covers flood damage to your home.

Although you might not live near water, flooding can still cause significant – even devastating – damage to your home and property.  Protection for flood damage is purchased separately from your standard homeowner  or condominium insurance policy.  Here at the Daniel Howley Insurance Agency in Rockville, Maryland, we know the guidelines and we can help you build the right flood insurance policy for your situation whether you are a resident of Maryland (MD) or Virginia (VA).

Should Everyone Have Flood Insurance?

Flood insurance will protect you from losses incurred by flood damage to your home and belongings.  It is available to you whether you are a homeowner or a renter.  In fact, if you own a home located in a designated flood zone and you have a mortgage, your bank might require you to carry a flood insurance policy.  Standard homeowners, condo and renters insurance do not cover damage caused by flood or surface waters. 

When and Where Should One Purchase Flood Insurance?

Flood insurance is available through our agency, from the National Flood Insurance Program (NFIP).  Even if you do not live in a designated flood zone, you should consider securing a flood insurance policy if your home and possessions are at risk from overflowing creeks, ponds, etc.  You should plan to purchase your flood insurance policy well before flooding danger exists.  There is at least a 30-day waiting period from the time you purchase the policy to the date it is effective.

What Does Flood Insurance Cover?

Flood insurance covers all types of homes and condos, but there are many limitations.  If your home has been improved with a furnished, finished basement, those improvements are not covered by the NFIP policy.  However, appliances and fixtures typically found in an unfinished basement will usually be covered.  It will also pay for your possessions at a depreciated amount.

Don’t wait until the water starts to rise.  Get the details now.  For more  information about NFIP, visit www.fema.gov, or speak with one of our capable agents, experienced in the options and coverage choices of flood insurance who can help you get the answers you need to create just the right policy for your needs.  Whether you live in Maryland (MD) or Virginia (VA), just contact us today to discuss how we can help.

The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those here in Timonium, MD at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action.