Motorcycle Insurance for Maryland (MD) and Virginia (VA)

When the open road calls, you and your motorcycle are ready to roll!  You will want the security of knowing that you are protected in the case of damage, accidents and theft.

You can get that peace of mind here at the Daniel Howley Insurance Agency in Rockville, Maryland.  We can help you sort through your options and arrive at the best insurance coverage for your bike.

Motorcycle insurance can include various types of coverages, and your state’s requirements will determine the minimum coverage you will need. 

Types of Motorcycle Coverage

• Liability insurance which includes property damage or bodily injuries that you cause to others when involved in an accident. 
• Uninsured/Underinsured motorist coverage pays for damage to you and your property when another driver who is at-fault is either not insured or does not have sufficient insurance to cover your losses.
• Collision insurance covers damage to factory-standard parts on your bike incurred during an accident when you collide with another vehicle or object according to the terms of your policy.
• Comprehensive insurance covers damage of the factory-standard parts of your motorcycle caused by something other than collision such as vandalism, theft or fire.

Do you Need Additional Insurance Coverage for Your Bike?

If your motorcycle has non-factory-standard elements, like a custom paint job, chrome parts or other added accessories, sidecars, trailers, other equipment, you should consider additional coverage for your motorcycle insurance.

How About Discounts?

Various insurance discounts could be available, depending upon your age and driving record, your bike’s type, style, age and location and whether you are a member of a motorcycle association and/or have completed a motorcycle safety rider course. 

If you are located in MD or VA, why not sit down with one of our agents who can discuss your state’s guidelines and help you with available discounts and coverage choices to create just the right policy for your needs.  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 at the Daniel Howley Insurance Agency before making any decisions or choosing a course of action.

Personal Catastrophe Liability (Umbrella) Insurance Coverage for MD, VA

What happens if the settlement following an accident far exceeds your insurance coverage?  Although high six-figure awards are still uncommon except in corporate lawsuits, they can happen. Personal catastrophe liability coverage (umbrella insurance coverage) is your answer.  Here at the Daniel Howley Insurance Agency in Rockville, Maryland (Montgomery County), we want to be sure you have that extra protection and avoid such devastating loss.

An umbrella insurance policy offers personal catastrophe liability (umbrella) insurance coverage that extends your financial protection beyond your homeowners, renters, condo and auto insurance coverages. 

The amount of additional coverage is most commonly one million dollars, and some insurance companies offer higher amounts. 

Personal catastrophe liability coverage protects you, your covered family members and your household pets against damages to another person or their property or belongings, whether on your premises or anywhere in the world.

Although claims that exceed what a home or auto policy can provide are still uncommon, a single loss of this type can alter your future.  With an umbrella liability insurance policy, your risk is in the severity of a claim, not the frequency. 

This is a relatively inexpensive type of coverage, so why take the risk?  The experienced representatives at the Daniel Howley Insurance Agency, here in Rockville, MD, can take care of the details.  So contact us to get the protection you need today.

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.

Renters Insurance protects your belongings and covers others’ claims.

Whether you rent a house or an apartment, you will need to protect your personal property and insure against others’ claims of damage or injury.

Here in Rockville, Maryland at the Daniel Howley Insurance Agency, we can help you understand your options and responsibilities as a tenant and walk you through making the renters coverage choices for your personal property whether you live in Maryland (MD) or Virginia (VA).

Renters (or Tenants) insurance is your financial protection from destruction or loss of your possessions or for personal liability claims brought by others.

Renters Coverage – Policy Features

A renter insurance policy provides the following types of coverage:

• Personal property coverage protects your belongings against loss or against damage in your home or elsewhere.
• Personal liability covers claims brought against you by others for their bodily injury or damaged property occurring at your home or elsewhere when you, your covered family members or your household pets are at fault.
• Loss of use covers your additional living expenses if/when you are forced to live elsewhere while your home is repaired/rebuilt after a covered peril loss.

All Renters Policies are not Alike. 

You may purchase coverage with two different valuation methods:

• Actual cash value reimburses the full value of your lost/damaged possessions up to the limit of your policy after deduction for depreciation.
• Replacement cost does not deduct for depreciation.

Optional Renters Insurance Coverages

As a tenant, your renters insurance policy may be tailored to respond to your specialized needs by adding optional coverages such as:

• Sewer or Drain back-up coverage
• Earthquake coverage

Our capable agents here at the Howley Insurance Agency have experience with renters insurance; and with their help, you can learn more about available discounts and coverage choices to create just the right policy for your needs.  So why not contact us today to discuss how we can help or get a homeowners 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 before making any decisions or choosing a course of action.