The top-rated condo insurance agent in Frederick, Maryland is Danielle Leonard - State Farm Insurance Agent, rated 5.0 stars across 541 reviews. Other highly rated options include Adams Insurance Agency - A Relation Company, Kathy Schultze - State Farm Insurance Agent, Connie Phillips Insurance. This directory lists 20 condo insurance agents serving Frederick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Danielle Leonard - State Farm Insurance Agent | 1090 W Patrick St suite c | (301) 695-5244 |
| 2 | Adams Insurance Agency - A Relation Company | 474 Prospect Blvd | (301) 662-0340 |
| 3 | Kathy Schultze - State Farm Insurance Agent | 100 Tuscanney Dr E | (301) 694-6711 |
| 4 | Connie Phillips Insurance | 605 W Patrick St | (301) 662-5717 |
| 5 | Lindquist Insurance | 7430 New Technology Way Suite 120 | (301) 694-0008 |
| 6 | BMC Insurance, Frederick MD | 295 Bucheimer Rd B | (301) 698-5425 |
| 7 | Escobar Insurance Agency | 45 Waverley Dr Suite I | (301) 620-0950 |
| 8 | Connie Snook - State Farm Insurance Agent | 1 Mt Olivet Blvd | (301) 695-7896 |
| 9 | Lebherz Insurance | 401 W Patrick St | (301) 662-0250 |
| 10 | Proper Insurance Services, LLC | 50 Citizen's Way #410 | (888) 631-6680 |
Danielle Leonard’s State Farm Insurance Agency serves the Frederick, Maryland area as a dedicated condo insurance agent. It helps condo owners protect their personal property, liability, and interior structures not covered by their association’s master policy. The agency’s work includes assessing individual coverage gaps and explaining how deductibles align with HOA policies. It handles specific services such as loss assessment coverage for shared repairs and upgrades for unit improvements, ensuring each policy matches a condo’s unique needs.
Adams Insurance Agency, a Relation Company in Frederick, MD, provides a full range of condo insurance services tailored to protect individual unit owners. Regarding maintenance plans, the agency can recommend appropriate coverage for interior updates and personal liability. Its team assists clients in understanding policy specifics for shared building elements and common areas. The agency services condo properties throughout the Frederick area, including both single-family homes and apartments, as well as select retail and restaurant properties that require specialized insurance solutions.
Kathy Schultze - State Farm Insurance Agent in Frederick, Maryland, serves homeowners, property managers, and individual condo owners seeking tailored coverage for their residential units. The agency provides guidance on master policy gaps, personal liability, and interior property protection. Residents throughout Frederick benefit from working with a knowledgeable professional who understands the specific insurance needs of condominium owners. The agency also covers clients in the nearby communities of Urbana and New Market, offering the same dedicated service to those areas.
Connie Phillips Insurance serves the Frederick, Maryland area and the surrounding communities. This company handles condo insurance policies designed to protect individual units and personal property. The agency helps clients assess the specific coverage needed by their homeowners association requirements. It addresses gaps between a master policy and personal liability. For a typical job, the agent reviews current condo declarations and personal inventory details to build a policy that fills coverage needs.
Lindquist Insurance offers both one-time and recurring service options for condo owners in Frederick, MD, tailoring the approach to individual property needs. Coverage typically protects interior structures, personal belongings, and liability from accidents inside a unit. A condominium insurance agent can also include loss assessment protection for shared building repairs. Service runs on either a one-time basis for a single policy purchase or as scheduled renewals to adjust coverage annually.
BMC Insurance in Frederick, MD provides specialized condo insurance services, including coverage for interior structures, personal property, and liability protection. The company also offers general guidance on policy options and works to align coverage with homeowners association master policies. As condos can face unique challenges during winter, BMC Insurance helps owners ensure adequate protection against freezing pipes and ice dam damage that may occur in shared building systems.
When storms roll through Frederick, condo owners often face questions about water damage and liability for shared walls. Escobar Insurance Agency helps property owners in Frederick navigate these condo-specific coverage needs. Policies for attached homes require careful assessment of master policy gaps and personal property protection. The agency focuses on matching building ordinance coverage and loss assessment endorsements to fit each homeowner's situation. To begin, a representative typically reviews the existing condominium documents to verify adequate protection before recommending any specific policy.
Connie Snook - State Farm Insurance Agent in Frederick, MD, provides general insurance services for property owners while specializing in condo insurance tailored to individual unit needs. This local agency helps condominium owners understand policies that cover interior structures and personal belongings often excluded by master associations. Their work typically involves assessing personal liability and loss-of-use scenarios unique to communal living. The agent can also assist commercial sectors requiring coverage, such as offices, warehouses, and food service operations, ensuring diverse property protection needs are addressed.
Lebherz Insurance specializes in providing condo insurance coverage tailored to Frederick, Maryland residents. It works with clients to secure policies that protect individual units and personal belongings against common risks. The agency also helps ensure appropriate liability coverage is included. Additionally, Lebherz Insurance can assist with finding separate policies for shared building elements when needed, such as loss assessment coverage for unexpected repairs to common areas.
Proper Insurance Services, LLC provides residential condo insurance in Frederick, Maryland, and also offers commercial coverage for smaller properties in the surrounding area. The agency works with local condo associations and individual unit owners to help secure policies that address shared building structures and interior personal property. Attention is given to common dwelling considerations like liability and loss assessments. Clients may return between regular policy reviews for coverage adjustments or updates.
What Does a a Condo Insurance Agent in Frederick Cost?
Condo insurance in Maryland typically costs between $200 and $500 per year for a standard HO-6 policy. Factors like location in Frederick, coverage limits, and deductible amounts affect the premium. Flood insurance through the NFIP costs extra and averages around $700 per year in flood zones. This is general information and not insurance advice.
About condo insurance agents in Frederick
Condo insurance agents in Frederick Maryland help owners secure HO-6 policies that cover personal property and interior building elements. Maryland law requires condo associations to carry master policies but individual unit owners need their own coverage for improvements and liability. A local agent can explain how the Maryland Condominium Act affects your insurance needs.
Frequently Asked Questions
What does a condo insurance agent do in Frederick Maryland?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings, interior walls, and liability. They also explain how your coverage works with the association master policy required by Maryland law.
Is condo insurance required in Maryland?
Maryland does not legally require condo insurance for unit owners. However most mortgage lenders require an HO-6 policy and many condo associations also mandate minimum coverage in their bylaws.
What is typically covered by a Maryland condo insurance policy?
Standard HO-6 policies cover personal property, interior fixtures, and liability. Maryland law also allows coverage for loss assessment if the association master policy has a shortfall. You may need separate flood insurance in Frederick.
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