The top-rated landlord insurance agent in Silver Spring, Maryland is Universal Insurance Group, rated 5.0 stars across 722 reviews. Other highly rated options include Chris Aguirre - State Farm Insurance Agent, ZELAYA INSURANCE AND BUSINESS SERVICES LLC, Cindi Scafide - State Farm Insurance Agent. This directory lists 31 landlord insurance agents serving Silver Spring.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Universal Insurance Group | 11161 New Hampshire Ave # 400 | (301) 360-4560 |
| 2 | Chris Aguirre - State Farm Insurance Agent | 8455 Colesville Rd Unit 970 | (301) 946-4446 |
| 3 | ZELAYA INSURANCE AND BUSINESS SERVICES LLC | 14021 Georgia Ave Ste C-2 | (240) 355-7919 |
| 4 | Cindi Scafide - State Farm Insurance Agent | 8403 Colesville Rd #1100 | (301) 588-1497 |
| 5 | Ashley Deadwyler-Jones - State Farm Insurance Agent | 12057 Tech Rd b | (301) 273-3205 |
| 6 | ERIE Insurance - Harders & Bradford Insurance Agency | 512 E Randolph Rd L | (301) 879-5900 |
| 7 | Ray Mensah - State Farm Insurance Agent | 11205B Lockwood Dr | (301) 681-4450 |
| 8 | Nationwide Insurance: Won K. Kim Insurance Agency, Inc. | 12111 Heritage Park Cir | (301) 962-8300 |
| 9 | RightAway Insurance of Silver Spring Maryland | 1900 Lyttonsville Rd | (888) 643-2161 |
| 10 | Dawn Insurance Group | 109 Claybrook Dr | (240) 729-8261 |
Universal Insurance Group serves the Silver Spring, Maryland area as a landlord insurance agent. The company provides property coverage tailored for residential and commercial rental property owners. Policies typically address liability protection, loss of rental income, and building structure repairs. Landlords in this region often require protection against tenant damages and weather-related incidents. Universal Insurance Group handles customized policies for single-family rentals and multi-unit apartment buildings.
Chris Aguirre - State Farm Insurance Agent in Silver Spring, Maryland, provides a full range of landlord insurance services, including coverage for property damage, liability protection, and loss of rental income. Service options can be tailored to the specific needs of each rental property, with plans designed to manage common risks associated with leasing. This location services various property types such as single-family homes, apartments, retail spaces, and restaurants.
ZELAYA INSURANCE AND BUSINESS SERVICES LLC serves homeowners, businesses, and property managers who need landlord insurance coverage in the Silver Spring area. The agency helps clients protect rental properties from common risks such as liability claims, property damage, and loss of rental income. It offers guidance on policy options suited for residential and small commercial landlords. The agency also provides insurance services for property owners in neighboring communities throughout Montgomery County and the wider Washington, D.C., metro region.
Serving Silver Spring and the surrounding Maryland communities, Cindi Scafide - State Farm Insurance Agent provides landlord insurance services for property owners. The agency handles policies that protect rental dwellings, covering risks such as property damage and liability issues common to residential leasing. A typical job begins with a thorough review of the client’s rental property and coverage needs. It then structures a policy that aligns with the specific property type and local market exposures.
For one-time coverage, a policy protects a single property for a specific lease term, while recurring service options bundle multiple units under a continuous liability plan. Ashley Deadwyler-Jones - State Farm Insurance Agent in Silver Spring, MD, helps landlords select between these structures, addressing property damage and lost rental income. Policies typically cover repairs and legal costs from tenant disputes. Service runs on a one-time or as-needed basis, with scheduled reviews available at policy renewal.
ERIE Insurance Harders & Bradford Insurance Agency specializes in landlord insurance policies that protect rental properties and their owners from liability, property damage, and loss of rental income. From its Silver Spring location, it serves local landlords by evaluating coverage needs for single-family rentals and small apartment buildings. It reviews policy limits to address the specific risks of tenant-occupied homes, including fire or water damage. As winter approaches, the agency helps property owners secure coverage for frozen pipes or roof collapse due to heavy snow.
As the weather in Silver Spring shifts with the seasons, local landlords often find themselves inspecting properties for damage or vacancy. Ray Mensah - State Farm Insurance Agency serves as a landlord insurance agent, helping property owners protect their investments against common risks like fire, theft, or liability claims. The company provides proactice guidance tailored to residential rental properties in the area. An initial phone consultation or in-person inspection of the unit is typically scheduled to assess coverage needs before any policy is finalized.
Nationwide Insurance: Won K. Kim Insurance Agency, Inc. in Silver Spring, MD provides landlord insurance coverage to property owners in the local area. This agency specializes in policies that protect rental dwellings, including liability protection and coverage for building damage. It can also assist with additional endorsements tailored to different property types. Its services are available for commercial sectors such as offices, warehouses, and food service establishments.
RightAway Insurance of Silver Spring Maryland meets residential landlord insurance needs for local property owners. It also provides commercial coverage that protects rental buildings and multifamily dwellings throughout Silver Spring. Residential policies can safeguard single-family rental homes. The agents help property owners understand typical risks like liability protection and dwelling replacement. They write coverage clearly for local landlords. The company serves Silver Spring and surrounding areas within normal commuting distance. Clients can expect thorough policy review at each renewal period and quick follow-up between regular visits.
Dawn Insurance Group of Silver Spring, Maryland serves as a landlord insurance agent specializing in coverage for residential rental properties. The agency assists property owners in this area with policies that protect against common risks such as property damage, liability claims, and lost rental income. Clients receive guidance on tailoring coverage limits to match their specific portfolio needs. As a specialty service, Dawn Insurance Group can provide additional coverage for vacant rental properties between tenants.
What Does a a Landlord Insurance Agent in Silver Spring Cost?
Landlord insurance in Maryland typically costs between 15 and 25 percent more than standard homeowners insurance. For a single-family rental in Silver Spring, annual premiums often range from 800 to 1,500 dollars, depending on property age, coverage limits, and deductible. Multi-unit properties or those with higher liability limits can cost 2,000 dollars or more per year. This is general information, not insurance advice.
About landlord insurance agents in Silver Spring
Landlord insurance agents in Silver Spring help property owners protect their rental investments with policies tailored to local risks. Maryland law requires landlords to maintain certain property standards, and a good agent can explain how liability coverage and dwelling protection work under state regulations. Working with a Silver Spring agent ensures you understand local zoning and tenant laws that affect your policy needs.
Frequently Asked Questions
What does landlord insurance cover in Silver Spring Maryland?
Landlord insurance typically covers the dwelling structure, liability for tenant injuries, and loss of rental income. In Maryland, policies may also include coverage for water damage from plumbing failures, which is common in older Silver Spring buildings. An agent can help you add endorsements for flood or sewer backup risks.
Is landlord insurance required by law in Maryland?
Maryland does not legally require landlord insurance, but most mortgage lenders require it for rental properties. Without coverage, you could be personally liable for tenant injuries or property damage. Many Silver Spring landlords also choose liability coverage to protect against lawsuits under Maryland premises liability law.
How does Maryland law affect landlord insurance costs?
Maryland has specific landlord-tenant laws that can influence insurance needs, such as the requirement to provide habitable housing and maintain smoke alarms. These obligations increase liability risks, which can raise premiums. Silver Spring agents factor in local property values and claims history when quoting rates.
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