Independent Insurance Agency Serving Baltimore, MD

Yes. Maryland law requires $2,500 in Personal Injury Protection (PIP) with every auto policy under Maryland Insurance Code Section 19-505. PIP covers medical expenses for you and your passengers regardless of who caused the accident. Drivers who have health insurance may elect a reduced or waived PIP option, but this must be done in writing. We explain the trade-offs during every quote.

Yes. Maryland requires Uninsured Motorist (UM) coverage at the same limits as your liability coverage under Maryland Insurance Code Section 19-509. This means if your liability is 30/60/15, your UM coverage must also be at least 30/60/15. This requirement provides important protection given that a meaningful percentage of Maryland drivers are uninsured.

Baltimore homeowners insurance costs vary by home age, construction type, location, proximity to flood zones, and carrier. Baltimore's older housing stock and urban density can affect rates relative to suburban Maryland counties. As an independent broker we compare 30 plus carriers to find the most competitive rate for your specific property and ZIP code.

Yes. Baltimore sits on the Chesapeake Bay at the mouth of the Patapsco River, and the city has documented flood vulnerability. Standard homeowners and renters policies do not cover flood damage. Baltimore neighborhoods near the Inner Harbor, Middle Branch, and the Patapsco River may fall within FEMA Special Flood Hazard Areas. Tropical systems tracking up the Atlantic coast can also bring heavy rainfall and storm surge risk to the Baltimore metro. We evaluate your property's flood zone designation and compare NFIP and private flood coverage options.

Most Baltimore small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. Maryland requires workers compensation for most employers with one or more employees (Maryland Code, Labor and Employment Article Section 9-402). Service businesses should also consider Professional Liability. We identify the right combination for your industry.

Yes. Renters insurance covers your personal belongings against theft, fire, and other covered perils, provides liability protection if someone is injured in your rental, and includes loss-of-use coverage if your unit becomes uninhabitable. Flood damage is not covered by renters insurance and requires separate flood coverage. Baltimore renters insurance typically costs $15 to $25 per month depending on coverage limits.

Yes. Dragon Insurance is licensed in Maryland and serves clients throughout Baltimore City and Baltimore County including Towson, Catonsville, Essex, Dundalk, Pikesville, Owings Mills, and Columbia. We handle all quotes by phone and online, with no office visit required. Call 717-229-5115 or request a quote online to get started.