Frequently Asked Questions

How does the mortgage protection term insurance differ from other types of term life insurance?

The face amount under mortgage protection term insurance decreases over time, consistent with the projected annual decrease in the outstanding balance of a mortgage loan. Mortgage protection policies are generally available to cover a range of mortgage repayment periods, like 15, 20, 25 or 30 years. Although the face amount decreases over time, the premium is usually level in amount. Further, the premium payment period often is shorter than the maximum period of insurance coverage – for example, a 20-year mortgage protection policy might require that level premiums be paid over the first 17 years.

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Contact Information

Churchville location »
2907 Churchville Road, P. O. Box 70
Churchville, MD 21028
(800)519-8387

Elkton location »
211 West Main Street
Elkton, MD 21922
(800)519-8387

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BUSINESS INSURANCE

Business owners in Harford and Cecil County can rest assured knowing there is a local, independent agent nearby able to access and customize insurance plans to meet the needs of your specific industry and situation.


 

Most standard property insurance policies do not include the off-premises protection for your businesses equipment. By insuring your equipment, you are ensuring that your business will run smoothly on a day-to-day basis no matter what the unexpected brings.

Protect your investment in equipment with business equipment insurance which protects items that are not generally confined to one location, like laptops, computers, mobile equipment, telephones and electrical systems. Other items protected include, but are not limited to:

  • Goods in transit
  • Buildings under construction
  • Equipment that moves from one job location to another
  • Data
  • Fine artwork