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.


 

Don’t let flood insurance be an afterthought for your businesses. In the Chesapeake bay area, it is a necessary addition to your existing property insurance.

The risk of suffering losses from flood damage is often very high because many business owners do not realize flooding is not covered under their property insurance policy. The only way to protect your personal property, building and valuable information from flood damage is with flood insurance for your business. Whether you are in a designated flood zone or not, you should consider flood insurance coverage because intense rains or winds can bring floods even to non-coastal business locations. Standard coverages include:

  • Building coverage
  • Contents Coverage
  • Replacement Cost