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.


 

When planning your next special event, prepare for what can happen in the event Mother Nature decides to crash your party. Lassen, Marine & Webster can provide you with special event insurance which provides liability protection for individuals and companies hosting fundraisers, meetings, or other corporate occasions.

In today’s litigious society, individuals, companies or venues planning events are subject to potential liability suits from spectators, contractors, customers and event attendees. Weather is also a factor when planning an event and could potentially cause you a significant financial loss. Whether you are planning a holiday event, play, fundraiser, seasonal events, business conferences, weddings, political event, religious event, etc. talk to your Lassen, Marine & Webster agent about special event insurance. Coverages include, but are not limited to:

  • General Liability
  • Liabilities related to auto and property damages, liquor liability, 3rd part property damage
  • Loss or destruction of rented or owned equipment, sets, props, wardrobes, etc.
  • Losses for medical liability of  event participants and  spectators
  • Protects against bodily injury and property damage claims from:
    • Operations
    • Premises
    • Products and completed operations
    • Advertising
    • Person Injury