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.


 

Umbrella insurance for businesses provides additional protection in the event that your business exceeds its insurance limits on an underlying policy. Avoid financially devastating losses due to liability claims and lawsuits by purchasing extra protection on your business today.

While business owners, general liability and commercial auto insurance will protect your business in many situations, the aptly named “umbrella” insurance policy gives you even greater piece of mind in the event of a truly catastrophic event that could lead to injury or death.

As a business you can be held responsible for an incident that far exceeds the coverage of your underlying policies. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and property damage claims and ensure your assets are protected in the event of a multi-million dollar lawsuit.