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About American Heritage

American Heritage Insurance Agency, Inc. is an independent insurance broker in Carroll County, Maryland. We have been in business since 1983 and today have clients and their property insured in Maryland, the mid-Atlantic region, and throughout many other states in the U.S. Our hope is that you will become our long-term customer because you understand the added value of having a professional insurance agent on your side.

American Heritage Insurance Can Serve as Your

Our Mission and Goals

Our independent agency was founded in 1983 by Gerald F. Zoller CPCU, CIC with the following goals:

  • To offer the most complete, accurate and competitive insurance available.
  • To provide superior service and personal attention.
  • To serve the interest of all clients with the highest degree of honesty and integrity.

Our Team

Each year our entire staff of very experienced agents take additional insurance courses to stay current with the latest changes in our industry. The majority of our staff have earned the Certified Insurance Counselor (CIC) designation that requires an additional 20 hours of continuing education annually.

Our Offices

Our offices are located just west of Baltimore in Carroll County, Maryland. The address is 1643 Liberty Rd. (Rt. 26) Eldersburg, MD. Our building is next door to the Eldersburg Medical Center and we are on the second floor in the suits 201-202.


Why Choose American Heritage

The old adage that “cheaper is not always better” is especially true with insurance where good, sound insurance advice can literally save thousands of dollars for you, your family, or your business. We know you have many choices today where you can buy insurance. But we think you will enjoy working with us (as over 1,400 business and individual customers already do) because we:

  • Represent many quality insurance carriers we hand-picked for their quality offerings.
  • Make ongoing investments in educating our staff.
  • Use the latest technology to serve our clients’ needs more efficiently.

We believe you won’t find a place that offers more personal attention to your insurance needs than American Heritage Insurance Agency, Inc.!

What Our Clients Say...

Over and above the time, effort and saved dollars that you put into earning our business – your careful attention to detail in getting our coverage right is what mattered the most. Thank you for educating me about the differences in coverage and for reallocating our insurance dollars to minimize our exposure while maximizing our policies.

- Eric L, President of Jeffrey Press, Inc.

Click here to view the areas that we serve

Frederick County: Frederick (21701, 20702, 21703, 21709), New Market (21774) , Mount Airy (21771), Urbana (21704), Ijamsville (21754), Walkersville (21793), Libertytown (21762), Damascus (20872), and more.

Howard County: Clarksville (21029), Columbia (21044), Cooksville (21723), Dorsey (21075), Elkridge (21075), Ellicott City (21043), Fulton (20759), Glenelg (21737), Glenwood (21738), Granite (21163), Hanover (21076), Highland (20777), Jessup (20794), Lisbon (21765), Marriottsville (21104), North Laurel (20723), West Friendship (21794), Woodbine (21797), Woodstock (21163), and more.

Montgomery County: Olney (20832), Damascus (20872), Laytonsville (20882), Silver Spring (20910), Clarksburg (20871), Gaithersburg (20878), Germantown (20876), Bethesda (20816), Chevy Chase (20815), and more.

Baltimore County: Arbutus (21227), Catonsville (21228, 21250), Cockeysville (21030, 21031, 21065), Dundalk (21222), Edgemere (21219), Essex (21221), Garrison (21055), Lansdowne (21227), Lochearn (21207), Lutherville (21093), Middle River (21220), Milford Mill (21244), Overlea (21236), Owings Mills (21117), Parkville (21234), Park Heights (21215), Pikesville (21208), Randallstown (21133), Reisterstown (21136), Rosedale (21237), Timonium (21093), Towson (21204), White Marsh (21162), Woodlawn (21207), and more.

Carroll County: Eldersburg (21784), Finksburg (21048), Hampstead (21074), Manchester (21102), Marriottsville (21104), Taneytown (21787), Union Bridge (21791), Westminster (21157, 21158), Mount Airy (21771), New Windsor (21776), Sykesville (21784), Woodbine (21797), Taneytown (21787), and more.

We also serve the rest of Maryland and the United States.