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Maryland Personal Insurance

New home? New car? New ring? Or just looking for better pricing or advice? American Heritage Insurance Agency is an independent agency representing both national and regional carriers offering all major lines of personal insurance. Our Carroll County personal insurance agents will review your exposures to risk and recommend the best combination of coverages tailored to your specific needs at a competitive price.

You Can Rely on Us for:

Our Process

We treat each client with a personalized approach. The process typically involves:

  • Review limits and current policies
  • Assess risks
  • Obtain multiple quotes
  • Recommend coverage
  • Explain the benefits
  • Look for discounts

Coverage That Grows With You

We recognize that insurance programs of individuals and families vary greatly. Families with teenage drivers have different insurance needs than families nearing retirement. Young couples just starting out in an apartment will need different coverage than an established family with several autos and a home. Our personal insurance agents are here to help you adapt and find the most cost-effective insurance solutions as your needs change and as your personal risks evolve.

business woman personal

Home-Based Businesses

It can be difficult to separate business from home and figure out what is covered under which policy. Don’t worry! Our Maryland personal insurance experts are familiar with company rules and what types of businesses may or may not be covered by your personal insurance policy. We will help you determine what additional coverage you may need to purchase to keep your business protected.

Please contact our personal lines representatives for an insurance review and quote.

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.