Halkos Insurance Agency
8635 Cherry Ln, Laurel, MD 20707
View this agency's profile to learn more about their services.
Loading...
City directory
Laurel households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
8635 Cherry Ln, Laurel, MD 20707
View this agency's profile to learn more about their services.
8115 Maple Lawn Blvd, Suite 350, Laurel, MD 20707
View this agency's profile to learn more about their services.
13633 Baltimore Ave, Laurel, MD 20707
View this agency's profile to learn more about their services.
13633 Baltimore Ave, Laurel, MD 20707
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Laurel residents.
Everything Laurel residents need to know about auto, home, and flood insurance in Prince George's County. Get local rates, requirements, and expert tips.
Home InsuranceLaurel home insurance guide covering flood risks near Patuxent River, historic Old Town coverage, Maryland requirements, and how to protect your property.
Car InsuranceGet the auto insurance coverage you need in Laurel, Maryland. Understand MD's 30/60/15 minimums, contributory negligence rules, and how I-95 traffic affects your rates.
Maryland requires liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage. You also need $2,500 in Personal Injury Protection (PIP) and uninsured motorist coverage at the same liability limits, though you can waive the uninsured motorist coverage in writing.
No, standard homeowners insurance policies do not cover flood damage. You need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. The good news is that Prince George's County has a Class 5 CRS rating, giving Laurel residents a 25% discount on flood insurance premiums.
The average homeowners insurance policy in Maryland costs about $1,930 annually for $300,000 in dwelling coverage with a $1,000 deductible. This is below the national average of $2,532. Your actual rate will depend on factors like your home's value, location, age, and your chosen coverage limits and deductibles.
While Maryland doesn't legally require renters insurance, it's highly recommended and often required by landlords. For $15-30 per month, you get coverage for your personal belongings and liability protection. The liability coverage is especially important—it protects you financially if someone gets injured in your apartment or if you accidentally cause damage that affects other units.
Laurel's location in the DC-Baltimore corridor means higher traffic density and congestion, especially during rush hours. More traffic generally correlates with higher accident risk, which insurers factor into their rates. Your specific rate will also depend on your driving record, vehicle type, coverage choices, and where you park your car overnight.
Bundle your auto and home (or renters) policies with the same insurer for 15-25% discounts. Ask about other discounts like good driver, multi-car, security system, or paid-in-full discounts. Maintain a good credit score and clean driving record, as both affect your rates. Finally, review your coverage annually to ensure you're not over-insured or paying for coverage you no longer need.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network