Insuranceworks
1110 E Main St, Westminster, SC 29693
View this agency's profile to learn more about their services.
City directory
Westminster 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.
1110 E Main St, Westminster, SC 29693
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Westminster residents.
Complete insurance guide for Westminster, CA. Learn about 2025 auto requirements, home coverage, earthquake/flood risks, and local agents in Orange County.
Maryland requires 30/60/15 liability coverage ($30,000 per person, $60,000 per accident for bodily injury, $15,000 for property damage), uninsured/underinsured motorist coverage at the same limits, and $2,500 in Personal Injury Protection (PIP). Maryland's requirements are more comprehensive than most states because they mandate uninsured motorist coverage, which many states make optional.
Westminster homeowners typically pay between $1,630 and $1,945 annually for home insurance, which is about 24% below the national average of $3,467. Your actual rate depends on your home's age, construction type, location within Westminster, and claims history. Shopping around matters, as rates can vary significantly between carriers.
Local Westminster agents like Crawford Yingling (100+ years in business) and Kight's Insurance (65 years) offer personalized service and Carroll County-specific knowledge that online carriers can't match. They understand local risks, provide face-to-face claims assistance, and can advocate for you with insurers. However, online options may offer lower rates for straightforward situations, so it's worth comparing both before deciding.
The most valuable discount is bundling auto and home insurance with one carrier, which typically saves 15-25% on both policies. Other common discounts include security systems, multiple vehicles, good driving records, higher deductibles, and loyalty rewards. McDaniel College students and alumni may qualify for education discounts, and some insurers offer professional, military, or homeowner discounts on auto policies.
Westminster isn't in a high-risk flood zone, but flood insurance is worth considering if your home is near streams or in a lower-lying area. Standard homeowners policies don't cover flood damage, and flood insurance is separate, typically costing a few hundred dollars annually. Even if you're not required to have it by your mortgage lender, it provides valuable protection since flood damage can be catastrophic and expensive.
You should compare insurance rates every 2-3 years even if you're satisfied with your current coverage. Insurance companies regularly adjust their pricing models, and a carrier that offered competitive rates years ago might no longer be your best option. Getting quotes doesn't commit you to switching, but it ensures you're getting fair pricing and gives you negotiating leverage with your current insurer.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network