Insurance agencies · Maryland

Insurance Agencies in Derwood, MD

Local agencies in Derwood for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Derwood

Derwood has 1,984 residents in 820 households. We list 6 insurance agencies in Derwood. Here is what the local numbers say about the cover people here need.

Derwood at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Montgomery County

FEMA rates the overall natural hazard risk in Montgomery County, where most Derwood agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherVery High
  • Strong windRelatively High

    Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

    Home insurance in Maryland
  • HailRelatively High

    Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.

    Home insurance in Maryland
  • Inland floodingRelatively High

    Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

    Flood insurance
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Maryland

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

What Derwood agencies can write

Share of the 6 agencies listed in Derwood that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Workers' Compensation17%
  2. General Liability17%
  3. Business Owners Policy (BOP)17%
  4. Commercial Auto17%
  5. Professional Liability17%
  6. Home17%
  7. Auto17%
  8. Condo17%

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Derwood

How do I find an insurance agency in Derwood?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Derwood?

FEMA's National Risk Index rates inland flooding risk in Montgomery County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Derwood?

42% of households in Derwood rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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