Germantown has 90,719 residents in 31,828 households. We list 7 insurance agencies in Germantown. Here is what the local numbers say about the cover people here need.

Germantown at a glance

7insurance agencies listed
32.8%of households rentRenters insurance
$422,400median home valueHome insurance
1990median year homes were builtRebuild cost calculator
7.5%of households have no carAuto insurance

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 Germantown 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 Germantown
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 Germantown
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 Germantown

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

Car insurance rules in Maryland

Maryland requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15. It also requires personal injury protection ($2,500) and uninsured motorist coverage ($30,000 per person, $60,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Germantown How much liability cover do you need?

Source: mgaleg.maryland.gov. Checked 2026-10-24.

What Germantown agencies can write

Share of the 7 agencies listed in Germantown that are appointed with at least one insurance company writing each type, or that name it on their own website.

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

Where Germantown agencies are

Germantown agencies we list sit in 2 ZIP codes, mostly in Montgomery County.

208744 agencies
208763 agencies

Questions

Insurance agencies in Germantown

How do I find an insurance agency in Germantown?

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.

What insurance can I get from agencies in Germantown?

Most often home, auto, renters, condo, landlord. Pick a type in the filters to narrow the list.

Do I need flood insurance in Germantown?

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 Germantown?

32.8% of households in Germantown 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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