Insurance agencies · Maryland

Insurance Agencies in Havre de Grace, MD

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

Local insight

Insuring a home, car or business in Havre de Grace

Havre de Grace has 14,994 residents in 6,429 households. We list 5 insurance agencies in Havre de Grace. Here is what the local numbers say about the cover people here need.

Havre de Grace 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 Harford County

FEMA rates the overall natural hazard risk in Harford County, where most Havre de Grace agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherRelatively High

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 MarylandHow much liability cover do you need?

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

What Havre de Grace agencies can write

Share of the 5 agencies listed in Havre de Grace that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Life60%
  2. General Liability20%
  3. Professional Liability20%
  4. Workers' Compensation20%
  5. Business Owners Policy (BOP)20%
  6. Home20%
  7. Umbrella20%
  8. Auto20%

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

Questions

Insurance agencies in Havre de Grace

How do I find an insurance agency in Havre de Grace?

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 Havre de Grace?

Most often life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Havre de Grace?

FEMA's National Risk Index rates inland flooding risk in Harford County as Relatively Moderate 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 Havre de Grace?

28.4% of households in Havre de Grace 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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