Insurance agencies · Maryland

Insurance Agencies in Owings Mills, MD

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

Local insight

Insuring a home, car or business in Owings Mills

Owings Mills has 37,245 residents in 14,627 households. We list 27 insurance agencies in Owings Mills. Here is what the local numbers say about the cover people here need.

Owings Mills 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 Baltimore City

FEMA rates the overall natural hazard risk in Baltimore City, where most Owings Mills agencies we list are located, as Relatively High 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 Owings Mills
  • TornadoRelatively High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in Owings Mills
  • 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 Owings Mills

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 Owings MillsHow much liability cover do you need?

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

Insurance companies Owings Mills agencies work with

Of the 10 Owings Mills agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

  1. UnitedHealthcare5 agencies
  2. Centene3 agencies
  3. Devoted Health Plan of Texas,3 agencies
  4. HealthSpring Life & Health Insurance Company,3 agencies
  5. Medicare Advantage3 agencies
  6. Aetna2 agencies
  7. American Heritage Life Insurance Company2 agencies
  8. Gerber Life Insurance Company2 agencies
  9. Medco Containment Life Insurance Company2 agencies
  10. Molina Healthcare of Texas,2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Owings Mills agencies can write

Share of the 27 agencies listed in Owings Mills that are appointed with at least one insurance company writing each type, or that name it on their own website.

  1. Life30%
  2. Health19%
  3. Home11%
  4. Auto11%
  5. Commercial Auto11%
  6. General Liability7%
  7. Business Owners Policy (BOP)7%
  8. Boat7%

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

Questions

Insurance agencies in Owings Mills

How do I find an insurance agency in Owings Mills?

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 Owings Mills?

Most often life, health, accident & health, home, auto. Pick a type in the filters to narrow the list.

Which insurance companies do Owings Mills agencies work with?

Among the 10 Owings Mills agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (5), Centene (3), Devoted Health Plan of Texas, (3), HealthSpring Life & Health Insurance Company, (3), Medicare Advantage (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Owings Mills?

FEMA's National Risk Index rates inland flooding risk in Baltimore City 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 Owings Mills?

54.7% of households in Owings Mills 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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