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About Us

Waldorf Insurance Agent“Insurance is the most important thing a person buys because it protects him against the loss of everything he has in the world . . . . Why then should he be less concerned about the quality of his insurance than he is about the quality of anything else he buys?” – H.O. Hirt Founder of Erie Insurance

A.F. Szabo Insurance Agency Inc. is a family-owned and operated insurance agency serving the counties of Charles, St. Mary, Calvert, and Prince George’s in Maryland since 1975. Locally owned and operated, we understand the challenges faced by our neighbors and the surrounding community and provide insurance to decrease the damages that may occur in life. Our founder, Andrew Szabo Sr, has been working in insurance since 1970. His daughter joined the agency in 1984, creating a personal atmosphere in a very professional setting.

We are an independent agency that works with a number of insurance carriers. We serve you – not the insurance company – and our main interest is to find the policies and plans that best suit your needs. When you come to us, we will check with multiple carriers in order to discover the best coverage and best price for your insurance plans.

As an independent insurance agency, we provide all types of personal insurance, auto insurance for your vehicle, and home insurance whether you are a homeowner, condo owner or renter (tenant). If you are seeking financial insurance programs like annuities or life insurance or any type of business insurance – from commercial auto to workers compensation to professional liability – our experienced agents here can help you.

We pride ourselves on our personal, one-on-one approach to insurance. We will help you with everything from coverage selection to filing a claim. You may e-mail our agents directly if you have any questions.


Szabo Insurance was established in 1970 in the basement office of Andrew’s home. In 1981, we opened an office in the old Community Bank of Tri-County. In 1991, we built our condo-office in The Barley Professional Building in the heart of Waldorf, Maryland. We are a small family-owned and run independent insurance agency.

Our agency has proudly represented ERIE INSURANCE GROUP, one of the premier insurance companies in the industry, since we opened our doors. As an independent agency, we also represent many other quality insurance companies and will search to find the company that most closely meets your insurance and protection needs.

Our goal is to establish a relationship, a partnership, between our clients, the insurance company and our agency. Our clients are treated as individuals with a name, not a policy number. We strive to have one agent service all your needs, starting with your first contact for a quotation through all the many changes in your life that require adjustment to your coverage.


To provide a variety of high quality insurance protection products and value to our personal and business clients, delivering a superior level of service, information, and integrity to our customers while meeting or exceeding their expectations.

Whatever your age or stage in life, you have something of value. It may be property, a possession, people, or just your peace of mind, but you want to protect it. A.F. Szabo Insurance Agency, Inc. will help you repair, restore, or replace something in the event of loss, damage, even death. Based in Waldorf, Maryland, we are a family-run business that helps our neighbors in surrounding communities get the insurance coverage that meets their needs and their budget. We are an independent insurance agency that represents many insurance carriers and can thus offer you a wide choice of coverage options.

For anything in which you’ve invested time or money or both – a car, your home, a boat, your business – contact us at A.F. Szabo Insurance Agency for a FREE quote. We’ll find the right policy to protect your investment and help you face the future with a bit more confidence.

An Independent Advantage

We are Independent Agents in Waldorf, Maryland, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. A.F. Szabo Insurance Agency Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or business owner policy — you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.