Calvert County Insurance From a Family Agency
Serving Prince Frederick, Chesapeake Beach, and Solomons
We are an independent insurance agency serving Calvert County families and businesses, comparing coverage across multiple carriers so your home, auto, and business policies account for real Chesapeake Bay risk instead of a template written for somewhere inland.
A Family Agency Serving Southern Maryland Since the 1970s
A.F. Szabo Insurance Agency was founded in the 1970s by Helene Gummere's father, and today Helene and her husband David run it together as a husband-and-wife team. That is more than 50 years of writing insurance for Southern Maryland families and businesses, from the same office, without a corporate parent deciding which carrier you get.
As an independent insurance agent serving Calvert County, we compare quotes across multiple top-rated national and regional carriers rather than representing one company. When your rates move or your situation changes, we can move the policy. And when you call, you reach the people who wrote it.
Does Homeowners Insurance Cover Flooding on the Bay?
No, and that gap catches Calvert County homeowners more often than almost any other. Standard homeowners policies exclude flood damage, which means storm surge off the Chesapeake, tidal flooding along the Patuxent, and the runoff that follows a tropical system are not covered unless you carry a separate flood policy.
Calvert County sits on a narrow peninsula between the Chesapeake Bay and the Patuxent River, with steep bluffs on the Bay side and low-lying creeks throughout. Maryland's more than 3,000 miles of shoreline are exposed to
coastal storms, high tide flooding, and shoreline erosion, and county planners have flagged bluff erosion along the Bay as a growing concern. Home insurance in Calvert County should be written with that in mind.
Flood policies through the
National Flood Insurance Program cover up to $250,000 for a home's structure and $100,000 for contents, and there is typically a 30-day waiting period before a new policy takes effect. Waiting until a storm is named is too late.
Home, auto, umbrella, and business coverage handled under one agency
Home and Auto Coverage for Calvert County Families
Whether you are in a Chesapeake Beach bungalow, a Huntingtown subdivision, or a waterfront place in Solomons, we build
home insurance around your rebuilding cost, your belongings, and your liability exposure, then look at whether flood or umbrella coverage belongs on top.
Auto insurance in Prince Frederick and across the county comes down to the same thing: confirming your policy meets Maryland's minimum requirements, then deciding where higher limits are worth a small premium difference. Route 2 and Route 4 carry the whole county's commuter traffic, and uninsured motorist coverage matters on roads like those.
Home insurance with dwelling, contents, and liability coverage matched to your property
Flood policies written separately for Bay, river, and creek-adjacent homes
Auto insurance compared across multiple carriers, with bundling discounts when written together
Umbrella coverage for households whose liability exposure exceeds standard limits
One agency handling every renewal, with the same two people on the phone
Business Insurance for Calvert County Companies
Running a contracting business, a marina service, a restaurant, or a retail shop in Calvert County usually means three or four kinds of coverage. Handled separately, they leave gaps. As an independent agency, we build business insurance in Calvert County as one coordinated plan.
Step 1: Review your operations and contracts
We look at what you do, where you do it, how many people you employ, what vehicles you run, and what limits your contracts and permits require.
Step 2: Compare carriers on the whole package
Rather than pricing one policy at a time, we quote liability, property, commercial auto, and workers' compensation together across multiple carriers.
Step 3: Write it so the policies work together
Coverage gets structured so a single claim does not fall between two policies, and so certificates of insurance can be issued the same day you need one.
"They made finding the right coverage easy and stress-free. I always feel like more than just a policy number here!"
Maria G., Waldorf, MD
"A true neighborhood agency. When we had a claim, they were right there helping every step of the way."
Darnell T., Brandywine, MD
Is there an independent insurance agency near Prince Frederick, MD?
Yes. A.F. Szabo is an independent agency serving Prince Frederick and all of Calvert County from our Waldorf office, about 30 minutes west. Independent means we compare policies from multiple carriers instead of representing a single company. Most of what clients need gets handled by phone, email, or in person, whichever they prefer.
How do I choose a home insurance agent in Calvert County?
Ask whether the agent is independent or captive, since that determines how many carriers they can quote. Ask how they handle flood coverage, which is a separate policy and a real exposure across most of the county. And ask who answers the phone when you have a claim. Those three answers tell you most of what you need to know.
How do I get an auto insurance quote in Calvert County, Maryland?
Call 301-645-8545 or send a request through our contact form with your vehicle information, drivers, and current coverage. We compare quotes across multiple carriers and walk you through what changes between them. If you also own a home, we will price the bundle so you can see the combined savings.
Do you serve Chesapeake Beach and North Beach?
Yes. We write home, auto, umbrella, and business coverage throughout Calvert County, including Chesapeake Beach, North Beach, Dunkirk, Owings, Huntingtown, Prince Frederick, St. Leonard, Lusby, and Solomons. Bay-front and Bay-adjacent properties in the two beach towns often need flood coverage alongside a homeowners policy, and we handle both.
Calvert County Insurance Questions
Coverage Built for Life on the Chesapeake
Calvert County families and businesses deserve an agency that knows the difference between a policy written for the Bay and one written anywhere else. Let's compare your options and see what you are actually covered for.