St. Mary's County Insurance, Compared Across Carriers
Serving Lexington Park, Leonardtown, and California
We are a family-run independent agency serving St. Mary's County, comparing home, auto, and business coverage across multiple carriers so Pax River families and contractors are not limited to whatever a single local office happens to sell.
Fifty Years of Southern Maryland Roots
A.F. Szabo Insurance Agency started in the 1970s, founded by Helene Gummere's father and run today by Helene and her husband David. More than 50 years later, we are still a family agency writing insurance for Southern Maryland families and businesses, which is a different experience from being routed to whoever picks up at a call center.
Being an independent insurance agent in Southern Maryland means we are not tied to one company's rate table. We compare multiple top-rated national and regional carriers, and if a carrier's pricing moves in a direction that no longer works for you, we move the policy. Clients across St. Mary's County work with the same two people year after year.
Home Insurance for Lexington Park and Leonardtown
St. Mary's County is surrounded on three sides by water, with the Patuxent River to the north, the Potomac to the west, and the Chesapeake Bay to the south. That shapes what home insurance in Lexington Park, Leonardtown, California, and Great Mills actually needs to cover, starting with the fact that standard homeowners policies exclude flood damage entirely.
We write home insurance around your rebuilding cost rather than your purchase price, then look at whether flood and umbrella coverage belong on top given where you live. For waterfront and creek-adjacent properties, that conversation happens before we quote, not after a claim.
Flood coverage is written as a separate policy through the
National Flood Insurance Program or a private carrier, with a typical 30-day waiting period before it takes effect.
Home, auto, umbrella, and business coverage handled under one agency
Auto Insurance for Leonardtown and the Route 235 Commute
Route 235 into Lexington Park and Route 5 up through Charlotte Hall carry most of the county's daily traffic, including the commute in and out of the naval air station. We compare
auto insurance quotes across multiple carriers for St. Mary's County drivers, confirm your policy meets Maryland's requirements, and flag where higher liability and uninsured motorist limits are worth the small premium difference.
Auto insurance compared across multiple carriers rather than quoted from one
Coverage confirmed against Maryland's minimum liability and uninsured motorist requirements
Home and auto bundled for a multi-policy discount when written together
Teen drivers, multi-vehicle households, and newly relocated families handled directly
Business Insurance for Pax River Area Contractors
Naval Air Station Patuxent River anchors the county's economy, and the businesses built around it, from defense contractors and engineering firms to the trades that service the base and the housing around it, tend to carry contract-driven insurance requirements. Certificates of insurance, specific liability limits, and additional insured endorsements are routine asks, not exceptions.
We write
business insurance for St. Mary's County companies as one coordinated plan:
general liability,
commercial auto for work vehicles and fleets,
workers' compensation once you have employees, and property coverage for equipment and tools. Because we compare multiple carriers, we can usually place coverage that meets a contract's requirements without over-buying elsewhere.
"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 insurance agent near Lexington Park, MD?
Yes. A.F. Szabo serves Lexington Park and all of St. Mary's County as an independent agency, working with clients by phone, email, and in person. Independent means we compare policies across multiple carriers instead of selling one company's products. Most policy changes, quotes, and certificates get handled the same day.
How do I find the right auto insurance in Leonardtown, Maryland?
Start by getting more than one quote, since carriers weigh driving records, vehicle types, and ZIP codes differently. Make sure the quotes you are comparing carry identical limits and deductibles, or the cheapest one may just be the thinnest. We compare across carriers and show you what actually changes between the options.
How do I get a home insurance quote in St. Mary's County?
Call 301-645-8545 or use our contact form with your address, approximate square footage, roof age, and current coverage if you have it. We compare quotes across multiple carriers and tell you whether flood coverage is worth adding for your location. Quotes generally come back within a day or two.
Do you work with families and contractors near Pax River?
Yes. We write personal and commercial coverage for households and businesses throughout the Patuxent River area, including Lexington Park, California, Great Mills, and Leonardtown. For contractors working on or around the base, we handle the certificates of insurance and liability limits their contracts require.
St. Mary's County Insurance Questions
Coverage That Keeps Up With St. Mary's County Life
One agency for your home, your vehicles, and your business, with the same people handling all of it. Let's compare your options and find out what you are paying for.