Owning a home can be the biggest investment of your life.

At HMS we know how important your home is to you, and we know that you want the best protection at an affordable price. Our experienced professionals will work with you to design a homeowner’s policy that protects you, your home, and your valuables.

We also offer condominium and renters insurance, vacation home coverage and flood insurance. Our biggest asset is our service. Our clients are like family to us. Whether you are in Baltimore, Washington DC, or anywhere in the Mid-Atlantic and beyond, we are there when you need us most.

Insurance Protection Available:

  • Dwellings/Condo/Renters
  • Personal Property/Contents
  • Water Back Up
  • Identity Theft
  • Short Term Rental – AirBnB and VRBO
  • Builders Risk
  • Equipment Breakdown
  • Service Line Coverage
  • Personal Liability
  • Umbrella

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    Our Customers Say

    It’s a matter of trust.

    Every time I’ve had to contact HMS for any reason, I’ve always received excellent customer service.  I don’t ever plan to change insurance companies.  HMS is by far the best insurance company that I’ve every had the pleasure to do business with. Very professional group of people!  Thanks for a job very well done!

    Personal Insurance Client

    The results-oriented philosophy has been evident since the start of our relationship.   They have been creative in resolving complicated circumstances in order to gain the surety’s support of special projects and our overall business plan.  Whether it’s financial advice, planning or recommendations with surety-related language in contracts and bond forms.  HMS has consistently proven itself to be an asset to our business.

    Surety Bond Client

    I just wanted to share how grateful I am for all the help & support I get from my HMS team.  They are always helpful, informative & offer a greal deal of support to my team.  They are super responsive & always willing to go out of their way for any issues that arise, and we had quite a bit during Covid.  It was nice to be able to count on them for help & support.”

    Business Insurance Client

    Questions? We have answers.

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