Mon – Fri: 8:30am – 5:00pm (Evening By Appt.)
Sat: 9:00am – 12:00pm Sun: Closed

Home Insurance

‘Protect This House’

It’s not just the Baltimore Ravens motto, it is every homeowners concern.

If fire, water damage, theft or structural failure occurs, you can have the peace of mind to know that our local agency has you covered with the proper insurance to handle your loss, less any deductible on your policy.

Similarly, having your investment protected with liability insurance should someone get injured or fall in your home or on your property, covers you against lawsuits that could arise from these events.

There are certainly some instances or disasters for which you know you’d want to be covered. And a standard policy may cover them all, but many homeowners find that when some losses happen, they may be liable to pay out-of-pocket instead. That’s a rude awakening that we can help you avoid.

Homowners insurance is for anyone with a frame house, condo, townhouse, manufactured home, mobile home on land,  second home, rental home or a vacation property.


Home Insurance Considerations

Our local Harford County agents will review all the policy options (riders) that are available and prudent for you to add to your coverage. If any of these happen, you’ll be glad you received wise counsel, and aren’t shouldering a loss alone. They include:

  • Flood damage from surface water, or underground water (may require a special endorsement)
  • Wind damage, lightning and hail
  • Specialiability (standard liability may not be enough if your dog bites someone or causes them to become injured, so consider your pets carefully)
  • Sinkhole damage
  • Sewer or septic backups (may require a special endorsement)
  • Replacement cost for personal property (not just actual current value)
  • Umbrella liability insurance


When reviewing your lifestyle and your special circumstances, your agent add whatever riders that make sure you’re protected if you have a manufactured home, a swimming pool or trampoline on your property, valuable jewelry above your normal policy limits, or if you have pets that could harm someone (a dog that could bite a visitor–standard liability may not cover this).

Many of the above riders and endorsements are not expensive, and of course, when you combine home and auto (and other) policies together, you get more savings.

We are your neighbors and never want to see you suffer when a situation arises that could cause you loss. Our 5-star rated Harford County insurance team is here to make your decisions and your premiums easier to handle.


"Amanda was very friendly and helpful during a big step in our lives (buying our first rental property). She gave great advice and created a plan to cover all of our insurance needs, even when a few obstacles arose. All of our questions were answered promptly throughout the process, and my husband and I truly appreciate her service!"

Linda Chern Zvitkovitz

"Amanda has been beyond amazing! She helped me with home insurance last year, and helped again when I had to use the insurance just a few months after settlement! I have now switched my car insurance to Nationwide! I would recommend anyone to this office knowing they would get the absolute best customer service! Thank you, Amanda, for all you have done!"

—Ashley O'Connor

"AWonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"Amanda was simply amazing! We had a horrible experience with Allstate and she helped make the transition super smooth to Nationwide! Allstate messed up our cancellation date and Amanda handled everything, we didn’t even have to send her any paperwork, it’s nice to know you’re being taken care of especially when it comes to insurance!"

—Laura Hoffman

"Wonderful customer support at all times. Always ready to help at any time. Courteous, professional, knowledgeable. Immediate and supportive response when claims made."

—Meg Bates Jones

"The staff was very helpful, professional and supportive in seeing us through tree and structural damage resulting from a wind storm. Great staff."

—Ursula Cain-Jordan

"Been with Rick for many, many years, and have always been well taken care of, both for my business accounts, and personal. And without Lucy's help, I'm sure my head would have exploded by now."

—Andrew Merz

"I recently moved our home & auto insurance to Gentry & Assoc. I have worked with both Amanda and Courtney. They both have been a great help with the translation and are always quick to reply to my email requests. If you’re looking to shop your insurance, give them a shot!"

—Kim Maisel

"I was switching over from another insurance provider and they made it the easiest thing possible for me. Anything I had questions on they knew and if I had to send them information about anything I can shoot my agent with a quick picture of the information over a text! Friendly, and honest people."

—Donny Stimax

"Amanda , Has always been a very great!!! agent with Rick Gerety & Assoc. Inc . Thank you Amanda for working very hard to help me stay Insured & Communication and making sure I get the right information . I wish everybody with Nation Wide a happy holiday & Thank you for what y’all do for us."

—Michael Giles

"As a customer of Rick Gerety & Associates for many, many years, we could not be more pleased with the outstanding customer service and knowledge of the industry. Always available in a timely fashion to change/adjust policies as needed in our changing world. Highly recommend."

—Grace M. Manger