Insurance Products
We take pride in our consultative approach; at Kirby Insurance Agency, Inc. we take the time to understand your changing insurance needs, and will put a personal insurance or business insurance program in place that will deliver economy, superior protection, and risk management assistance.
Personal Insurance Products (Auto and Home Insurance)
- Personal Package
Package Car, Home, and Other Personal Insurance for Discounts
One policy means billing and service convenience...and better protection!
One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other insurance coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.
Blanket coverage limits and combined deductibles mean offer more flexibility in covering your property and protecting your personal assets from lawsuits.
Independent Choice:
Only a few insurance companies offer personal package insurance policies. Kirby Insurance is an independent insurance agents - we represent a number of companies, and we choose the companies we represent based on consistently competitive pricing, innovative insurance protection, financial strength. The freedom of independence allows us to offer you the choice of packaged car and home insurance from more than one company.
Call or contact us today to schedule a consultation and proposal or complete our secure, personal insurance needs analysis form to get started.
Auto and Home Package Insurance Resources:
- Tips for managing home insurance costs
- Tips for managing car insurance costs
- Evacuation: The 10 Minute Challenge (video)
- Tips for fire prevention (video)
- Homeowner Insurance
Home Insurance Quotes and Resources
16 top rated insurance companies to choose from!
Homeowner insurance policies do a lot more than reimburse of damage to or the loss of your house. There are actually five coverage parts, including the extremely important home contents and liability coverages. And countless other insurance options can be added, or endorsed, to a standard policy for things like home business pursuits, replacement cost valuation, special schedules for jewelry or fine arts...the list goes on.
Home insurance policies customized for your needs and budget
Kirby Insurance knows the ins and outs of getting you the right coverage for your home and family - and how to maximize discounts so that your superior home insurance protection is budget friendly. Our agents average over nine years experience; and Kirby Insurance also has the advantage of choosing from one of 16 different insurance companies. That combination of experience and flexibility are the secret to getting a great price without sacrificing vital insurance protection.
Let us help you with your individual and family insurance needs by providing better protection, savings, and service. You deserve it.
Call or contact us for a consultation or complete our secure, online quote form to get started today!
Home Insurance Resources:
- Personal Auto Insurance
Car Insurance Quotes and Answers to Your Questions
Since 1934, Kirby Insurance has helped over 18,000 customers with their automobile insurance.
Auto insurance, even though it is required by the state, and by banks and finance companies, is really meant to protect you. Car insurance covers you should your vehicle be damaged or stolen, but just as important, car insurance includes liability insurance - in case property damage or injury to others is caused by your other household negligence. There are several other important policy elements and circumstances where your insurance policy may need to be "endorsed" with special coverage for situations like installation of custom audio equipment, business use of your auto or guest drivers.
Put our experience to work for you; let us help you decide the right kind of insurance protection for your car, SUV, truck, or min-van. Call or contact us; or complete our secure online quote request form to get started today!
Car Insurance Resources:
- Boat Insurance
Get a Boat Insurance Quote, Learn About Boating Safety
Serving the complete insurance needs of over 7,000 of your neighbors
Boat. That one word can mean a lot of things: inboard, outboard, sailboat, jet ski...and what about big boats? At what point do they become yachts? Obviously there are a lot of different kinds of boats...and no one insurance policy will be right for every kind of boat.
Boat use comes in almost as many varieties, and insurance for your watercraft should take into account how you use it, and what kind of equipment goes along with that use. For instance, equipment and boating insurance modifications are quite different when your boat is used for water skiing vs. inland waterway fishing vs. offshore fishing.
Insurance choice starts with the insurance company
Not all insurance companies insure boats, and not every insurance company provides the same boat insurance options. That's why Kirby Insurance, as in independent insurance agent, represents over 15 top rated insurance companies. That allows us the flexibility of matching your unique boating insurance needs with the company with the right options - so we can get you the best insurance protection at the best price.
In some cases, particularly for smaller or sail powered boats, making a few modifications to your homeowner or condo owner insurance policy may provide you all the coverage you need - at a substantial discount.
Get a quote today or call or contact us for a consultation about the right insurance kind of boat insurance for you.
Boat Insurance Resources:
- Condo Insurance
Condo Insurance quotes and resources
Over 15 top rated insurance companies to choose from!
Your condo is your home, and that's why condo owner's insurance is so similar to home insurance. Condominium insurance policies do more than reimburse you for loss or damage to your possessions. Condo insurance policies also provide liability insurance protection and insurance for improvements you may make to your condo. And countless other insurance coverages can be added, or endorsed, to a standard condominium owner's policy for things like home business pursuits, replacement cost valuation, special schedules for jewelry or fine arts...the list goes on.
A condo insurance policy customized for your home and budget
Kirby Insurance knows the ins and outs of getting you the right coverage for your condo and family and we know how to maximize discounts so that your superior condominium insurance protection is budget friendly. Our agents average over nine years experience and Kirby Insurance also has the advantage of choosing from one of 16 different insurance companies. That combination of experience and flexibility are the secret to getting a great price without sacrificing vital insurance protection.
Let us help you with your individual and family insurance needs by providing better protection, savings, and service. You deserve it.
Call or contact us for a consultation or complete our secure, online quote form to get started today!
Condo Insurance Resources:
- Home Business
Home Business Insurance Options and Quotes for Baltimore, Annapolis, Westminster Residents
Over 50% of home businesses are exposed to lawsuits without insurance protection
Websites, VOIP phone service, and mobile technology allow your home business to seem much bigger than it may be. But even though your business isn't really big business, it can be exposed to losses just like larger businesses, like product liability or lawsuits from business visitors who may simply trip over a child's toy or a piece of furniture.
Sometimes your home insurance policy can cover your home business pursuits
Homeowner insurance policies can be customized (endorsed) to include insurance for business property as well as liability, but there are limitations. Many of our customers work at home part time, commuting to their offices in Baltimore, Westminster, or Annapolis, the rest of the time. Often, these incidental office exposures can be adequately covered by a homeowner insurance endorsement.
But as your home office grows to include expensive business equipment, hard to replace business records, and product inventory, a stand alone home business insurance policy may be necessary. Some home businesses we insurance even out grow these policies, in which case a Business Owners Policy (BOP) would be the next step in insurance coverage.
Don't be confused about whether you are protected, or what kind of insurance policy you need for your home business. Just call or contact us, or fill out our quick, secure, online quote request form and the experienced home insurance specialists at Kirby Insurance will help you sort through your options.
Home Business Resources:
- Personal Umbrella
Liability Insurance of $1 Million or More - Learn Why You Should Consider It
Premium protection for only a few hundred dollars a year.
You probably already have liability insurance; for instance, car insurance, homeowner policies and boat insurance all include liability insurance coverage. But these liability limits are specific to the policy type: auto insurance liability is specific to damage or injury you or other covered drivers may cause in the course of motor vehicle operation, for example.
Umbrella insurance "sits" over the top of other policies, providing an excess layer of insurance protection. And umbrella insurance, in some instances, also reaches down into the gaps between different policy types to provide liability insurance protection where none might otherwise exist.
Deductibles for umbrella insurance is higher than for other policies - for instance, the deductible amount for auto related lawsuits and claims might be $300,000. The reason is that the insurance companies that underwrite umbrella coverage expect your car insurance policy to pick up claims up to that amount.
Who needs umbrella insurance?
The easy answer is everyone. It isn't so much a matter of your income or your assets, but rather the fickle judgements that juries might arrive at in the event of a lawsuit. As any lawyer will tell you, anything can happen once a legal dispute ends up before a jury, so the peace of mind a one or two million dollar umbrella policy will provide is well worth the small premium. Consider lawsuits that could easily skyrocket into the high six figures:
- A neighbor's child becomes injured while playing in your yard and suffers some permanent disability
- A restaurant owner claims that your unfair online reviews and Facebook comments about his food and service cost him customers, put him out of business, and caused him to lose his house
- While pulling up to an intersection, your teenage son admires the Maserati in the lane next to him; his inattention causes his vehicle to bump into the Lamborghini in front of him. The $280,000 sports car is pushed into the intersection where it is broadsided by another car, totaling the Lamborghini and seriously injuring the driver
You can have millions of dollars of protection to prevent situations like these from causing financial ruin - the annual premium is usually just a few hundred dollars. Call or contact us for a consultation today. Or complete our secure, online request form to get started.
Personal Umbrella Insurance Resources:
- Pet Insurance
Pet insurance provides financial benefits similar to human health insurance...even though insurance for our cats and dogs isn't the first thing we think about when our pets come to mind. Dogs live an average of 11 years, longer for small breeds and the average annual cost of dog ownership typically ranges from $700 to $3,000 a year.
Cats live even longer, averaging 12 to 14 years, and the total cost of cat ownership, over the lifetime of your pet ranges from $4,500 to $18,000, Veterinary wellness care, special diets, medication, like spaying and neutering, let alone emergency surgical surgical procedures, make up 30% to 50% of these costs.
Pet health insurance can take the financial uncertainty out pet ownership, Get a quick, no obligation quote today!
- Renters Insurance
Renter's Insurance Quotes and Resources
Not just one insurance company, but over 15 top carriers to choose from!
Your apartment is your home, even though you don't have to concern yourself with maintenance or insurance on your residence structure; your primary concern are your possessions inside your apartment. But renter's insurance policies do more than reimburse you for loss or damage to your possessions. Renter insurance policies also provide important liability insurance protection and can include insurance for improvements you may make to your apartment. And countless other insurance coverages can be added, or endorsed, to a standard policy for things like home business pursuits, replacement cost valuation for your property, special schedules for jewelry or fine arts...the list goes on.
A renter's insurance policy customized for your home and budget
Kirby Insurance knows the ins and outs of getting the right renters insurance coverage for you and your family and we know how to maximize discounts so that your superior renter's insurance protection is budget friendly. Our agents average over nine years experience and Kirby Insurance also has the advantage of choosing from one of 16 different insurance companies. That combination of experience and flexibility are the secret to getting a great price without sacrificing vital insurance protection.
Let us help you with your individual and family insurance needs by providing better protection, savings, and service. You deserve it.
Call or contact us for a consultation or complete our secure, online quote form to get started today!
Renter's Insurance Resources:
- Scheduled Personal Property
Scheduled Personal Property Insurance for Fine Arts, Jewelry, Furs, Collectible and More
Only 16% of consumers schedule valuable property for insurance purposes
Scheduling personal property provides several advantages above and beyond the insurance protection afforded in a standard homeowner policy. But before highlighting a few of those benefits, it's important to consider who scheduled personal property insurance is for. Even though fewer than 20% of consumers take advantage of scheduling valuable personal property such as jewelry, fine arts, guns, musical instruments or collectibles, almost all of us have some kind of valuable property that really should be scheduled.
Replacement value is established before a claim
It's easy to determine a replacement value for a refrigerator or couch, but not so easy to place a dollar value on that figurine that was handed down from your grandmother. At claim time, that can be a real problem that most likely won't be solved to your satisfaction. Scheduling important property avoids valuation issues at claim time.
More types of loss are covered when you schedule valuable items
Schedule property enjoys some of the broadest insurance coverage available, including "mysterious disappearance". If a ring or necklace suddenly turns up missing, and you can't positively identify the cause of the loss, the jewelry item would be replaced or you would be reimbursed...if you had scheduled the item.
Limitations on claim payments for valuable property are removed for schedule property insurance
Most standard homeowner policies include internal limits for claim payment on individual items like $1,000 for theft of jewelry. Scheduling your valuable property means these limitations do not apply.
How to get property on an insurance schedule
In most cases, scheduled property insurance is "endorsed" onto your homeowner policy. All you need is a recent receipt or a qualified appraisal. The extra insurance premium is small; premiums for valuable property insurance will vary depending on the type of property and the total value insured, but for a rule of thumb, costs are generally in the $1 to $2 range for every $100 of insurance coverage.
Call or contact us for a consultation or complete our secure, online quote form to get started today!
Valuable and Schedule Property Insurance Resources:
- Home inventory tips
- What is Scheduled Property Insurance:
Individual Health & Financial Products
- Life Insurance (Individual)
Life Insurance Quotes, Resources and Options for Residents of Baltimore, Annapolis, Westminster, Columbia, and Bel Air.
Up to 40% of the people that die each year do not have any life insurance
Some estimates put the number of people who have inadequate life insurance protection at 50 million - even though life insurance is an essential element in any financial program and usually very inexpensive. Life insurance policies are purchased for a variety of reasons and fulfill a wide range of purposes. Life insurance proceeds can be used to:
- Provide for future education expenses
- Pay off a mortgage or other consumer debt
- Set up an annuity to provide future income for a surviving spouse.
- Cover funeral expenses
Common life insurance mistakes
A quick needs review with one of Kirby Insurance's experienced agents can help you avoid these mistakes:
- Not having enough life insurance. This happens because people often employ the seven-times income rule of thumb when determining life insurance limits. But life insurance needs are very different for a single male, nearing retirement, with a paid-for house, than it would be for a young, married man with 3 young children - even though their incomes might be identical.
- Assuming all life insurance is priced the same. In fact, there are dramatic differences between life insurance policies - that's why we represent several top rated insurance companies.
- Not including non-monetary compensation when calculating life insurance needs. For instance, if your spouse does not work, but is the primary care provider for your children, his "income" from child care will have to be provided for in the event of his passing.
Let us save you time and worry by helping you sort through your life insurance needs. Call or contact us for a consultation or complete our secure, online quote form to get started today!
Life Insurance Resources:
