Frequently Asked Questions

 We provide both personal and commercial insurance solutions. Personal lines include auto insurance (including vintage and classic cars), renters insurance, flood insurance, vacant property coverage, motorcycles, boats, RVs, trailers, snowmobiles, pet insurance, and life & health. Business lines include general liability, business owner policies (BOP), commercial auto, workers’ compensation, commercial property, umbrella/excess liability, professional liability (E&O), EPLI, NPDO, cyber, bonds, drones, inland marine, and more.

Your auto insurance policy may cover damages to your vehicle, liability for bodily injury or property damage, and other optional coverages such as roadside assistance.

You can lower your insurance premium by increasing your deductible, bundling your policies, and taking advantage of available discounts.

 At this time, we are licensed in Maryland only.

Yes—we provide specialized coverage for vintage and classic vehicles, with agreed-value options to protect your investment.

We offer auto, vintage/classic car, renters, motorcycles, boats, RVs, trailers, snowmobiles, pet insurance, and individual life & health plans.

Yes. We offer comprehensive protection for businesses including general liability, BOP, commercial auto, workers’ compensation, property, cyber liability, professional liability (E&O), EPLI, NPDO, bonds, drones, inland marine, umbrella, and more.

Most quotes are ready within 24–48 business hours once we have the necessary information.

Absolutely. We issue COIs quickly for landlords, vendors, or contract requirements.

You can request a quote by phone, email, or in person at our office. We also offer video appointments for your convenience.

No. Submitting a form does not bind coverage. Insurance is effective only upon written confirmation from Continental Insurance Agency, Inc. and/or the carrier.

Yes—Hablamos Español. We proudly serve Maryland clients in both English and Spanish. 

You may contact our office directly for assistance, or file with your carrier. Our team will help guide you through the process.

Most carriers offer online payments, automatic bank drafts, or credit card options. Contact us for details. 

Start with our agency—we’ll coordinate with your carrier to resolve billing concerns.

Liability covers injuries and damage you cause to others in an accident. Full coverage includes liability plus protection for your own vehicle (collision and comprehensive), giving you broader protection.

Yes. Your landlord’s insurance covers the building, not your personal belongings or liability if someone gets hurt inside your rental. Renters insurance protects your property and provides important liability coverage.

The amount depends on your family’s financial situation, debts, and future goals. A common guideline is 10–15 times your annual income, but our agents can help design a plan that’s right for you.

General liability covers accidents like slip-and-fall incidents or property damage. Professional liability (E&O) covers mistakes, negligence, or errors in the services you provide—important for consultants and service providers.

An umbrella policy provides extra liability protection above your existing auto, renters, or business insurance. It’s a cost-effective way to get added peace of mind if you’re ever involved in a large claim or lawsuit.

No. Standard property insurance does not cover flood damage. A separate flood insurance policy is needed for that protection.