Personal Insurance in Annapolis & Beyond

Protection Designed for Your Life

Personal insurance gives Maryland families confidence through life’s everyday uncertainties, from protecting a home to safeguarding loved ones on the road. Our independent Annapolis agency helps clients across Edgewater, Severna Park, Glen Burnie & Beyond find clear, dependable coverage tailored to their needs. We compare policies from multiple carriers to help you secure the right protection for your home, car, income, and future. With guidance that’s friendly, local, and straightforward, we make it easy to choose coverage with confidence.

Comprehensive Solutions for Every Need

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Your home is your most important asset — our homeowners policies protect your property and belongings from Maryland’s everyday risks. Get coverage designed to keep your home and peace of mind secure.

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Affordable auto insurance in Annapolis shouldn’t be complicated. We help you compare leading carriers so you get reliable protection on every mile.

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Renters need more than a landlord’s policy — we protect what makes your space feel like home. Coverage includes belongings, liability, and added peace of mind.

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Condo owners face unique coverage gaps that master policies don’t address. We help you protect your unit, upgrades, and valuables with clarity and confidence.

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For extra protection beyond your home and auto limits, umbrella insurance offers valuable peace of mind. It’s an affordable way to add higher liability coverage for life’s unexpected events.

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Maryland weather brings real flood risks — even in areas not mapped as high-risk zones. We help homeowners understand their exposure and secure essential protection through trusted carriers.

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Whether you're exploring Maryland’s parks or traveling cross-country, RV insurance protects both your vehicle and your adventures. We offer flexible coverage options for motorhomes, campers, and travel trailers.

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Collector and classic vehicles need more than standard auto coverage — they need protection designed for their true value. We help enthusiasts secure policies that respect mileage limits, restoration details, and vehicle condition.

How It Works

Choosing the right personal insurance starts with clarity — understanding what you need and where you can save. Our team walks you through your options, compares carriers, and explains coverage in plain language. Below is a simple overview of how bundling works and when it may benefit your family.

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Evaluate Your Needs

We review your home, vehicle, lifestyle, and financial goals to identify the right coverage.

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Compare Carriers

As an independent agency, we shop multiple companies to find strong protection and pricing.

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Explore Bundle Options

Clients often save by combining home and auto or adding umbrella insurance — we’ll show you your best-value combinations.

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Finalize Plan

You choose the coverage that makes the most sense for your situation, with support every step of the way.

Your Personal Insurance Questions Answered

  • Can I bundle my home and auto insurance for savings?

    Yes — many Annapolis clients save by bundling home and auto, and even more with an umbrella policy. Bundles often provide stronger protection at a better value. We’ll compare options across multiple carriers for you.

  • What personal insurance policies does Simpson & Blom offer?

    We provide home, auto, renters, condo, umbrella, RV, classic car, and life insurance. Each policy is customized to support Maryland families and their unique needs.

  • Why choose an independent agent for personal insurance?

    As an independent agency, we work for you — not one insurance company. That means we can compare multiple carriers to find the right fit for your budget and coverage goals.

  • Do I need renters insurance if my apartment complex has a policy?

    Yes — your landlord’s policy does not cover your belongings or liability. Renters insurance protects your personal items and provides essential coverage if accidents happen.

  • What factors affect my auto insurance rate?

    Driving history, vehicle type, location, coverage limits, and discounts (like bundling) all influence your premium. We help you understand each factor so you can make informed decisions.