Commitment to Value

 We founded Heber Insurance to be your one stop insurance agency. We have a strong desire to help you with all of your insurance needs. Our goal is to make acquiring insurance as simple as possible for you to enjoy the money saving benefits of an Independent Insurance Agent. We don't work for any one insurance company; rather, we work to find you the best insurance to fit your specific needs and desires!

If you are not sure or have questions, feel free to call, mail, fax or email us with your current insurance policy information and questions. 



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Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours.

Heber Insurance Agency LLC

1010 Rockville Pike, Suite#205, Rockville, MD 20852, US

Call: (301) 947-3700
E-mail: agent@heberinsurance.com

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Auto

You drive safe, others may not !

 Heber Insurance's Personal Insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.

How we serve you is as important as what we provide. First, we listen to you... we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.

Car, Truck, Camper & Trailer

 This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.

The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

Personal Umbrella

 You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.

Home

Home, the single most important protection!

 If you have tangible assets, you need the protection of a homeowner's policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. 

Condo

 Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too.
For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage. 

Renters

 As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics. 

Flood

 Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.
FEMA's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.

LIFE AND HEALTH

Life insurance can be very confusing!

 What is term life insurance? What is whole life insurance? How can you get the information you need and make the right decision about life insurance for you and your family or other beneficiaries? We’ll provide an overview of these two popular types of life insurance so you can get an idea of what might be a good fit for you.  

Differences Between Whole Life and Term Life

 

Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too. 

 For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage. 

 Deciding whether to purchase whole life or term life insurance is a personal decision that should be based on the financial needs of your beneficiaries as well as your financial goals. Life insurance can be a very flexible and powerful financial vehicle that can meet multiple financial objectives, from providing financial security to building financial assets and leaving a legacy.

Here are some of the main features of term and whole life insurance 

Features of term life insurance

  • Provides death benefits only
  • Pays benefits only if you die while the term of the policy is in effect
  • Easiest and most affordable life insurance to buy
  • Purchased for a specific time period, such as 5, 10, 15, or 30 years, known as a “term”
  • Becomes more expensive as you age, especially after age 50
  • The term must be renewed if you want coverage to be extended beyond the term length
  • Can be used as temporary additional coverage with a permanent life insurance policy
  • Can be converted to whole life insurance

How to Buy Health Insurance for Individuals and Families

 If you are self-employed or you are not obtaining healthcare coverage through your employer, you need at least a basic health insurance plan to ensure that you are prepared for an unforeseen health condition or injury.A full-coverage health insurance plan may be more suitable for your needs if you have dependents, you are getting ready to start a family, or you have a family history of certain health risks. You should ensure that your healthcare plan helps you to pay for the broader set of services you need. 

Healthcare Costs, Co-pays and Coinsurance

 

Your healthcare costs are an important factor to consider when you want to buy health insurance, and you have a number of options for managing those costs. You can choose to pay a higher deductible to lower your regular premiums, which means you need to pay that deductible amount for doctor’s visits and medical bills before your health insurance kicks in. Alternatively you can pay a higher premium in order to avoid a high out-of-pocket cost in the event of a serious illness.

Co-pays and coinsurance are two methods health insurance companies use to share the cost of healthcare. Co-pays are a small amount you pay for every doctor’s visit, whereas coinsurance is an amount you pay in the event you need additional care. Be sure to fully understand any coinsurance payments your health insurance plan requires. In the event of a serious illness or injury, these costs can become very high.

Heber Insurance can help you compare medical insurance quotes and find the right healthcare plan to match your current and anticipated needs.

Business

Commercial Auto

 A commercial automobile insurance policy is required under most circumstances when the vehicle is used for business purposes and meets certain other requirements. It is not just the registration that determines the requirement for a business automobile insurance policy. Other requirements are ownership by a corporation, use in hauling goods for hire, and gross vehicle weight of the vehicle. Some small trucks can be owned and insured under a personal automobile insurance policy under specific circumstances.

Commercial automobile insurance policies are not regulated in pricing, as are private passenger policies. There is price competition between insurance companies for good commercial automobile insurance.

Business Owners Package (BOP)

 

Business Owners Package policy, commonly called a "BOP" contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers compensation, professional liability, or business vehicle coverage.

Property / Liability

 The general or public liability policy provides protection for claims of liability that are made by third parties. The policy provides defense protection even if the allegations are groundless. In addition the policy will pay any judgment up to the policy limit of coverage. 

Workers Compensation

 Workers Compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense

Commercial Umbrella

 Most package policies provide a liability insurance limit of $1 million for any one loss and $2 million in any one year. For many businesses, this limit is inadequate for real economic security. As a result, additional layers of protection in million-dollar increments are readily available in today's insurance market for most businesses. 

surety bond

What is a surety bond?

 A surety bond is a three-sided contractual agreement guaranteeing that a business or individual will fulfill their obligations under a contract and in accordance with business regulations.
The three parties involved in the surety bond agreement are the obligee (the party requesting a surety bond), the principal (the party obtaining the bond) and the surety (the surety company backing the surety bond financially). 

How Surety Bonds Work

 Surety bonds guarantee to the obligee that if the principal should fail to perform according to contract or regulations, the surety will step in and cover for damages and losses that the obligee may sustain. In turn, the surety has to be indemnified by the principal for the backing it has extended. In this way, surety bonding functions like a line of credit to the principal. 

Surety Bond Claims

Since claims on a bond are undesirable for everyone involved, it is advisable to avoid surety bond claims at all costs. However, as an active party to the surety bond agreement, surety bond companies usually extend their support and expertise to principals and help them avoid potentially dangerous situations.

What Does a Bond Cost?

 This is our most common question and unfortunately its the one with the least straight forward answer. Though a commercial bond annual premium tends to fall between 1% and 14% of the bond size, this is a larger range and there can be exceptions. 

Surety Bonds vs Insurance

 Surety bonds and insurance are two completely different terms. Simply put, an insurance protects your business and surety bonds protect the public. If you want to get Bonded and Insured, the insurance aspect could refer toFidelity Bonds, which protect your business from employee dishonesty 

Auto Dealer Bonds

 Required by the state
Also known as the DMV Bond
Bond amount varies per state 

Insurance claims

The Claim Process

 

  1. Report your loss immediately to Heber Insurance or to your insurance company's 24/7 claim telephone number.
  2. If property is damaged, take photos of the damage and make any temporary repairs necessary in order to prevent further damage until you are contacted by a company adjuster. Make records of damaged property and repair expenses.
  3. If you are in an automobile accident, make complete notes of the date, time & place along with the other car's driver information and witnesses. If the other party is at fault, be sure to contact the police and make an accident report. In any claim, no repairs, except for temporary repairs should be made without your insurance company's authorization. Your insurance company (The Hartford, Progressive, etc.) may send you a claim form, known as a "loss notice form" to complete or an adjuster may visit your home or business first, before you're asked to fill out any forms.An adjuster is a person professionally trained to assess the damage. In either case, the more information you have about your damaged possessions - a description of the item, the date of purchase and what it would cost to replace or repair - the faster your claim generally can be settled.