At Bogart & Brownell Insurance, Inc., we understand that a cookie cutter policy will not be able to provide you with the protection you deserve. Our dedicated team of professionals will customize your portfolio based on your unique needs to ensure that you are adequately protected.

We offer a wide range of personal insurance policies and will help you develop an insurance package that protects the most important areas of your life.

Bogart & Brownell Insurance, Inc. specializes in personal property/casualty insurance portfolios, including but not limited to:

Homeowners Insurance

Your home is likely the most important asset and investment you will ever have, emphasizing the importance of insuring your abode to the fullest. At Bogart & Brownell Insurance, Inc., we take pride in offering broad, comprehensive coverage options that can best protect your home.

We understand that insuring your home takes much more than protecting just the structure. We will help you choose a policy that safeguards your home indefinitely, providing you with personal property and liability coverage as well. We will also guide you through the process of determining which additional coverages would provide you with optimal protection, including but not limited to earthquake insurance, umbrella insurance for excess liability, endorsements for valuables, and flood insurance.

Automobile Insurance

Automobile insurance acts as a safeguard against financial loss if your car is damaged or stolen, or you are involved in an accident. Coverage also extends to providing you with protection if you cause injuries or damage to someone else or their property.


Available Automobile Insurance Coverages:

Property Damage Liability

Bodily Injury Liability



Uninsured/Underinsured Motorist

Rental Reimbursement

Medical Payments

Auto insurance premiums are calculated based on a variety of factors, including but not restricted to years of driving experience, insured’s age, driving history, and the make and model of the insured vehicle. Each state has a unique set of requirements for the minimum amount of auto insurance one must hold in order to legally cruise the open roads, but it is recommended that you choose a level of coverage that best suits your needs. Additional coverage is the best way to further protect your assets.

Scheduled Valuable Article Insurance

While the standard homeowners insurance policy will provide you with coverage for your personal belongings, the limited amount of coverage will likely not extend to your valuables. If you have any rare, irreplaceable items, such as fine art, collectibles, antiques, family heirlooms, or jewels, it may be advantageous for you to opt for scheduled valuable article insurance.

This extra personal property coverage will provide your most valuable possessions with optimal protection in the event of loss caused by theft, natural disasters, or accidents. A professional appraisal is required in order to receive this coverage since your goods will be replaced to you at replacement cost value should a loss occur.

Excess Liability (Umbrella) Insurance

In today’s litigious and volatile society, it is important that you safeguard your assets from all of the possible personal liability threats. As lawsuits continue to grow in popularity and judgments increase, it becomes more important that you seek protection under an umbrella policy.

Excess liability insurance provides you with extra coverage when your personal insurance policies become exhausted. This critical risk management tool is relatively inexpensive, and allows you to anticipate before unforeseen events and accidents occur. The financial value of an excess liability insurance policy only comes second to priceless peace of mind.

Motorcycle, Boat and Recreational Vehicle Insurance

Despite common neglect, your favorite rides need insurance protection too! Many individuals fail to insure their motorcycles, boats, and recreational vehicles to the fullest simply because they assume it is unnecessary.

Rather than leaving your favorite rides vulnerable to harm, you must obtain an exclusive insurance policy that provides your recreational vehicles, boat, or motorcycle with optimized security. We will help you determine the appropriate amount of coverage so that you can cruise on your most enjoyable rides with nothing but confidence on your mind and wind through your hair.

Secondary, Vacation and Rental Property Insurance

If you rent out your second property or vacation home when it is not in use, you must obtain an exclusive rental property insurance policy to safeguard your investment. Many individuals assume adequate coverage under their homeowner’s insurance policy, leaving their prized property vulnerable to litigious harm. The act of sharing your property leaves you with unique responsibilities.

To ensure that your safe haven is protected from outside threats, it is important that you seek the coverage your rental property deserves. By assessing your unique needs, we can help you protect your favorite property to the fullest.

Flood Insurance

Since the standard homeowners insurance policy excludes coverage for flood damage, every homeowner can benefit from the peace of mind flood insurance provides. Whenever your home experiences water damage from outside sources, your homeowners insurance coverage ceases.

Premium amounts for flood insurance policies are calculated based on your property’s location and proximity to flood exposure zones. Once purchased, these policies do not go into effect until after thirty days, meaning you must be proactive in obtaining this vital safeguard.

Specialty Automobile

While you may be inclined to assume that your classic car is receiving adequate coverage under your standard automobile insurance policy, the unique nature of your favorite ride calls for an exclusive specialty automobile insurance policy.

There are unique insurance requirements surrounding aged autos, as you will need to insure your specialty auto based on your use of the vehicle and its increasing value. Whether you have a classic or antique car, we will help you insure your favorite ride to the fullest.

Domestic Employees Workers Compensation Insurance

In most states, including Maryland, it is required by law that you hold workers compensation if you have any residential employees. A residential employee is defined as any domestic help, cooks, gardeners, nannies, personal assistants, drivers, etc.

Life Insurance

The uncertain future calls for protection from the inevitable. Whether you are in need of term life insurance, whole life insurance, or universal life insurance, the experienced professionals at Bogart & Brownell will go above and beyond to provide you with unmatched security for the future.

Life insurance policies must be customized to meet the unique needs of the insured and their loved ones. Our years of experience and industry knowledge allow us to effectively direct you in choosing the right policy and appropriate amount of coverage for optimized protection for the future.

Disability Insurance

Accidents are inevitable and unfortunately, some can be more severe than others. In the event that you are involved in an accident that leaves you unable to perform your job, a disability insurance policy would provide you with the financial support necessary to recover from this tragedy.

General Info

Working hours

  • Monday – Friday: 8:00 am to 4:30 pm
  • Saturday & Sunday: Closed

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