Personal Insurance 2018-06-15T21:57:35+00:00

Personal Insurance

Personal insurance includes auto, home, condo, renters, umbrella, RV & more. Call 410-544-4300!

You don’t need an insurance policy. You need a personal insurance agent.

Why? An agent will take the time to learn your personal needs and identify risks. We want to make sure that your insurance actually helps protect you. The Bye Insurance Agency in Severna Park, Maryland is an independent insurance agency dedicated to finding you the comprehensive insurance coverage you need.

Whether you need to protect your car and home, want insurance for the possessions in your apartment, or need a general umbrella policy for peace of mind, our agents will provide you with outstanding service and the policies you need. We pride ourselves on finding affordable personal insurance policies that help protect your most important assets. We want to ensure that your insurance policies provide protection for your biggest concerns.

If you don’t have personal insurance, or feel that you aren’t getting the protection you deserve, contact the Bye Insurance Agency or give us a call at 410-544-4300. Our goal is to help protect our clients against all of life’s unexpected twists and turns.

Auto Insurance

All motor vehicles that are registered must be insured by a company licensed in the state.

The person who was at fault for an accident is liable to pay for damages or injuries caused by the accident. This is called a “fault system” and every driver is required to carry auto liability insurance in the following amounts:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury for two or more people
  • $15,000 for property damage.

Anyone who registers a car must sign an insurance certification acknowledging that the minimum vehicle liability insurance will be maintained and the vehicle will not be driven without insurance. If you are caught driving without the proper insurance, you could:

  • Lose registration privileges
  • Have to pay uninsured motorist penalty fees
  • Be prohibited from registering any future vehicles
  • Have license plates confiscated
  • Pay a fine of up to $1,000 and/or one year imprisonment

As you can see, it is very important to at least carry the minimum insurance required by law. At the Bye Insurance Agency, we can help you determine just how much insurance is right for you. Our agents will look at how much you drive, where you drive, and your overall driving habits to help determine what policies are right for you.

If you are a Pennsylvania, Maryland, Delaware, Washington DC, Virginia, Ohio, Florida, or Arizona resident, we can help you find affordable auto insurance that protects you, your vehicle, and other drivers. Give us a call for more information.

Home Insurance


Now is a great time to buy a home and if you are thinking about buying a house, make sure you also purchase the right homeowners insurance. If you are financing your purchase, your lender will require you to carry a certain amount of home insurance.

Homeowners insurance is a necessity for all residents. It insures that your house and your belongings are safe from a variety of perils. Homeowners insurance not only protects your home and your property, it also protects you from lawsuits if someone hurts themselves on your property. Our policies typically cover:

  • Fire
  • Theft
  • Vandalism
  • Weather damage
  • Personal Liability

At the Bye Insurance Agency, we have been providing affordable insurance solutions to homeowners throughout Pennsylvania, Maryland, Delaware, Washington DC, Virginia, Ohio, Florida, and Arizona. Our agents will work with you to find the perfect policy for your new home. If you already own a home, chances are we can save you some money and offer better protection. If you haven’t looked at your existing homeowners policy in a while, you may not be getting the best deal today.

Give us a call at 410-544-4300 for more information about homeowners insurance. We look forward to hearing from you!

Condo Insurance


If you own a townhouse or condo, you have different insurance needs than the typical homeowner. Typically, condominium owners do not own the structure they live in. If shared areas need upkeep and maintenance, your association will typically handle the expense through their insurance package. Although your association dues help pay for upkeep of the common areas, they do not cover your personal property within your own unit, or your liability if someone is injured on your property.

Condominium insurance provides protection where condo associations do not. Condo and town house coverage helps protect your possessions within your unit, including furniture, appliances, kitchen and bath facilities and your personal items. If you plan on upgrading your unit, any improvements you make will also be covered under your policy, including wall units, renovations, and wallpaper.

If you would like to feel more secure, you should look into purchasing a condo or town house insurance plan from the Bye Insurance Agency. Contact us to get a condo or townhouse insurance quote right now!

Renters Insurance


Unfortunately, nearly 75 percent do not have renters insurance. There are many reasons why people do not purchase renters insurance. Some people don’t realize that they need their own insurance, while others don’t have coverage simply because it is not mandatory.

The fact is if a disaster were to strike your rental space, your landlord’s insurance will only cover the building. It will not cover any of your personal items. So, if there was a fire and you lost all of your cloths, electronics, or everything you own, would you be able to replace it? Our renters insurance covers all of your belongings so if something does happen to your apartment or house rental, you are covered.

At the Bye Insurance Agency, we have been offering renters insurance to residents for many years. Our solutions are very affordable and typically cover your property as well as liability issues. We offer basic coverage for:

  • Personal property
  • Property damage to others
  • Personal liability
  • Medical payments
  • Additional living expenses

There are many other policy coverages that you can add to your renter’s policy, and one of our agents will be happy to walk you through all of your options. If you are a renter in Pennsylvania, Maryland, Delaware, Washington DC, Virginia, Ohio, Florida, or Arizona, give us a call at 410-544-4300 for more information about renters insurance. You will be surprised at how much coverage you get for so little money!

Flood Insurance

Flood insurance provides some protection from the destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through the Bye Insurance Agency can help protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you want to keep your home safe and your possessions secure. Flood insurance covers losses incurred by water rising from the ground level.

Different types of policies are available based on your property’s location and flood history:

  • Standard Flood Insurance Policies

    If you live in a community that participates in the National Flood Insurance Program (NFIP), your building and its contents can be covered by a standard flood insurance policy. The NFIP was established by the Federal Government to help communities who “voluntarily participate in the NFIP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a standard flood insurance policy.

  • Preferred Risk Flood Insurance Policies

    If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost preferred risk policy. While you aren’t required to purchase flood insurance in low-to-moderate risk areas, a preferred risk policy will protect your home and its contents if you are affected by a small flood or a larger flood that has extended into your low-risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.

Don’t wait until it’s too late. Contacting the Bye Insurance Agency today will get you on the path to flood protection with an affordable and comprehensive insurance policy.

Motorcycle Insurance

Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.

Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

And no doubt you’ll qualify for some of our discounts that will make your Maryland motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.

You may qualify for a number of discounts including:

  • Insuring more than one motorcycle
  • Mature riders
  • Renewals
  • Credit for qualified safety courses
  • Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We’ll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you need.

Even if you’ve been riding for years, it’s a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?

Off-Road Vehicle Insurance

Let’s face it, off road vehicles are fun. Off road vehicle insurance is a critical tool to make sure you keep them fun. Whether you are a recreational ATV rider, or use your side-by-side to manage miles of fence line, having it damaged, wrecked, or stolen can cause loss of time and money. We can provide different types of off road vehicle insurance to cover different types of vehicle needs.


All Terrain Vehicles, Quad, Four Wheelers: whatever name you call it, the fun is still just as good. If you’re using it as a weekend cruiser, running around the farm, or taking it hunting – having your ATV is a lot of fun, but it’s also a big investment. What happens if it’s sitting in the garage and a poorly placed battery ruins the gas tank and engine? Does your homeowner insurance cover it? What if you’re not on your property and have an accident? Are you or your ATV covered? Even worse, if someone steals it from your backyard, or it’s hit while waiting to load your quad onto the trailer at your favorite trail – how are you going to replace it?

If you’re lucky enough to have a State-managed four wheeler trail network you’re most likely going to need insurance for your quad to ride on State land. We can help with all of these scenarios.


Race on the weekend at your local track? Ride recreationally? An off road motorcycle is a big investment too. Many people who compete in enduro rides have to be registered and insured – even hare scrambles can require coverage for your motorcycle. If you participate in activities where coverage is required, or want to protect your investment we can design the right policy to protect your dirt bike too.


Many of the vehicles that never see pavement, or aren’t registered, are of high value. You wouldn’t buy an $8,000 car and not insure it, but would you buy a side-by-side and leave it uninsured? If you’re a rock crawler why wouldn’t you protect your $30,000 toy from liability, uninsured accidents, and theft? If it falls off a trailer, will you pay damages out of pocket? If your Jeep rolls over and damages someone else’s vehicle, who will cover those damages? Many off road toys are high value, high investment, but owners simply don’t think they need coverage because they’re not on the road. Don’t leave your side-by-side, Jeep, or buggy vulnerable to anything other than the trails you’re on.

To make sure your buggy, quad, side-by-side, bike, or other off road vehicle you own is protected… contact us for a free quote today!

Watercraft Insurance

Things to Consider

When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends.

Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At the Bye Insurance Agency, we make sure that you enjoy your time on the water without having to worry about what could go wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you among the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

Our watercraft insurance plans can provide you with coverage against many different types of loss. We offer:

  • Medical Payments Coverage
    We offer medical coverage that can cover your eligible medical expenses if you get hurt when on the water.
  • Physical Damage Coverage
    This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in. This type of coverage is purchased at an additional cost.
  • Liability Coverage
    If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We’ll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.

Whether you’re a lifelong boater or just getting started in Severna Park, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Simply fill out our quick and simple online form to learn how the Bye Insurance Agency can help keep you safe and secure with a marine insurance policy.

You’ve worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Why not get started today and save with a free boat insurance quote? It’s easy with the Bye Insurance Agency. Happy boating!

Recreational Vehicle Insurance

Buying and owning an RV is a dream-come-true for many travelers across the country. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer. Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest or heading to the Nation’s Capitol, an RV can get you there.

Your new RV comes with a responsibility to protect and secure it from the dangers of America’s roadways. RV insurance coverage with the Bye Insurance Agency will protect your traveling companions and assets while you are on the road.

RVs are used for a variety of purposes. Your RV insurance premiums will vary depending on the type and amount of usage you get out of your vehicle. Contact us, the Bye Insurance Agency, for an evaluation of your RV needs. Get a free Maryland RV quote on your first or next RV insurance policy!

Umbrella Insurance

What is Umbrella Insurance?

Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues that go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.

What does Umbrella Insurance cover?

Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed the amount of liability coverage for the events that are already allowed under your regular insurance policies.

Why should you purchase Umbrella Insurance?

You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars? Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact the Bye Insurance Agency today for more information on umbrella policies and get a free quote!

Life Insurance


Unfortunately, many people never start thinking about life insurance until they start to get old. The truth is, it’s never too soon to start looking into a good life insurance policy. If you have a family, a mortgage, or any kind of debts you should stop and consider what would happen if you were no longer around. Most people do not want to burden their loved ones if something tragic were to happen, yet so many people do not have life insurance policies.

From our Severna Park offices, we provide affordable life insurance to the people of Baltimore and throughout Maryland. Our policies are very affordable and we make them easy to obtain. When you decide to look into life insurance, there are four basic types to consider:

  • Whole Life – provides a fixed amount on your death, and may build cash value.
  • Universal Life – includes a money market-type investment that may earn a market rate of return.
  • Variable Life – has an investment fund tied to a stock or bond investment.
  • Term Life – is for a specified time and has no investment.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with
such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

If you live in Baltimore, Columbia, or anywhere else in Maryland, we would love to work with you on a great life insurance policy. Contact us today to learn more.

Rental Property Insurance

As your trusted Maryland insurance brokers, we value the simple fact that we can protect you far beyond simple home, auto and business insurance — we are proud to get you the custom coverage you need for all aspects of your life.

Our ability to build tailored policies and offer the highest quality insurance advice is especially helpful for those who own rental properties. You may think that your generic home insurance policy covers all of your worries, but guess again. Having the appropriate insurance coverage is absolutely essential.

Whether you are renting out a long term property like a home or condo, or are simply allowing others enjoy a much needed getaway in your luxury vacation rental, you need to consider all of the risk exposures you face — and you certainly cannot rely on the coverage the your homeowners insurance may or may not provide. Our specialized rental property insurance can help assume the risk for damages to your premises as well as cover you against any unexpected injuries or accidents that occur involving others while on your property.

These realistic risk exposures are exactly why we at the Bye Insurance Agency want to be your insurance ally, and help you determine the best coverage options for your unique needs. We can help protect you against a variety of issues and our specialized insurance knowledge allows us to insure all levels of rental property including:

  • Properties that are vacant or up for sale
  • Properties that are under construction
  • Luxury high risk and high value vacation rentals

Furthermore, we offer effective dwelling fire insurance that is specifically designed to protect rental property owners, such as yourself, from losing rental income as the result of a fire. In most cases, this coverage will provide you with a year’s worth of rental income, allowing you the time and resources to rebuild and rent.

With so many options and alternatives to choose from, selecting the best rental insurance package may seem tricky — but with the Bye Insurance Agency on your side, we guarantee to secure you the most effective coverage that not only meets your needs but exceeds your expectations, so give us a call today!

Inland Marine Insurance


Whether your valuables are family heirlooms, expensive pieces of equipment or recreational vehicles, it would be both financially and emotionally damaging if harm came to them. A personal inland marine insurance policy goes beyond the coverage offered in a homeowners policy. It is designed to protect specific pieces of highly valuable property such as:

  • Fine Art
  • Collectibles
  • Jewelry
  • Electronics
  • Furs
  • And more…

The Bye Insurance Agency of Severna Park supplies competitive coverage on personal inland marine insurance policies throughout Maryland. To learn more about the coverage we offer, give us a call today.

Credit Insurance & Monitoring


According to the Federal Trade Commission, up to nine million people in the United States have their identities stolen each year. The problem is widespread and the Social Security Department calls it one of the fastest growing crimes. Your identity can be compromised in several different ways, including:

  • Theft of your mail or your recycling for information such as bank and credit card statements, new checks, credit card offers, and tax information.
  • Stealing personal financial information online from unsecured websites.
  • Buying your personal information from sources who are supposed to keep it confidential (possibly store or restaurant employees acting on their own).
  • Phone scams such as receiving a call from someone posing as a representative of your bank asking you to give them your account information.


At Bye Insurance Agency, we offer identity theft coverage and credit monitoring services that can put your mind at ease. We make it our business to keep up to date with recent changes in this field so that we can better serve you. We don’t want you to spend endless hours trying to recover what thieves have taken from you, your identity.  It’s your identity and we want to help you keep it that way.

Through top insurance carriers, we can provide the coverage you need to address these serious problems by covering your court costs, legal fees, and lost wages. You will have access to experts who will help you work with credit bureaus to restore your identity. With our credit monitoring service, you will be notified if a new account is opened in your name, a new credit inquiry about you is made, or if there are changes to your credit report (notified within 24 hours). Take a look at a list of benefits this program offers:

  • Free credit monitoring service
  • Up to $25,000 in coverage
  • No deductible
  • Access to your TransUnion credit report and score throughout the year
  • Enroll other household members for only $3.99 per person

At Bye Insurance Agency, we have been in business for thirty-one years allowing us to serve generations of clients with dedication. To learn more about the services we offer contact one of knowledgeable agents by calling 410-544-43008.  We look forward to hearing from you!

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