You need more than just a policy—you need a partner who knows your name and has your back when it matters most. For over 25 years, Gerety Insurance has been that partner for Maryland families, ensuring you have the right coverage at the right price with a local team that's always accessible.
Our loyalty is always to you first, not to any specific insurance brand. We work with multiple carriers to find exactly what you need.
You've invested time, money, and heart into your classic car. Standard auto insurance doesn't understand collectible value—and that gap could cost you thousands.
We'll tailor your coverage based on how often you drive, where you store your vehicle, and the true collectible value of your car.
Our customized coverage works for antique cars, restorations, modern classics, reproductions, replicas, and modified collector vehicles.
The most reliable options:
As an independent agency, we compare rates across carriers on your behalf. New driver? See our coverage guide.
Liability covers damage and injuries you cause to others when you are at fault. Maryland's minimum is 30/60/15 ($30,000 per person, $60,000 per accident, $15,000 property damage). These are a legal floor, not a recommendation , a serious accident can exceed those limits quickly. See our auto insurance terminology guide.
Full coverage is not an official term, but it generally means liability, collision, and comprehensive together. Liability covers damage you cause to others. Collision covers your vehicle in an accident regardless of fault. Comprehensive covers theft, vandalism, hail, and other non-collision events. Lenders usually require all three when a vehicle is financed.
Generally yes. Maryland auto insurance follows the vehicle, not the driver. If you give someone permission to drive and they cause an accident, your policy is typically primary. Exceptions include drivers explicitly excluded from your policy, unlisted household members, and commercial use. If someone drives your car regularly, make sure they are properly listed.
Maryland requires uninsured motorist coverage on all auto policies. If an uninsured driver hits you, your UM coverage pays for your vehicle damage and medical expenses. Since July 2024, Enhanced Underinsured Motorist coverage is the automatic default on new and renewed policies, allowing you to collect your full UM limit on top of what the at-fault driver's policy pays. Learn how fault works in multi-car accidents.
For most homeowners, yes. Bundling typically saves 10 to 25 percent on your combined premium depending on the carrier. Beyond cost savings, it simplifies your coverage to one agency, one renewal, and one call when something goes wrong. We work with multiple carriers and can show you a side-by-side comparison before you decide.
Review at every renewal, and whenever your life changes: new home, new car, new driver, marriage, divorce, or starting a home-based business. Coverage that fit two years ago may not fit today. A quick annual review with us takes about 30 minutes and costs nothing. Getting married? Read this first.
