Every kind of coverage, one local agent.
Personal and business insurance from more than 15 companies, compared for you by an independent agency in Gaithersburg, Maryland.
Personal insurance
Auto insurance
Liability, collision and comprehensive for every kind of driver, including SR-22 and FR-19 filings.
See coverage →Home insurance
Protect your house, belongings and liability, with rebuild cost set at today's prices.
See coverage →Condo insurance
HO-6 coverage that fills the gaps in your association's master policy.
See coverage →Rental property insurance
Renters coverage for tenants and landlord policies for homes you rent out.
See coverage →RV, boat & motorcycle insurance
Motorhomes, travel trailers, boats and motorcycles, on the road and in storage.
See coverage →Umbrella insurance
An extra $1 million or more of liability on top of your auto and home.
See coverage →Flood insurance
NFIP and private flood policies for homeowners, renters and businesses.
See coverage →Business insurance
Business insurance
Business owner's policies, property and liability for small businesses.
See coverage →Commercial auto insurance
Commercial auto for vans, trucks and fleets used for work.
See coverage →Auto dealers insurance
Maryland MVA dealer bonds, garage liability and inventory coverage.
See coverage →Workers' compensation
Required in Maryland from your first employee, with help on audits.
See coverage →Special events insurance
One-day and multi-day liability for weddings, festivals and venues.
See coverage →Business & professional liability
General liability and errors & omissions for professionals and contractors.
See coverage →Surety bonds
License, permit and contract bonds for Maryland businesses.
See coverage →Three steps to the right policy
1. Tell us what you need
Use the quote form, call, or stop by the office. It takes a few minutes, in English or French.
2. We shop the market
A licensed agent compares coverage and price across more than 15 insurance companies.
3. You choose
We walk you through the options side by side, then stay with you at renewal and claim time.
Some of the companies we work with
Get your free quote
A few guided steps. A licensed agent compares companies for you and follows up with your options.
- No card, no obligation
- English or French
- Prefer to talk? (240) 842-9293
Auto · Home, condo & rental · Business · English or French
Good to know
What kinds of insurance does Tram's Insurance Agency offer?
Personal coverage for auto, home, condo, renters, landlords, RVs, boats, motorcycles, umbrella and flood, and business coverage including commercial auto, general and professional liability, workers' compensation, special events, auto dealer coverage and surety bonds.
Why use an independent agent instead of buying from one company?
An independent agent compares several insurance companies for you, so you can see real options side by side instead of one company's price. Tram's works with more than 15 companies.
Can I bundle more than one policy?
Yes. Bundling auto with home, condo or renters coverage often lowers the total price. Ask us to quote them together.
Local agents for all of Montgomery County
Our office is at 201 N Frederick Ave in Gaithersburg. We insure drivers, families and businesses across the county, and we are happy to help by phone, email or in person.
Calling after hours? Someone still answers.
Vera, our virtual assistant, picks up when the office is busy or closed, in English or French, and gets your message to the team.