October 2, 2022

Who We Are

DC - Jefferson Memorial after Blizzard of 2010

We are an independent insurance agency, which means we do not work for an insurance company.  We have the freedom to choose which companies we want to represent and are not limited to the products and services of just one company.  This allows us to not only select the very best companies, but to also select companies with unique specialties, giving us the ability to offer a much wider array of products.  As an independent insurance agency, you get the best of both worlds;  you get the financial strength of large carriers combined with the personalized service of a small local business.


Why Choose Howard & Hoffman Inc.

Craftsman - As a family owned and operated business, insurance has been in our blood our entire lives.  We view ourselves as true "craftsman" who take a great deal of pride in what we do.  Our goal is not simply to make a sale, it is to provide you with the right insurance at the right price.

Long-term Relationship - We are not looking to make quick sales, instead we work hard to build trusted long-term relationships.  We do this by taking the time to get to know our clients to better understand all of their property and casualty insurance needs.

One Agent - The agent that sells you your policy will also be the one to service your policy.  Many agencies simply pass you off to their service team after the policy has been sold, or even worse, they let the company handle all of your service needs.  We pride ourselves not just on the service when we sell you a policy, but the service we provide for the life of all of your policies.  So if you ever have a question, need to make a change to a policy, or discuss a possible claim, you can just call or e-mail you agent directly.

Knowledge Combined with Real World Experience - Our agents are extremely knowledgeable in all forms or both Personal and Commercial Lines property and casualty insurance.  But maybe more importantly, they have lots of real world experience to go along with that technical knowledge. Like many of our commercial clients, we too are business owners.  Like many of our personal lines clients, we too own motorcycles, boats, and are involved in various non-profit organizations.

6th Generation Washingtonians - We understand the unique differences between re-building an historic home in Georgetown, Old Town Alexandria, or Chevy Chase, versus building a new home in McLean, Bethesda, or Rockville.  For example, if you are going to do work on a home in Georgetown, you will need to factor in the cost of parking tickets for all your contractors.  If you are building in Chevy Chase or Old Town, you may have to spend a lot more money to meet their strict historic preservation guidelines.

Wide Range of Products - Since we are not restricted to just the product of one carrier, we have the ability to access different carriers with a much wider array of products.  So if you need a Worker's Compensation Policy for your nanny, a Named Non-Owner Auto policy to provide coverage when you don't own your own car, or whether you have a business that operates on defense bases in other countries and needs Defense Base Act (DBA)coverage, we can help.

Unbiased Claims Advise - Since we don't have to pay the claims, the carriers do, we are free to give you unbiased claims advise.  We can not only advise you on when to file a claim, but maybe more importantly, when not to file a claim.  When you do file a claim, we can help make sure you get everything your entitled to under the policy.

Licensed in Almost all 50 states - If you own homes in other states, or if your business has offices in other states, we can likely help insurance all of your homes or business offices.

DC - Key Bridge