Insurance for Bethesda, Chevy Chase & Potomac
Capital Insurance Partners is an independent brokerage licensed in Maryland. Our office in Friendship Heights sits a few blocks from Chevy Chase, and we insure homes, families and businesses across Montgomery County: Bethesda, Chevy Chase, Potomac, Rockville, Kensington and beyond.
A broker who lives here too
Bryan Aguirre, one of our partners, was born and raised in Montgomery County and lives there with his family, and several of our team call Maryland home. Being independent, we compare carriers for you rather than selling one company’s policy.
Private Client
Home, auto, umbrella and valuables for families in Bethesda, Chevy Chase and Potomac with significant homes and assets. Private client insurance
Business Insurance
General liability, workers’ compensation, commercial auto, professional and cyber liability for Maryland businesses. Commercial insurance
Life Insurance
Term and permanent life, placed with the top-rated carrier that fits your family. Life insurance
How insuring in Maryland is different
Water backup is the number one claim
Basements flood from below as often as from above. We recommend at least $25,000 of water backup coverage, and $50,000 to $100,000 with a finished basement. Bryan on Maryland
Your auto rate can be locked
One of our carriers offers a rate-lock program in Maryland that holds your auto rate until a car, driver or address changes. When one does, the rate catches up all at once, so ask what a new teenage driver will cost first.
Older and custom homes need the right rebuild cover
Much of Bethesda and Chevy Chase is custom, larger or historic housing, where guaranteed replacement cost and ordinance and law coverage matter most. Guaranteed vs extended replacement cost
Size your umbrella for future earnings
Wages can be garnished in Maryland, so an umbrella should be sized with what you will earn in mind, not just what you own today. Moving in? Update your license promptly too: a surcharge applies until you do. How much umbrella you need
From our Montgomery County clients
“I was referred to Bryan by a good friend who thought that Bryan would be an asset for my clients. My friend was 100% correct! Bryan truly cares about people and this motivating factor guides him in his business. He provides honest and accurate advice, always! I work with him personally on all my policies, in addition to referring him to clients and friends. Bryan is first class!”George Papakostas · Rockville, MD Read on Google ↗
“Bryan is a reliable broker who provides great service. He has been my agent for over 5 years… it's great being able to rely on a professional for all my insurance needs.”Kurt Shenk · Gaithersburg, MD Read on Google ↗
Straight answers
Yes. Capital Insurance Partners is licensed in Maryland, as well as in DC, Virginia, Pennsylvania, New York and Florida. Our office in Friendship Heights is a few blocks from Chevy Chase, and several of our team live in Montgomery County.
Water backup is the number one home claim in Maryland, so we don’t write a Maryland home policy with only $5,000 of it. Carry at least $25,000, and $50,000 to $100,000 if you have a finished basement.
A claim typically carries a surcharge of roughly 20 to 30 percent for three years, the same as in DC and shorter than Virginia’s five. Two or more non-weather claims within three years will usually lead to non-renewal, so think twice before filing a small one.
