FAQs

At Staples & Associates Insurance, we take a relationship-first approach. We don’t just sell policies-we take the time to understand your needs, explain your options, and build a coverage plan that truly protects you. What really sets us apart is our white-glove service. When you call our office, you won’t sit in a queue or navigate endless prompts, you’ll be connected directly to a real person who can help. And if we don’t have an answer right away, we’ll find it and personally follow up with you.

Working with an independent agency like ours means you get:

• Access to multiple insurance companies
• Personalized advice from a real person
• Guidance you can trust

But beyond that, you get real service. No call centers, no bouncing around departments, just direct access to our team whenever you need us.

We provide a full range of coverage options, including:

• Auto Insurance
• Homeowners & Renters Insurance
• Dwelling/Rental Insurance
• Condo Insurance
• Business Insurance
• Farm Insurance
• Life Insurance
• Umbrella and Specialty Insurance

No matter what you need, you’ll always have a dedicated team behind you to answer questions and support you.

Absolutely. We work with a wide variety of businesses, from contractors and restaurants to trucking operations and farms. We don’t just place coverage, we help you understand your risks and stay protected long-term, with hands-on support whenever you need it.

We believe your insurance should grow with you. That’s why we offer ongoing service and regular policy reviews. And when questions come up? You won’t be routed through a system, you’ll reach someone who knows you and your coverage.

It’s easy! Feel free to:

• Call our office
• Stop by
• Or fill out a quick form on our website

From there, a real member of our team will talk you through your options, answer your questions, and make the process simple.

Every situation is different. We walk you through your assets, risks, and goals to build a personalized plan that way you are not over-insured or under-protected. And if questions come up later, we’re just a phone call away, no automated systems, just real support.

In many cases, yes. Because we compare multiple carriers, we can often find a competitive pricing and discounts. But our priority is making sure you have the right coverage, backed by a team who’s available when you actually need help. While others may sell just what is requested, we take the time to provide what truly fits all your needs.

Yes! Many insurance companies offer discounts when you bundle policies like home and auto. We’ll review your options and make sure you’re getting the best value without sacrificing coverage.

Several things can impact your premium, including:

• Your location
• Claims history
• Type of property or vehicle
• Number of vehicles
• Coverage limits and deductibles
• Driving records (auto policy)

We’ll break this down for you in plain language and help you understand where you can save.

A deductible is the amount you pay out of pocket before your insurance kicks in. We’ll help you choose a deductible that balances affordability with protection, so there are no surprises later.

Call us first. You won’t be sent through a phone tree or left figuring it out on your own. A real person will walk you through the process, answer your questions, and stay involved to make sure everything goes smoothly. If we need to get additional information, we’ll do the legwork and follow up with you directly.

Home insurance generally helps protect against things like:

• Fire
• Theft or vandalism
• Liability if someone is injured on your property

We’ll take the time to explain your coverage, so you know what you need.

We recommend reviewing your coverage at least once a year or anytime you experience any major life changes, such as:

• Buying a home
• Starting a business
• Getting married
• Child reaching mature driving age

And when it’s time to review, you’ll have direct access to someone who can walk you through everything with you. No waiting and no runaround.

We provide a full range of insurance solutions for individuals and businesses in Bethesda, including auto, homeowners, renters, condo, life, umbrella, and business insurance. Our team works with multiple carriers to help you compare coverage options and pricing.

Insurance costs in Bethesda can vary based on factors like your home value, driving history, business type, and coverage limits. Because Bethesda has higher property values than many surrounding areas, homeowners insurance may be higher than average, but we help you find competitive options.

Rates in Bethesda are often influenced by:

• Higher home replacement costs
• Traffic density and accident frequency
• Local weather risks, including storms and flooding

We help you navigate these factors to find the right balance of coverage and cost.

Flood insurance may be recommended depending on your property’s location. Even homes outside of high-risk flood zones in Montgomery County can experience flooding. We can review your property and help determine if coverage makes sense.

Yes, bundling your home and auto insurance is one of the best ways to save. Many carriers offer discounts for combining policies, and we’ll help you find the best bundle for your situation.

You can request a quote by calling our office, filling out a form on our website, or stopping by our Bethesda location. We’ll review your needs and provide multiple options so you can choose what works best.

Yes, we help businesses throughout Bethesda and Montgomery County with coverage like general liability, commercial auto, workers’ compensation, and professional liability. We tailor policies based on your industry and risk exposure.

We offer personalized service, access to multiple insurance carriers, and agents local to the Bethesda area. Instead of a one-size-fits-all policy, we help you compare options and build coverage that fits your needs.

We recommend reviewing your policies at least once a year or after major life changes like moving, renovations, or starting a business. This ensures your coverage keeps up with your current needs.

Yes, we also serve nearby communities including North Bethesda, Rockville, Chevy Chase, and throughout Montgomery County and Maryland.