About Us

Our History

Kip White, owner and CEO of American Insurance and Financial Services, Inc., opened his first insurance agency in 1990. At the time he was a captive agent with a large insurance carrier, which meant that he could only represent a single carrier company. Kip felt he could provide better service to his clients if he was able to represent several insurance companies instead.

In 1996, he took a leap of faith and dissolved his agreement with the captive carrier to become an independent agent. This gave the agency the flexibility to work with more carriers in order to provide our customers with more options and better rates. Shortly after making the leap to independence, Kip was appointed with Erie Insurance. Today American Insurance and Financial Services, Inc. still represents Erie along with over 8 additional "A-rated" or better companies. Having the ability to continually monitor the marketplace and offer our policyholders the highest quality insurance at the best possible rate just seems the neighborly thing to do.

Since its inception all those years ago, American Insurance and Financial Services, Inc. has grown to a full-service insurance agency. Currently, we serve the insurance needs of about 4,500 individuals and families, and the insurance needs of 350 business concerns in Maryland and adjacent states. Our office includes a state-of-the-art computer system for record keeping. In addition, we have a special rating computer so that instant rate comparisons can be made of the country's finest insurance companies!

Your Protection is Our Passion

When Hurricane Irene hit Maryland, the agents at American Insurance and Financial Services, Inc. drove to the office as soon as the winds subsided. With telephone and power lines downed and roads closed, agents made extraordinary efforts to contact insureds who may have suffered a loss. American Insurance and Financial Services, Inc. believes this quick and caring response should not just be isolated to extraordinary circumstances, such as hurricanes, but also for the everyday losses that occur in our clients lives. While a policyholder’s car accident or kitchen fire in their home may not be newsworthy – it is still catastrophic to them!

American Insurance and Financial Services, Inc. is committed to maintaining high ethical standards. You can be certain our agents will be conscientious, forthright, and thorough. Before any of our agents would sell you a policy they would first educate you on what you were purchasing.

Professional & Personal Service

We are a firm of proven professionals and caring, conscientious people; the kind of people you can depend on.

Our primary objectives are:

  • To be honest and fair in all our dealings.
  • To be interested in people and their problems.
  • To treat the client's needs as if they were our own.

We are committed to a high standard of excellence in all that we do and to establishing a firm relationship of mutual trust and service with each of our clients.

Our Aims

  • To reduce your insurance cost.
  • To reduce gaps in your coverage.

Our professional staff analyzes your insurance requirements first from the viewpoint of RISK MANAGEMENT. By risk elimination, risk reduction, risk transfer or risk assumption, the cost of your package of insurance may be considerably reduced.

We Are An Independent Agency

We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment.

We represent a carefully selected group of financially sound, reputable insurance companies, and we place your policy with the company offering the best coverage at a competitive price.

Our Services

  • A complete analysis of your insurance needs.
  • We design a responsible protection program for you.
  • We select the company or companies best suited to your situation.
  • We present you with a competitively priced proposal.
  • We move quickly to get fair, prompt settlement of your claims.
  • We periodically review the adequacy of your insurance program.
  • We look for ways to save you money.

American Insurance and Financial Services, Inc. - Your Neighbor That Cares

We are a local insurance agency with professional staff you can trust. Our team truly cares about you, and the things that matter most in your life. Plus, we have the access, understanding and expertise to make it matter.

So please, get a free quote today from American Insurance and Financial Services, Inc., where our valuable experience works to your benefit, our service is our commitment, and our rates are quite neighborly!