Michael J Payne, Insurance Agent

Payne Insurance Agency Inc.

Michael J Payne
President
9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PMClosed Today Closed Today

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Main Number
(301) 921-7800(301) 921-7800

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Contact
Phone:
(301) 921-7800(301) 921-7800

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Hours

Store Hours:

Day of the WeekHours
Mon9:00 AM - 5:00 PM
Tue9:00 AM - 5:00 PM
Wed9:00 AM - 5:00 PM
Thu9:00 AM - 5:00 PM
Fri9:00 AM - 5:00 PM
SatClosed
SunClosed

Learn about our insurance products

  • Get an auto insurance policy you can count on from Nationwide.
  • Protect your house and personal property by choosing the right insurance coverage from Nationwide.
  • Let us help you select life insurance coverage that meets your needs, your life and your budget.
  • Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

About Michael J Payne

Education
  • St Mary's College Of Maryland
Languages Spoken
  • English
  • Spanish
Licensed In
  • MD
  • VA
Services
  • Auto
  • Life
  • Home
  • Business
Awards
  • Champion Award
  • Presidents Conference Award
  • Nationwide Auto Council

Our Insurance Products

The Nationwide Insurance: Payne Insurance Agency Inc. in Gaithersburg, MD provides the following products. To learn more about each insurance product, click on the links below.
  • Auto Insurance
    Understanding the coverage you buy is important, but the language of underwriting can be a little difficult for those who are new to it. That's why Payne Insurance Agency Inc. focuses on explaining auto insurance coverage in a common sense way that members in Gaithersburg appreciate. That way, it's easier to enjoy your vehicle with the assurance you understand what is covered in the event of an accident.

    Auto policies tend to start with liability coverage, and the right amount can depend on the vehicle you drive, the state's requirements, and other factors. Once you have the liability package you need, collision coverage is there to help take care of any covered damage your vehicle takes in the event of an accident, and comprehensive packages are there to cover you in the event of an incident when the vehicle is not in motion. Michael J Payne works with Nationwide to provide drivers with a wide range of coverage choices. After you find the right coverage levels for your vehicle, we will apply discounts you may qualify for such as for safety equipment in the vehicle or your safe driving history.

    Finding out more about our policy options is easy. Our offices can be reached at (301) 921-7800, and agents are happy to take set appointments for in-person consultations at our office located at 550 N Frederick Ave.

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  • Homeowners Insurance
    Navigating the variety of options for your home insurance needs is simple with Michael J Payne of Payne Insurance Agency Inc.. Michael J Payne has teamed up with Nationwide to bring you expert insurance advice. Together, you'll go over coverage options for both your home and belongings that are valuable to you. Specifically, with our Brand New Belongings® coverage, we can help to replace or repair your covered valuables. Because Payne Insurance Agency Inc. is local to Gaithersburg, you can create an insurance policy with the unique qualities of your location in mind.

    When it comes to your home, a good roof over your head can relieve a lot of worry. Other unique aspects of your home, such as a pool, gazebo, or other detached structures, are also important to finding you the right insurance coverage. In Gaithersburg, we know there are also specific social and weather conditions that should influence your coverage, so we'll be sure to discuss them with you when you drop by.

    To get in touch and learn more about home insurance policies, you can come to our office at 550 N Frederick Ave 75080 or call us at (301) 921-7800. We'll not only go over what kind of coverage is available to you, but how to qualify for special discounts and bundle packages. We look forward to meeting you and walking you through your options.

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  • Life Insurance
    Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Gaithersburg life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.

    The agents at Payne Insurance Agency Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.

    Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.

    You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.

    Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call (301) 921-7800 and ask for Michael J Payne or visit us at 550 N Frederick Ave,Gaithersburg,MD,20877. We will be happy to work with you to make sure your family’s financial security is always protected.


    LAW-0245AO (05/18)

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  • Business Insurance
    When you are a business owner, stability is likely one of your top priorities. We at Payne Insurance Agency Inc. understand this, which is why we teamed up with Nationwide, a company with an excellent history of insuring businesses. We want to make sure that your business has the basic coverage it needs as well as any additional coverage to fit the nuances of your situation. No business is exactly alike, and you'll want to consider factors such as your business location, how the business is run, and your target customers or clients when you assess insurance options.

    If you are unsure how or where to start, Michael J Payne and our other agents may recommend that you select a businessowners policy (BOP). It combines property insurance, liability insurance, and other types of insurance coverage. After that, you can look at other insurance coverage options such as business interruption insurance, which can help keep your business going financially in situations such as vandalism or extreme weather. Other coverage types that may interest you include utility interruption, employment practices, and accounts receivable. We also have insurance solutions customized toward specific business types in Gaithersburg such as dry cleaners, real estate, and plumbing.

    Take advantage of an On Your Side® Review to determine the insurance coverage needs of your business. We will assess your business and give you information on what you may want to cover. Give us a call today at (301) 921-7800 or stop by our Payne Insurance Agency Inc. office on 550 N Frederick Ave.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Payne Insurance Agency Inc. also offers products in MD, VA. Please call for information on products in those states.

About the Payne Insurance Agency Inc.

3600 14th St NW
Washington, DC 20010
US
Main Number
(202) 629-2233(202) 629-2233
Click to visit page of this location
1100 W Patrick St
Unit C
Frederick, MD 21703
US
Main Number
(301) 670-9823(301) 670-9823
Click to visit page of this location
841 Quince Orchard Blvd
Ste J
Gaithersburg, MD 20878
US
Main Number
(301) 921-7800(301) 921-7800
Click to visit page of this location
The Payne Insurance Agency has been representing Nationwide Insurance for over 30 years, and has developed one of the most successful agencies in Montgomery County. The Payne Insurance Agency has qualified for multiple top awards over the years including Chairman's Auto Council, Champion's, President's Conference, Pacesetter, and Life. This success can largely be attributed to our well trained, professional customer friendly staff. The Payne Insurance Agency is a bi-lingual agency offering three locations for your convenience.
Our top priority is to protect our clients while providing them with a personalized insurance needs analysis package. As a full service agency, we are dedicated to establish a trustworthy relationship between our clients and our staff. Give us a call to discuss your insurance needs today. We will be happy to help you.

Average customer rating for Payne Insurance Agency Inc.

550 N Frederick Ave
Gaithersburg, MD 20877
US