Business Details
25 Years
experience
Your Trusted Insurance Partner in WV & MD
Close Insurance Agency has served residents of Pennsylvania, Maryland, West Virginia, and Virginia for over two decades. Established with a commitment to combining small-town service with competitive pricing, we operate from two locations in Berkeley Springs, WV, and Hancock, MD. Our team of experienced professionals, including managing partner Tim Close and partners Aaron Close and Chris Smartt, specializes in delivering tailored auto, home, life, and business insurance solutions.With over 25 years of industry expertise, we prioritize client education, policy transparency, and long-term relationship-building. Our licensed agents dedicate themselves to understanding evolving insurance needs while maintaining deep community roots. As an independent agency, we partner with reputable carriers to ensure optimal coverage at affordable rates, focusing on personalized service and client satisfaction.
Services
Auto Insurance
Homeowners Insurance
Life Insurance
Business Insurance
Claim Assistance
Details
- Year established: 2001
Highlights and features
- We offer 20+ years of experience serving Mid-Atlantic communities
- Our independent agency partners with multiple carriers for optimal coverage
- Team includes 25-year industry veteran Tim Close and specialized producers
- Community-rooted approach with local office presence in two states
- Licensed agents provide personalized policy explanations and support
Services
Auto Insurance
Our auto insurance policies protect your vehicle investment while offering multiple discount opportunities. We help clients understand coverage options, implement risk-reduction strategies, and access accident forgiveness programs. Our partnerships with major carriers allow customized policies that balance protection and affordability for personal and commercial vehicles.
Homeowners Insurance
We provide comprehensive homeowners insurance covering property damage, personal liability, and additional living expenses. Our agents guide clients through risk prevention strategies like maintenance protocols and safety equipment requirements. Policies can be tailored for various property types including apartments, condos, and commercial buildings.
Life Insurance
Our life insurance solutions address both temporary and permanent coverage needs. We offer term policies for specific financial obligations and permanent plans for long-term estate planning. Our specialists help clients evaluate coverage amounts based on age, health, occupation, and financial responsibilities to ensure family protection.
Business Insurance
We protect diverse business operations with customized liability and property coverage. Our commercial policies serve restaurants, contractors, auto dealers, and service providers. We evaluate business-specific risks and ensure adequate protection for physical assets, employee safety, and operational continuity through multiple carrier options.
Claim Assistance
Our dedicated claims team provides guidance through the entire claims process. We assist with emergency response protocols, documentation requirements, and carrier communication. We maintain relationships with approved service providers for property repairs and offer 24/7 access to carrier-specific claims hotlines for urgent situations.
People
Timothy B. Close
Managing Partner
With over 25 years in insurance, Tim founded Close Insurance Agency in 2001. He specializes in all insurance lines and oversees Berkeley Springs operations while maintaining active client relationships.
Chris Smartt
Partner
Joining in 2001, Chris manages the Hancock, MD office. A Fulton County native, he focuses on personal and commercial insurance sales while maintaining local community connections.
Aaron Close
Partner
Aaron joined in 2006, specializing in commercial insurance and marketing. He manages advertising strategies while providing business insurance solutions from the Berkeley Springs location.
Maritza Miller
Licensed Agent
Maritza provides client support in policy management and claims assistance. With extensive licensing, she helps clients understand coverage details and make informed insurance decisions daily.
Amy Stull
Customer Service Representative
Amy assists clients with policy changes and claims processing. She maintains professional insurance knowledge to provide accurate information and timely support for personal and business insurance needs.
Questions
What types of insurance do you offer?
We provide auto, home, life, and business insurance policies with specialized coverage options for both personal and commercial clients.
How can I file an insurance claim?
Contact our office during business hours or use carrier-specific 24/7 claims numbers for emergencies. We guide clients through the entire claims process.
Do you offer multi-policy discounts?
Yes, we provide multi-policy and multi-car discounts. Bundling home and auto insurance often creates significant savings opportunities.
What areas do you serve?
We serve clients throughout Pennsylvania, Maryland, West Virginia, and Virginia with local office support in Berkeley Springs and Hancock.
How do you help with policy selection?
Our licensed agents explain coverage options, assess individual needs, and compare multiple carrier options to find the best fit.
Can I make policy changes online?
While we recommend personal consultation for changes, we offer online ID card requests and payment options through our website.
