William M. Sparks 1945 - 2023
My father, William (Bill) Sparks, passed away sadly but comfortably Sunday morning, surrounded by his family. He was a kind and loving man with a heart of gold. There are so many who loved him and will feel this loss – in the business world and far beyond. He would say thank you to all of his small-business customer for their support, and he would wish everyone peace and happiness. I have run the William M. Sparks Insurance Agency for many years now, and I will continue to run it just as my father did and as he would want me to do. On behalf of my family, I thank you all for your kind words, well wishes and support at this time. --- Danielle Sparks
Auto - Homeowners - Business Insurance for
Lutherville, Timonium & Cockeysville, Maryland
Find the best rates and the best terms on homeowners, renters, condo and flood insurance as well as auto, boat and motorcycle insurance for you and your family.
We help you create a good business/commercial insurance package designed especially to fit your industry and offer your company the best coverage.
This popular financial tool can be used for many purposes besides just paying for you final expenses, depending on the type of policy you choose.
As an independent insurance agency, we will do the research and compare a number of insurance carriers to give you the best options and rates to meet your needs.
When your home is a condominium, no matter the building structure, would you know what questions to ask your condo association before purchasing insurance to cover your investment? Condo owners' needs vary. Here at the William M. Sparks Insurance Agency, Inc. in Timonium, Maryland, we can help you understand your options and responsibilities and walk you through making the right choices for your own condo insurance needs whether you are a resident of Maryland (MD), Virginia (VA) or Pennsylvania (PA).
Condominium insurance provides coverage for your personal belongings as well as coverage for structural improvements to your dwelling and additional living expenses if you are forced to temporarily relocate during repair/rebuilding of your unit following a covered disaster.
What is not Covered by your Condo Insurance
Your condo insurance policy will not cover the common areas you share with other condo owners in your building. These typically include the roof, basement, elevator and walkways. These common areas are usually covered by a “master policy” purchased and owned by the condominium association or board.
What to Insure As a Condominium Owner
To ensure that your condo insurance policy offers adequate coverage, first consult your association’s by-laws or proprietary lease, and speak with condo or insurance specialists. Sometimes, a condominium association is responsible for the entire condo unit as originally built, but sometimes only for the bare walls, floors and ceiling. In case of the former, you must only insure alterations to the original structure; but in the latter case, you must insure built-in appliances and casework, wiring, plumbing, kitchen and bath fixtures, etc.
Additional Coverages for your Condo
Coverages in addition to your condominium insurance policy might include:
- Unit assessment to pay your share of an assessment charged to all unit owners by the association for the repair of loss sustained through damage to the common areas.
- Flood or earthquake insurance since these disasters are not typically covered by your condo policy.
- Water back-up coverage pays for loss caused by sewer or drain back-up.
- Additional coverage for expensive belongings such as furs, collectibles, jewelry, etc.
- Catastrophe Liability (Umbrella) coverage to supplement your standard condo insurance policy.
Our capable agents here at the Sparks Insurance Agency in Timonium, MD, have experience with condominium insurance; and with their help, you can learn about available discounts and coverage choices to create just the right policy for your needs if you reside in MD, VA, PA. So why not contact us today to discuss how we can help or get a Condo Insurance quote.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency, Inc. before making any decisions or choosing a course of action.
Your boat is an important investment – even more important when you add accessories, equipment and a trailer. Here at the William M. Sparks Insurance Agency, Inc. in Timonium, Maryland, we can help you sort through the options and arrive at the best boat insurance coverage for your needs.
The type of boat insurance coverage you require depends upon the size, type and value of your boat and the water in which you use it.
Is Boat Insurance Needed for Small Boats?
Typically, small boats such as small sailboats, canoes and small power boats, may be covered under a renters, condo or homeowners policy.
What Does Boat Insurance Cover?
Larger, faster boats require a separate insurance policy and coverages usually include the following:
- Physical damage or loss – covers permanently attached equipment, machinery, furnishings and fittings as well as the hull. In the event of a physical loss or damage, reimbursement depends upon which of the following types of policies you have chosen.
- Agreed Amount Value – reimburses the previously agreed-upon (full or partial) value of your vessel.
- Actual Cash Value – reimburses replacement cost at the time of the loss, less depreciation.
- Property damage – covers damage to someone else’s property.
- Bodily injury – covers injuries caused to someone else.
- Medical payments – covers injuries to you and/or your passengers.
- Theft of your boat or its covered elements.
- Guest passenger liability – covers legal expenses of someone using the boat with your permission.
Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.
Why not sit down with one of our capable agents who is experienced in boat insurance; and with their help, you can learn about available discounts and coverage choices to create just the right policy for your needs. Just contact us today to discuss how we can help or get a free quote.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency, Inc. before making any decisions or choosing a course of action.
If you are like most folks, your car is essential to your daily life. You take care of it and take care to avoid damage. But accidents happen, and you need to know you and your car, truck or SUV are protected from loss.
Here at the William M. Sparks Insurance Agency in Timonium, Maryland, we have helped thousands of auto insurance policy holders. Whether you are a resident in Maryland (MD), Virginia (VA) or Pennsylvania (PA), we know the guidelines so we can help you plan your coverage and avoid costly mistakes down the road.
Auto insurance is your protection from the financial loss incurred because of an automobile accident. Your car insurance policy will define exactly how your insurance company will handle your losses when you submit a claim.
Generally, auto insurance includes several types of coverage:
- Bodily injury liability coverage pays for injuries someone else suffers in an auto accident if you are at fault.
- Medical Payments or Personal Injury Protection provides reimbursement for medical treatment suffered by you and/or your passengers during an accident.
- Property damage liability covers damage you caused to someone else’s property.
- Collision coverage pays for damages to your own vehicle in case of an upset or collision with another car or object.
- Comprehensive insurance covers your loss when you experience fire, theft, glass breakage, or damage to your vehicle from something other than collision.
- Uninsured/Underinsured Motorist coverage reimburses for your injuries in case of an accident involving a person without auto insurance, with lower limits that yours which are insufficient to cover your damages, or with a hit-and-run driver.
Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.
Optional Coverages to consider:
- Rental Car Reimbursement
- Emergency Towing
- Loan Security Protection
So why not take a moment to get a no-obligation review of your current policy or request an auto insurance quote. Our experienced agents are waiting to hear from you.
The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it. This website is not intended to advise, offer or bind coverage. You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the William M. Sparks Insurance Agency before making any decisions or choosing a course of action.
If you are in business, you know the value of a good business / commercial insurance package designed especially to fit your industry and your company. Here at the William M. Sparks Agency in Lutherville - Timonium, Maryland (Baltimore County), we will help you create that package, including the basic coverages every business needs as well as any of many additional special coverages if you need them. We serve businesses in Maryland (MD), Virginia (VA) and Pennsylvania (PA).
Just select any of the following coverages to learn more about it, or contact us if you are seeking something other than those listed.
Business Owners Insurance Policy
Business insurance is usually a bundle of coverages starting with the basics of general liability and commercial property protection. Your custom designed protection plan will build from there to best protect your particular type of business from the many general risks, to those that might be unique to your industry. Whether you are in sales or service, or are a retailer, property investor or manager, professional services office, restaurant or automobile repair shop, or some other line of business, this is the place to start. Learn more about a Business Owners Insurance Policy>...
General Liability & Contractors Liability Insurance
Some businesses, like contractors, need liability protection against damages arising as a result of your operation or insured location. General Liability protection would follow you and your employees to your work sites. Learn more about General Liability and Contractors Liability Insurance>>...
Business Auto / Commercial Vehicle Insurance
Covering your business vehicles against losses is an important part of your business insurance portfolio. Many variations and options exist to assure that you have the right coverage on your vehicles for your particular operation. Learn more about Business Auto / Commercial Vehicle Insurance>...
Workers Compensation (Comp) Insurance for Injured Workers
Making your workplace safe is certainly one of your top priorities. Even so, accidents happen. Having Workers Compensation insurance protects your company from litigation and covers injured workers’ expenses. Learn more about Workers Compensation (Comp) Insurance>...
Group Life Insurance Coverage Benefit Plans
In this economy, employee benefits can be a more important tool than ever for a business owner. Workers are concerned about making ends meet and at the same time protecting their financial future. Offering group life insurance to your employees and their dependents can help attract and retain good people. Learn more about Group Life Insurance Benefit Plans>...
Key Person / Employee Insurance
As a business owner, you work hard to stand out and be competitive in your market; and the trustworthiness of your employees is an important part of making that happen. So when you lose one of those key employees, particular through death, the impact on your business can be substantial. You can protect against that impact with Key Employee insurance. Learn more about Key Person (Employee) Insurance>...
Business Catastrophe Liability (Umbrella) Insurance
No matter how well you plan, accidents can still occur; and depending on the circumstances, the resultant claims against your business can far exceed your planned coverages. When this happens, it can put your entire business at risk unless you have an ‘umbrella’ for protection. Learn more about Business/Commercial Catastrophe Liability (Umbrella) Insurance>...
Need more information?
Contact us today and speak with one of our expert agents who can answer all your questions and help you sort out your insurance needs.
Don't see the type of insurance you need?
We are a full-service insurance agency, and we offer many other types of insurance policies to meet your needs. Just call our office at (410) 252-8304 or request a quote.
Here in Lutherville / Timonium, Maryland, at the William M. Sparks Insurance Agency, we want to be sure you have the complete protection needed for your business. We look forward to the opportunity to sit down with you to review your current policy coverages and discuss how we might help you meet all your insurance needs.
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