Jonathan at KMK Insurance Agency

06/19/2026

A safer teen driver and extra savings? That’s what we call a win-win.
With teenSMART®, your teen driver learns how to handle real-life driving challenges while also saving up to 20% on their auto policy.*
*The teenSMART® program is offered and managed by ADEPT Driver®. Only Customers ages 16 through 20 years old who successfully complete teenSMART® are eligible for the possible discount of up to 20% on their ERIE auto policy. Discount subject to eligibility criteria and rates and rules in effect at the time of purchase. Not available in all states.

06/19/2026

You don’t own the building.
But you definitely own everything inside it. 👀
From your couch to your clothes to your tech, it adds up fast.
Renters insurance helps protect the life you’ve built inside your space.
Not sure if you have enough coverage? Let’s talk. ☎️ 301-724-1013 KMK Insurance Agency

06/19/2026

If we had a dollar for every time someone said, "I'll get life insurance when I'm older"... we'd probably have enough to buy a policy for you.

Real talk: Life insurance is more affordable (and easier to qualify for) when you're younger. Don't wait for a "perfect" time. Reach out to us for a no-pressure chat!

Call us at 301-724-1013 KMK Insurance Agency

Erie Family Life Insurance Company (Erie, PA). ERIE life insurance products are not available in New York. Go to erieinsurance.com for company licensure and product details.

06/18/2026

⚠️ Know Before You Ride: Maryland E-Bike & E-Scooter Laws ⚠️

There has been an increase in the use of electric bikes and scooters throughout our community. While many of these devices are perfectly legal, some high-powered models being marketed as “e-bikes” but might actually fall into a different vehicle classification under Maryland law.

🚲 Legal E-Bikes
Maryland recognizes three classes of electric bicycles. To qualify as an e-bike, the vehicle must have fully operable pedals and a motor of 750 watts or less.
• Class 1: Pedal-assist only, up to 20 mph
• Class 2: Throttle-powered, up to 20 mph
• Class 3: Pedal-assist only, up to 28 mph (operators must be at least 16 years old)
Legal e-bikes do not require registration, a driver’s license, or insurance.

🪖 Helmet Requirement
Maryland law requires all operators and passengers under the age of 16 riding an e-bike to wear a properly fitted bicycle helmet. The Allegany County Sheriff’s Office strongly encourages helmet use for all riders. A helmet is one of the most effective and practical ways to prevent serious head injury in the event of a crash.

🛴 Electric Scooters
Electric scooters with a maximum speed of 20 mph do not require registration or a driver’s license. Riders must still obey all traffic laws, including stopping at stop signs, yielding right-of-way, and traveling in the proper direction of traffic.

🚨 Not All “E-Bikes” Are Legal E-Bikes
Many electric vehicles sold online today can reach speeds exceeding 30, 40, or even 50 mph. If a vehicle exceeds Maryland’s e-bike limits on mph or lacks operable pedals, it may be classified as a moped, motor scooter, or motorcycle.

These vehicles may require:
✔️ A valid driver’s license
✔️ Registration and license plates
✔️ Insurance
✔️ Compliance with all applicable motor vehicle laws

Operating an improperly registered or unlicensed high-speed electric vehicle on public roadways may result in traffic citations, towing, and impoundment.

As summer begins and more riders take to our streets, trails, and neighborhoods, we encourage parents to ensure their children are wearing helmets and understand the rules of the road before riding. We encourage motorists to be more aware of their surroundings, bike lanes, and more youth out riding bikes.

Please ride responsibly, obey all laws, and do your part to help keep our community safe for everyone.

06/18/2026

Your insurance shouldn’t be a guessing game.

If you haven’t reviewed your auto, home, life, or business insurance recently, now is a good time to take a look.

Rates change. Life changes. Coverage needs change.

I’d be happy to review what you have and see if there are better options available through KMK Insurance.

📞 301-724-1013
Jonathan at KMK Insurance

06/18/2026

Thinking about switching to ERIE for your auto policy?
With ERIE, you get more than just a policy, you get a local agency like us who's here for the big stuff, the small stuff and everything in between.
No call centers. No runaround. Just real help, from people right down the street.

Ready when you are. 301-724-1013 KMK Insurance Agency

06/09/2026

Before your next insurance renewal, I'm suiting up for battle. 🏍️😂
Why the helmet? Because some policy surprises hit harder than expected.
Before you just renew and hope for the best, let KMK Insurance Agency review your coverage and check for things like:
✔ Coverage gaps
✔ Missing discounts
✔ Deductibles
✔ Valuable items
✔ Policy limits
✔ “Wait… that’s not covered?” moments 😬
A quick review today could save you a headache later.
Helmet optional. Coverage review recommended.
📞 301-724-1013
📍 63 Henderson Ave, Cumberland, MD 21502
🌐 http://www.kmkins.com

06/08/2026

06/04/2026

Hollywood may be bringing the drama to Cumberland…

But when it comes to your insurance, KMK Insurance Agency is here to help keep things calm. 🎬

From auto and home to life and business coverage, we help protect what matters most with local service and real answers when you need them.

Drama on screen.
Calm coverage at home.

📞 301-724-1013
📍 63 Henderson Ave, Cumberland, MD 21502

06/04/2026

Get a custom quote today.