Luray Insurance Agency

Luray Insurance Agency [email protected] Specializing in Habitational, Builder's Risk, and Worker's Comp Insurance

Hurricane warning on the screen—and your wind coverage feels like a checkbox.Then a claim adjuster asks for the details:...
06/17/2026

Hurricane warning on the screen—and your wind coverage feels like a checkbox.

Then a claim adjuster asks for the details: wind vs. flood, what’s excluded, and whether your policy matches the way your property is actually built. That’s when families and MD/VA/DC/PA/ WV business owners realize they’ve been paying for protection that may not perform in the wind.

We review the parts that cause “Rate Shock” surprises later:
- Wind vs. water coverage gaps
- Roof, openings, and debris limits
- Deductibles that spike after damage

Contact us for a personalized insurance quote
Visit https://lurayinsurance.com/ to learn more about our insurance products

“We thought our antivirus would cover it.”Then a phishing email turned into a breach, and the first email we saw wasn’t ...
06/15/2026

“We thought our antivirus would cover it.”

Then a phishing email turned into a breach, and the first email we saw wasn’t from a hacker—it was from counsel asking if the policy covers the costs nobody plans for: notification, forensics, customer call centers, legal defense.

We keep seeing Maryland businesses with coverage that’s years old… and exclusions that were written for a different kind of risk. For 2026, we’re telling clients to review cyber insurance like it’s part of your disaster plan—not a checkbox.

Questions we want you to ask before renewal:
- Does your policy cover ransomware (and extortion payments, where allowed)?
- Are you covered for business interruption and system restoration?
- What’s excluded, and how fast do you need to report?

Call us today at 410-602-2636 to see how much you can save with a coverage review.

Hurricane week is here—and the “normal” deductible can mislead you when the wind hits.We see it every season: a family t...
06/13/2026

Hurricane week is here—and the “normal” deductible can mislead you when the wind hits.

We see it every season: a family thinks their regular deductible is what applies, but the wind (and hurricane) portions of the claim can trigger a separate wind deductible that’s often much higher.

Before the storm does the work of raising your out-of-pocket cost, read your policy and confirm your wind deductible. Want us to sanity-check it with you? Call us today at 410-602-2636 to see how much you can save

Visit https://lurayinsurance.com/ to learn more about our insurance products

Luray & Associates, Inc. has got your back with the top 5 insurance rules every business must meet:1️⃣ Business Income &...
06/10/2026

Luray & Associates, Inc. has got your back with the top 5 insurance rules every business must meet:

1️⃣ Business Income & extra expense insurance
2️⃣ Workers' comp coverage
3️⃣ Bonding requirements
4️⃣ Liability protection
5️⃣ Professional liability if needed

We make staying compliant simple so you can focus on growing your business. Need a hand? Check us out!

Visit https://lurayinsurance.com to learn more about our insurance products

There's nothing like peace of mind in your own home. Whether you're in Owings Mills or across the state line, we're here...
06/07/2026

There's nothing like peace of mind in your own home. Whether you're in Owings Mills or across the state line, we're here to make sure your sanctuary stays protected. 🏠💙

Contact us for a personalized insurance quote today!

Visit https://lurayinsurance.com to learn more about our insurance products

Insurance rates keep moving.Your premiums should not be a guessing game.A Rate Shock Audit reviews all of your insurance...
06/05/2026

Insurance rates keep moving.
Your premiums should not be a guessing game.

A Rate Shock Audit reviews all of your insurance premiums to spot waste, gaps, and changes that may be costing you more than they should.

For Maryland families and businesses, that means a closer look at:
- home
- auto
- landlord
- investment property
- commercial coverage

If your renewals have started to creep up, it may be time to compare what you have now against what you actually need.

Visit https://lurayinsurance.com to learn more about our insurance products

06/02/2026

Hurricane season hits and everyone’s focused on the storm… then they see the deductible.

We keep hearing the same surprise: your “regular” deductible might be one number, but your wind/hurricane deductible can be higher (sometimes set up differently in the policy). That’s the piece that controls how much you pay before coverage kicks in.

Before the first warning hits, we recommend:

Read your policy for the wind/hurricane deductible terms.
Ask whether it’s separate from your standard deductible.
Get a quick policy review with our team so you’re not guessing under pressure.

Call us today at 410-602-2636 to see how much you can save.

Visit https://lurayinsurance.com/ to learn more about our insurance products

Your car insurance premium shouldn't feel like a second mortgage.Maryland rates are climbing, but that doesn't mean you ...
05/31/2026

Your car insurance premium shouldn't feel like a second mortgage.

Maryland rates are climbing, but that doesn't mean you have to settle for a generic policy that drains your bank account.

We look for specific discounts tailored to local drivers—from safe driving records to multi-policy savings.

Is your current agent actively fighting to lower your costs, or just sending you a bill?

Visit https://lurayinsurance.com to learn more about our insurance products.

That fender-bender turns into a “bigger bill” fast—especially when paperwork gets skipped.If you’re in Maryland and you ...
05/29/2026

That fender-bender turns into a “bigger bill” fast—especially when paperwork gets skipped.

If you’re in Maryland and you can safely do it, here’s what we recommend first:
• Check for injuries and move to safety if you can
• Exchange contact + insurance info
• Take photos of damage and vehicle plates
• Write down what happened while it’s fresh
• Report to police if there’s injury or major harm

Next, don’t guess on details. Documentation is what keeps the claim clean and prevents preventable premium headaches later.

Contact us for a personalized insurance quote
Visit lurayinsurance.com to learn more about our insurance products



Is your business fully protected?Operating in Maryland means navigating unique risks. To keep your assets secure, you ne...
05/26/2026

Is your business fully protected?

Operating in Maryland means navigating unique risks. To keep your assets secure, you need more than just a policy—you need the right mix of coverage:

• General Liability: Protection against third-party claims.
• Property Insurance: Covers your building and gear.
• Workers’ Comp: Essential for your team and compliance.
• Specialized Bonding: Required for many industries like auto dealers.

At Luray & Associates, we don’t just sell plans. We act as your cost-reduction advocate to help you fight rising rates while ensuring you’re properly covered.

Which of these is your biggest priority this year?

Visit https://lurayinsurance.com to learn more about our insurance products

Address

66 Painters Mill Road, Suite 112
Owings Mills, MD
21117

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 10:30am - 1pm

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