Business Details
Your Trusted Insurance Partner in Owings Mills, MD
Luray & Associates has been serving Maryland families and businesses for over two decades, providing comprehensive insurance solutions tailored to individual needs. Founded by Steve Luray after a successful transition from banking and accounting, our agency specializes in personal and commercial insurance products including auto, home, rental property, and workers' compensation coverage. We pride ourselves on community involvement, supporting local initiatives like the Pikesville Baseball League and food drives, while maintaining a commitment to competitive pricing and personalized service. Our expertise extends across Maryland, Washington D.C., Virginia, Pennsylvania, and West Virginia, with a focus on helping clients protect their most valuable assets while saving hundreds annually.Through deep carrier relationships and specialized knowledge in niche areas like real estate insurance and auto dealership coverage, we deliver customized protection strategies that adapt to evolving client needs.
Services
Auto Insurance
Homeowners Insurance
Commercial Auto
Workers Compensation
Flood Insurance
Rental Property
Builders Risk
Umbrella Insurance
Landlord Insurance
Boat Insurance
Highlights and features
- We offer 20+ years of insurance expertise in Maryland's unique market needs
- Our multi-line agency provides comprehensive personal and commercial coverage options
- Specialized workers' compensation solutions for contractors with competitive rates
- Community-focused approach supporting local organizations and initiatives
- Licensed across five states to serve diverse personal and business insurance needs
Services
Auto Insurance
We provide comprehensive auto insurance solutions for personal and commercial vehicles, including liability protection, collision coverage, and uninsured motorist benefits. Our policies help Maryland drivers protect their vehicles while meeting state requirements and offering additional safeguards like roadside assistance. With options for new and used vehicles, we help clients find affordable coverage that matches their specific needs.
Workers Compensation
Specialized workers' compensation insurance for Maryland contractors and businesses, covering medical expenses and lost wages for workplace injuries. We offer competitive rates through multiple carriers and help determine proper employee classification to ensure compliance with state regulations while protecting business owners from financial risks associated with workplace accidents.
Homeowners Insurance
Comprehensive homeowners insurance covering property damage, personal belongings, and liability protection. Our policies include replacement cost coverage options and additional living expense benefits during home repairs. We help clients determine appropriate coverage amounts based on rebuilding costs rather than market value, ensuring adequate protection for their most significant investment.
Commercial Auto
Tailored commercial auto insurance for business-owned vehicles, including liability coverage, collision protection, and cargo insurance. Our policies cover employee accidents and property damage while meeting specific industry requirements for businesses operating fleets or specialized vehicles across Maryland and surrounding states.
Rental Property Insurance
Specialized insurance for rental property owners covering structural damage, lost income from tenant displacement, and liability protection. We offer policies for single-family homes, multi-unit buildings, and commercial properties, including options for vacant property coverage during tenant transitions and protection against unique risks associated with real estate investments.
People
Steve Luray
Owner
Steve Luray founded the agency 20 years ago after transitioning from banking and accounting. He specializes in multi-line insurance solutions and actively participates in community initiatives like the Pikesville Baseball League. Licensed across five states, Steve focuses on helping clients protect their assets while saving money on insurance premiums.
Questions
What types of insurance do you offer?
We offer auto, home, renters, commercial, workers' compensation, flood, and specialty insurance for auto dealerships and real estate investors across Maryland and surrounding states.
How can I get a quote?
Request a quote through our website or call us at 410-602-2636. Our agents will help you compare coverage options and find affordable rates tailored to your specific needs.
Do you specialize in any specific insurance areas?
We specialize in workers' compensation for contractors, rental property insurance, and commercial auto policies. Our expertise includes unique solutions for real estate investors and auto dealerships.
Are you licensed in Maryland?
Yes, we're licensed in Maryland and operate across Washington D.C., Virginia, Pennsylvania, and West Virginia with over 20 years of local insurance experience.
What are your business hours?
We're open Monday-Friday 9AM-5PM and Saturday 10:30AM-1PM. Contact us during these hours for personalized insurance assistance at our Owings Mills office.
How do you help clients save money?
We compare multiple carriers to find competitive rates, offer bundling discounts, and help clients optimize coverage levels to avoid overpaying while maintaining adequate protection for their assets.
