Protecting Lifestyles

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About Us

About Huff Insurance

If you want to learn some key things about Huff Insurance, please take a minute or two and check out the following information.

We Are A Local, Family Owned And Operated Insurance Agency

These days, it seems like the locally owned insurance agencies are dwindling in numbers.  While there are still several locally owned independent insurance agencies around us, we are getting harder to find.

Why is that?

Over the past 10 years, local independent insurance agencies have been selling to larger national, or even international, private equity firms.  We cannot blame the owners of these agencies for selling.  The private equity firms made it very hard for them to turn down their offers.   In most cases, the main insurance office will remain operational for a period of a few years.  After that, most of these organizations shift their servicing to a regional insurance office that may not be in the same town, or even in the same state.

They have to do this to get to the operational efficiencies that they need in order to make their money back from the purchase of the insurance agency.

This does take away from the personal experience that clients of independent insurance agents expect to receive.  It means that you may be dealing with someone who does not know about you or your community.

At Huff Insurance, we have been family owned and operated from our start in 1960.  We are currently run by the second generation of the family, Nancy Nicklow, daughter of our founder, W. Ray Huff.  We have zero plans on selling to any of the private equity firms.  The third generation of family is already working in the agency.  And they has a firm grasp of what it means to be a local, family run insurance agency.  Allie Nicklow and Dalton Nicklow have been working in the agency since age 14.  They both have aspirations of keeping the agency in the family and remaining a local insurance agency.   They take pride in our mission, core values and vision for the agency.

Huff Insurance Mission Statement

Huff Insurance will establish lasting relationships that provide value to the mutual benefit of our employees, clients and company partners.  Our staff will be well trained and will be innovative in solutions they outline as your “trusted advisor” to protect your lifestyle.
We will have state of the art technology and processes that make us efficient, effective and beyond the expected.

Our Core Values #RIPIT

  • Responsibility – We take responsibility for our work
  • Integrity—We do what is right, ALL of the time
  • Passion- We love what we do and want this to be demonstrated in our actions and in every communication
  • Innovation- We want to “think outside the box” for your insurance solutions and we use leading technology to stay ahead in the industry
  • Trust- We strive to build lasting relationships as we want to be your “trusted advisor”

Our Vision Statement

  • We want to be an exemplary organization by providing the right protection to individuals and businesses to protect their dreams and assets.
  • We want to be known for excellence in customer service and a model agency that is a household name and separated from the rest.
  • We want our employees to excel at their skills and increase their responsibilities in a culture of teamwork, and accountability.
  • We want progressive organic growth year after year.
  • We continue to be civic minded and continues to give back to the community.  Check out our Community Support Page


Check out our office with this Virtual Tour!

Huff Insurance, doing business in the states of MD, VA, PA, DE, DC and WV.

We have been dedicated to Protecting Lifestyles™ since 1960.

At Huff Insurance, we understand that you want the right coverage at the right price. Our friendly, knowledgeable licensed insurance agents will walk you through the insurance shopping process, explaining every detail along the way. Our number one goal is to provide you with a comprehensive insurance protection plan that you are confident in and comfortable with. Just one call can get you a customized insurance proposal with rates from a variety of insurance companies.

Huff insurance is a Trusted Choice Independent Insurance Agency, which means we represent several competing insurance companies, allowing us to find you the best fit. We’re your one–stop source for all for your insurance protection, personal insurance, business insurance, life insurance and health insurance. We provide you with more options than the other insurance agencies and online sources. We represent several of the finest insurance companies in the country; from national carriers to regional ones. Our access to several insurance carriers ensures that we will get you the coverage you need and a rate that you deserve.

The Huff Insurance Protection Team has been in Maryland since 1960 and we aren’t going anywhere. Huff Insurance is licensed in Maryland, Virginia, Delaware, West Virginia, Washington DC and Pennsylvania. Our agency still holds the old-fashioned values of service and quality.  But ties them together with today’s technology.  This allows us to serve you in this fast paced environment. Our goal is to protect the things that matter to you and your family.  This includes your business, your vehicle and your home, but most importantly your income.