Tim Navarro

Welcome to Tim Navarro State Farm! We’re a local, independent insurance agency serving Kensington and the greater Montgomery County area. We help families and small businesses protect what they’ve worked hard to build—home, auto, life, and business coverage, all in one place.

How we work We believe insurance should be simple. We take the time to explain your options in plain English, compare rates from multiple carriers, and tailor coverage that actually fits your life. When something goes wrong, we’re the team that picks up the phone. No call centers, no runaround.

Ready for summer, covered year-round We know how summer impacts our customers—severe storms, vacation plans, teen drivers home from college, and weekend trips out of town. We use that seasonal perspective to help you spot coverage gaps before they become claims, so you can enjoy July and August with real confidence.

Let’s get started If it’s been a while since someone reviewed your policies, we’d love to connect. We’re here to give you straight answers and dependable protection through every season.

Licensed in Maryland. Proudly serving Kensington, MD the surrounding area.

State Farm Agent since 1996

5 Years of Prior Claim Experience with State Farm

University Of Maryland Grad

IBEW Local 26 Washington DC Electrical Union 1985

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Have questions? Tim in Kensington can walk you through your options.

Q: How quickly can car insurance coverage start?

A: Car insurance coverage can often start the same day, depending on your situation. Tim works with Kensington residents to find coverage that fits.

Q: What are the insurance requirements on a leased car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Tim serves Kensington, MD and is happy to help with your insurance needs.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Connect with Tim for insurance guidance in Kensington.

Q: Do you have to have home insurance?

A: Homeowners insurance requirements may vary by your state and situation. If you have home financing, your lender will likely require coverage, and many homeowners choose it for added protection. In Kensington, you can count on Tim for personalized service.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. Tim is here to help your Kensington household feel covered.