Allstate Insurance Agency
Bill Waugh & Associates, Waldorf, MD

3141 Old Washington Rd

Waldorf, MD 20602

Call

(301) 932-4227to quote by phone

Call

(301) 932-4227to quote by phone

Call

(301) 932-4227to quote by phone

Call

(301) 932-4227to quote by phone

Select a product to get a quote

ATV insurance

Location Details

Office Hours

Day of the Week	Hours
Mon	9:00 AM - 5:30 PM
Tue	9:00 AM - 5:30 PM
Wed	9:00 AM - 5:30 PM
Thu	9:00 AM - 5:30 PM
Fri	9:00 AM - 5:30 PM
Sat	Closed
Sun	Closed

Available 24/7 at

(301) 932-4227

3141 Old Washington Rd
Waldorf, MD 20602
US

Map of 3141 Old Washington Rd in Waldorf

Landmarks

Located on Rt 925 across from Food Lion

114 La Grange Ave

La Plata, MD 20646

Areas Served

Waldorf MD, Brandywine MD, White Plains MD, LaPlata MD

Languages

English, Spanish

Social

Bill Waugh & Associates: Allstate Insurance

Local Allstate Agency: Meet Bill Waugh & Associates

I am very proud to call Charles County home. I have lived in this area my whole life. I was born and raised here and married a local girl — yes, my high school sweetheart. It was an easy decision to raise our girls in our hometown because we wanted nothing more than to give them the same childhood memories and sense of community that we felt growing up. It’s been one of my greatest pleasures to serve the community as an Allstate agent since 1991.

Starting the Charles County Youth League in 2002 has been a very important part of my life. I spent most of my childhood on various Charles County sports fields and wanted our children and their schoolmates to be able to have the same experiences. And, if you need to find me on the weekends, you will most likely find me still coaching ball. I know firsthand as a father that having access to quality and local healthcare is essential, which is the main reason I serve on the board of directors for our non-profit hospital, the University of Maryland Charles Regional Medical Center.

I also love to hit a golf balls, eat some blue crabs or stick my feet in the sand. Life is busy running a small business, but, like most of us here in Southern Maryland, raising a family is what life is all about.

Growing my business to the point of being able to provide local jobs to 10 employees has been a personally satisfying milestone. And I will always remember how it felt to help Charles County residents get back on their feet after the 2002 tornado. Moments like that are exactly why I went into this industry and why I love going to work each day — to help customers and the community.

I look forward to meeting you. We are located just a short distance from the Motor Vehicle Administration in Waldorf and just a couple doors down from the hard-working folks at the Waldorf Volunteer Fire Department.

Products we offer:

Car Insurance Agent in Waldorf
Car Insurance Agent in Waldorf
Helps protect you and your vehicle if you’re involved in a car accident. At a minimum, you’ll likely need bodily injury liability and property damage liability to meet state auto insurance coverage requirements and help protect your finances if you cause an accident that injures another driver or damages their property. We also offer uninsured motorist coverage to help with your expenses if you’re hit by a driver without insurance. If you’re looking for coverage to help protect your vehicle, you might want to consider collision coverage and comprehensive coverage, which help pay repair costs if your car is damaged in a covered loss. And, optional coverages, like new car replacement coverage or loan/lease gap coverage help protect your investment in a brand-new car. I can help you choose a combination of coverages that fulfill state requirements and meet your needs. Give me a call to get a car insurance quote today!
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Home Insurance Agent in Waldorf
Home Insurance Agent in Waldorf
Helps provide protection for your house (dwelling) and your family’s liability as well as the things you own in and around your home such as “other structures” (detached garage, fence, etc.), your personal property (furniture, clothing, etc.) against covered perils such as fire, theft, wind/hail and more. Call me today for a homeowners insurance quote and I’ll help you get the protection your home needs and the savings you deserve with our money-saving discounts.
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Condo Insurance Agent in Waldorf
Condo Insurance Agent in Waldorf
Helps protect the portion of your condo, co-op or townhome for which you are responsible for (inside structure, permanent fixtures, cabinets, etc.) with dependable coverage. Condo policies are HO-6 compliant, and cover family liability and personal belongings against covered perils such as fire, theft, vandalism and more. Contact me today for a quote!
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Renters Insurance Agent in Waldorf
Renters Insurance Agent in Waldorf
Helps protect your personal belongings inside or outside your apartment from accidents such as, fire, theft, vandalism, and cover family liability. Give me call today to review what type of coverage makes sense for where you live and what you own.
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Motorcycle Insurance Agent in Waldorf
Motorcycle Insurance Agent in Waldorf
Our motorcycle policies include the basic coverage you may need, like liability coverage, which includes passenger liability coverage and uninsured motorist coverage. You can further customize your motorcycle policy with collision coverage and comprehensive coverage to help protect your bike. And, if you have a customized ride, you can help protect your aftermarket gear with optional equipment coverage. Contact me to learn about motorcycle insurance discounts and to get started with a quote for a policy that fits your needs.
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Business Insurance Agent in Waldorf
Business Insurance Agent in Waldorf
Allstate Business Insurance protects your business in ways other insurance might not. A business owners policy (BOP) usually includes three common types of coverage to help protect you and your small business: property coverage, general liability coverage and business interruption coverage. In addition to these basic coverages, the Allstate Business Owners Policy can be customized with additional protection to help cover more aspects of your business. I can help you tailor a policy to fit your small business’s needs. As a small business owner myself, I understand how important it is to protect what you’ve worked so hard to build. Call me for a free review of your current business policy and to learn more about insurance solutions to help protect you, your business and your employees.
Life Insurance Agent in Waldorf
Life Insurance Agent in Waldorf
Protect the life you want, for those that matter most. A life insurance policy can help provide financial security for your loved ones by covering expenses like the mortgage, college tuition, and other everyday living costs. Call me today to learn about the different types of coverage Allstate offers.
ATV Insurance Agent in Waldorf
ATV Insurance Agent in Waldorf
Help protect yourself and your all-terrain vehicle against the unexpected. We offer bodily injury liability coverage and property damage liability coverage on your ATV insurance policy. If you injure someone else or damage their property while driving your ATV, liability coverage helps pay the other person’s medical or repair bills. If your ATV is damaged in a crash, collision coverage may help. Collision coverage for your ATV helps pay for repairs if you hit another object, such as a fence or a tree. Finally, you may want to consider comprehensive coverage for your ATV in case it’s stolen, vandalized or damaged by hail or fire. Give me a call to get a quote on an ATV insurance policy today!
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Boat Insurance Agent in Waldorf
Boat Insurance Agent in Waldorf
Helps cover your boat on and off the water. Watercraft liability coverage helps pay for another person’s expenses if you injure them or damage their property with your boat. If you’re injured in a boating accident, watercraft medical payments coverage helps pay for your medical bills. Need to repair damage to your boat after an accident? Property coverage for your boat helps cover a crash with another boat or object (like a pier or buoy). It also helps cover theft, vandalism or fire. Help protect your boat against these covered perils during the on- and off-season. We also offer additional coverage for things like your boat trailer, fishing equipment and even towing or fuel delivery when you’re stranded. Need a boat insurance quote? Give me a call today!

20+

Years of
Experience

25+

Years in the
Community

Your Local Allstate Team

Vernonica Lopez-Hoggs

Customer Service Manager

In 2010, Veronica Lopez-Hoggs embarked on her insurance journey as the Service Manager at Bill Waugh's Agency, quickly establishing herself as a guiding force. Focusing on Auto insurance and Home insurance, Veronica's role involves not just transactions but a comprehensive understanding of insurance intricacies.

Veronica's favorite aspect of the job is the art of explanation. She takes joy in helping people grasp the nuances of insurance, emphasizing its importance and the diverse protection it offers. Her commitment to customer knowledge sets Veronica apart, making her not just a manager but a reliable source of knowledge in the complex world of insurance.

Beyond the office, Veronica harbors a love for travel, although she admits to being apprehensive about planes and heights. This paradox adds a touch of humanity to her profile, showcasing that even someone deeply involved in navigating the insurance landscape has their own fears and vulnerabilities.

Veronica Lopez-Hoggs' journey in the insurance industry is marked by a commitment to customer knowledge, a passion for travel, and a relatable humanity. With knowledge and a touch of wanderlust, Veronica continues to assist customers at Bill Waugh's Agency, helping them not only get the right coverage and also be a seasoned navigator that can lead them through the diverse horizons of insurance.

Michelle Douglass

Licensed Sales Producer

Entering the insurance industry as the Director of Sales at Bill Waugh's Agency in 2014, Michelle Garner has become a driving force in the field. Focusing on Auto insurance and Home insurance, Michelle's role involves not just transactions, but a personalized curation of policies to help fully protect customers and their families.

Michelle's favorite aspect of the job is the intersection of coverage and customer service. She takes pride in helping customers tailor policies that help offer comprehensive protection, shielding them from financial devastation. Her commitment to top-notch customer service reflects her dedication to help see customers have not only the right coverage but also a positive and supportive experience.

Michelle is a third-generation Allstate agent, proudly carrying on a family legacy. Her grandfather's initiation into Allstate insurance in the 60s set the stage, and Michelle proudly follows in his and her uncle's footsteps. This familial connection to the industry adds a layer of tradition and commitment to her role.

Beyond her professional achievements, Michelle is a loving mother to three sons, two of whom are identical twins. Her role as a parent mirrors her approach to insurance – a combination of care, foresight, and dedication to the well-being of those entrusted to her.

Michelle Garner's journey in the insurance industry is characterized by a commitment to help with customer protection, a rich family legacy, and the fulfillment of a third-generation Allstate tradition. With a warm heart and a legacy of excellence, Michelle continues to be a driving force at Bill Waugh's Agency, embodying the values of dedication, service, and family.

Mike Gibbons

Personal Financial Representative

Meghan Monroe

Sales Executive Assistant

Entering the insurance industry in 2011 as a Licensed Agent with Bill Waugh's Agency, Meghan Monroe has become a cornerstone in the field. Focusing on Auto insurance, Home insurance, Power Sports insurance, Boat insurance, and Commercial insurance, Meghan's knowledge extends across various domains of coverage.

Meghan's favorite aspect of the job is more than just policies; it's about helping customers truly understand the coverage they have and helping them be well-protected. Her commitment to clarity and comprehensive protection sets her apart, making her not just an agent but reliable in the world of insurance.

Beyond the world of insurance, Meghan has a passion for plants. Whether it's cultivating a thriving garden or tending to indoor greenery, her love for flora adds a vibrant and nurturing dimension to her personality. This appreciation for the beauty of nature aligns seamlessly with her role in helping safeguard the assets and well-being of customers.

One of Meghan's most cherished roles is being an Auntie. This special bond with her nieces and nephews holds a place of honor in her heart. The joy of being an Auntie reflects Meghan's nurturing and caring nature, extending her role beyond the professional landscape into the warmth of family relationships.

Meghan Monroe's journey in the insurance industry is marked by a commitment to customer understanding, a passion for plant life, and a deep appreciation for family bonds. With a green thumb and a warm heart, Meghan continues to be a presence at Bill Waugh's Agency, helping customers have not only the right coverage but also a caring agent by their side.

Zenee Steele

Joining the insurance industry in 2017, Zeneé Steele brought her vibrant personality and dedication to Bill Waugh's Agency in 2018 as a Licensed Agent/Services Producer. Focusing on Personal Lines insurance, including Auto insurance, Home insurance, Boat insurance, and more, Zeneé's role spans a diverse array of coverage.

Zeneé's favorite aspect of the job goes beyond transactions; it's about empowering people with insurance knowledge. She takes joy in informing customers about insurance intricacies and helping them understand their unique needs. This commitment to learning and understanding sets Zeneé apart, making her not just an agent but a reliable consultant in the complex landscape of insurance.

In her downtime, Zeneé is a self-proclaimed binge-watcher of her favorite shows. Her ability to unwind and enjoy the narratives on screen reflects her love for storytelling and the diverse aspects of life, a trait that undoubtedly contributes to her success in connecting with customers.

Hailing from the vibrant borough of Brooklyn, New York, Zeneé brings a unique flair and energy to her role. Her Brooklyn roots shape her approach, infusing a bit of urban charisma into her interactions and adding an authentic touch to the customer experience.

Zeneé Steele's journey in the insurance industry is marked by a commitment to customer knowledge, a love for storytelling, and the unmistakable influence of her Brooklyn upbringing. With a warm and dynamic personality, Zeneé continues to make a positive impact at Bill Waugh's Agency, helping customers have the right coverage and a knowledgeable and approachable agent by their side.

Azjure Patterson

Licensed Sales Producer

Entering the insurance industry in 2022, Azjure Patterson swiftly made her mark as a Licensed Agent at Bill Waugh's Agency in 2023. Focusing on Auto insurance, Home insurance, Power Sports insurance, and Boat insurance, Azjure's role transcends mere transactions to focus on building lasting personal relationships with customers.

Azjure's favorite aspect of the job is the art of connection. She takes joy in forging personal relationships with customers, understanding their unique needs, and providing tailored insurance options. This commitment to personalized service sets Azjure apart, making her not just an agent but a reliable ally in the insurance landscape.

Beyond the world of insurance, Azjure is a skilled musician who can play the electric guitar. Her musical talent not only showcases her creativity but also underscores her ability to strike the right chords – both in the realm of music and in building harmonious relationships with customers.

Azjure Patterson's journey in the insurance industry is marked by a commitment to personal relationships, a passion for music, and a love for cinematic storytelling. With a knack for striking the right chords in both her professional and personal pursuits, Azjure continues to make a positive impact at Bill Waugh's Agency, enriching the customer experience with a harmonious blend of knowledge and genuine connection.

Lidianys Cruz

In 2023, Lidianys Cruz entered the insurance industry as a Customer Service Support Agent at Bill Waugh's Agency, quickly becoming a pivotal force. Focusing on Auto insurance, Home insurance, Motorcycle insurance, Boat insurance, and Renters insurance, Lidianys's role extends beyond transactions to creating meaningful connections.

Lidianys's favorite aspect of the job is the opportunity to serve and assist the Spanish community and the elderly. Her commitment to providing support and understanding in multiple languages showcases her dedication to inclusivity and empathy. Lidianys customer-centric approach sets them apart, making her not just an agent but a valuable ally for those seeking insurance assistance.

Born in the vibrant city of Miami, Florida, Lidianys brings a diverse cultural background to her role. With a Cuban father and a Colombian mother, she embodies a fusion of cultures, allowing her to connect with a broad spectrum of customers and provide personalized service that transcends language barriers.

Lidianys Cruz's journey in the insurance industry is characterized by a commitment to community service, a passion for connecting with diverse cultures, and a love for her Spanish roots. With warmth and cultural insight, Lidianys continues to make a positive impact at Bill Waugh's Agency, helping customers have not only the right coverage but also a compassionate and understanding agent by their side.

Allstate Insurance Agent Reviews

arthur clark

May. 28, 2026

You always take care of my needs

sandra beall

May. 20, 2026

They treated me with respect and knew what I was looking for and gave me a very good price.

sandra washington

May. 6, 2026

👍

jose escobar arce

May. 5, 2026

carolyn lyles

Apr. 28, 2026

christine vincena

Apr. 24, 2026

penelope gold

Apr. 14, 2026

You have been very helpful in fixing my problems.

myrtle outing

Apr. 9, 2026

juana franco

Apr. 8, 2026

Es muy excelente servicio

magdalena rochac

Mar. 29, 2026

patricia wathen

Mar. 10, 2026

Very good. Very helpful

Agent Response

Thank you, Patricia, for your kind words and perfe

Thank you, Patricia, for your kind words and perfect rating! We're thrilled to hear that you found our service very helpful. Your satisfaction is our priority, and we look forward to continuing to meet your insurance needs.

robert posey

Feb. 23, 2026

Agent Response

Thank you, Robert, for your positive feedback and

Thank you, Robert, for your positive feedback and for being a valued customer. We're thrilled to know you're satisfied with our services. At Bill Waugh & Associates, we strive to provide reliable and trustworthy insurance solutions. If you ever need assistance, feel free to reach out.

helen mclean

Feb. 20, 2026

Agent Response

Thank you, Helen, for your wonderful feedback and

Thank you, Helen, for your wonderful feedback and for being a valued customer. We're thrilled to know you had a positive experience with us. Your trust and satisfaction are our top priorities. If you ever need assistance, feel free to reach out.

joseph hebron

Feb. 16, 2026

Agent Response

Thank you, Joseph, for your positive feedback and

Thank you, Joseph, for your positive feedback and for being a valued customer. We're pleased to hear about your satisfaction with our services. If you have any further suggestions or need assistance, feel free to reach out. Your trust in us is greatly appreciated!

kenneth hunt

Feb. 13, 2026

Agent Response

Thank you, Kenny, for your positive feedback and y

Thank you, Kenny, for your positive feedback and years and years of business with Allstate!

gloria kirksey

Feb. 10, 2026

Been a satisfied customer for a long time but when I filed a claim last year it was the worst experience I’ve encounte

Been a satisfied customer for a long time but when I filed a claim last year it was the worst experience I’ve encountered in a long time. I was not in good hands. The adjuster was never available, didn’t return calls or emails. The contractor’s Allstate sent actually caused more damage.

Agent Response

Hi Gloria, thank you for being a long-time custome

Hi Gloria, thank you for being a long-time customer and sharing your experience. I'm sorry to hear about the issues you faced with your claim. Please be in touch with our agency anytime you have an experience that doesn't reach your expectations, and we will advocate on your behalf!

sarah thompson

Jan. 30, 2026

Great service!

Agent Response

Thank you, Sarah, for your kind words! We're thril

Thank you, Sarah, for your kind words! We're thrilled to hear you had a great experience with our service. Your satisfaction is our top priority, and we look forward to continuing to meet your insurance needs.

william egloff

Jan. 19, 2026

Agent Response

Thank you, William, for your positive feedback and

Thank you, William, for your positive feedback and for being a valued customer. We're glad to hear you're satisfied with our services. If you have any further suggestions or need assistance, please feel free to reach out to waugh@allstate.com. Your trust means a lot to us!

harry bullock

Jan. 16, 2026

Agent Response

Thank you, Harry, for your 5-star review! We're th

Thank you, Harry, for your 5-star review! We're thrilled to hear that you're satisfied with our services. At Bill Waugh & Associates, we strive to provide reliable and trustworthy insurance solutions. We appreciate your support and look forward to continuing to serve you.

joan day

Jan. 14, 2026

Never had a problem is a good firm.

Agent Response

Thank you, Joan, for your positive feedback! We're

Thank you, Joan, for your positive feedback! We're thrilled to hear that you've had a seamless experience with us. Your satisfaction is our priority, and we're here to continue providing reliable service. If you ever need assistance, feel free to reach out.

Allstate Online Review Policy