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Karen Michaels

Michaels Ins and Fin Svcs Inc
2825 Churchville Rd
Churchville, MD 21028

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I always knew I was meant to choose a career that involves helping people. My father is a State Farm agent and my mother works in the office with him. My husband, Jeff Burtis, is also a State Farm Agent. I think it’s safe to say that my family has a knack for being prepared for the unexpected. I  began my insurance career in 1999 and have truly enjoyed every minute of it. I am dedicated to helping customers come closer to making their dreams a reality. My State Farm Elkton, MD office will make sure there are no gaps in your coverage by providing auto insurance, homeowners insurance, life insurance, business insurance, and more.


Over the years, my team and I have had the privilege of serving countless individuals, families, and businesses. We are dedicated to taking care of our customers and treating them like family. Operating with professionalism, transparency, and kindness, we make the insurance process as easy as possible. Taking the time to truly get to know our policyholders, we offer personalized plans that fill all the gaps and prepare you for all of life’s possibilities. 


Operating out of Elkton, my agency takes pride in providing excellent insurance to the local residents as well as those living in Cecilton, Charlestown, Chesapeake City, North East, Perryville, Port Deposit, Rising Sun, and the rest of Cecil County. Licensed to service all of Maryland, Delaware, and Pennsylvania, my State Farm office offers:

●        Auto Insurance

●        Homeowners & Renters Insurance

●        Health Insurance

●        Life Insurance

●        Small Business Insurance

●        And more!


I am committed to exceeding expectations and providing a positive experience to every customer who walks through our doors. My work ethic and passion has helped me earn several accolades from State Farm including Million Dollar Round Table, President's Club, Chairman's Circle, and Ambassador Travel. I recognize the importance of staying informed and at the forefront of all things insurance-related so I can better serve my customers. As a result, I have earned my RICP (Retirement Income Professional), Chartered Life Underwriter Designation (CLU), and my Chartered Financial Consultant Designation (ChFC). I am a member of NAIFA, The Cecil County & Elkton Chambers of Commerce, a 2005 Graduate of Cecil Leadership, and a Graduate of Frostburg State University.


When I’m not at the office meeting with customers, I can be found spending quality time with my husband and our three kids/step-kids, two of which have followed in our State Farm footsteps. My husband and I enjoy traveling, collecting wine, and working out on a regular basis. I make a conscious effort to live life to the fullest with the people who matter most and I want my customers to have the freedom to do the same.

Stop by my State Farm Elkton, MD office anytime. You are likely to be greeted by our dog, Aspen, who adores customers and belly rubs from our team members. We are looking forward to meeting you and are ready to discuss all your insurance needs. Want to get started now? Call our office or request a quote online today!

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products Offered

Banking, Home Loans, Mutual Funds, Annuities

FINRA’s BrokerCheck
9am - 5pm
Call us 24 hours a day!
2825 Churchville Rd
Churchville, MD 21028
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