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Profile photo of a State Farm Agent named: Karen Michaels

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State Farm® Insurance Agent

Karen Michaels

Michaels Ins and Fin Svcs Inc

2825 Churchville Rd
Churchville, MD 21028

Profile photo of a State Farm Agent named: Karen Michaels

Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call or text us 24 hours a day!

Contact me to schedule a virtual meeting


2825 Churchville Rd
Churchville, MD 21028


English, Spanish

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

Banking, Mutual Funds, Annuities

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The mission of the Karen Michaels State Farm office is to serve customers in Elkton, MD and surrounding Cecil County, as well as Delaware and Pennsylvania. We can help with auto insurance, home insurance, life insurance, health insurance, banking and more. Stop in and meet with our experienced State Farm insurance team to get the protection you deserve for you and your family. We are licensed to help customers in Maryland, Delaware, and Pennsylvania. Let the Karen Michaels State Farm team give you value-based coverage and prepare you for life's unexpected.


Chris Greaver

Team Leader

Working in both North East since 2008 as well as our Bel Air/Churchville location, Chris' experience includes financial services, life, health, commercial, auto, & home insurance. In 2013, Chris received the LUTCF designation from The American College. He is a member of NAIFA and holds a Masters Degree from the University of Maryland and a Bachelors degree from Towson University. Chris is a lifetime Maryland resident and is licensed in MD, DE, and PA.


Tracie Ebersole

Tracie has been in the insurance industry for over 27 years and a team member of Karen Michaels State Farm since 2008. Tracie is licensed in Maryland, Delaware, and Pennsylvania; and experienced in servicing all personal and commercial policies. She enjoys spending time outdoors and with her young granddaughter.


Harold Hines


Laurielle Romero Lazcano

Insurance Account Representative

Laurielle grew up in Baltimore City, MD and graduated from The Patterson Business & Finance Academy in 1997. She's been a State Farm team member since 1997 and enjoys nature hikes, international travel and photography. She and her husband have 2 kids that they're raising in nearby Harford County. Laurielle tambien habla Espanol.


Alliyah Thorpe

Office Manager


K.J. Graves


Keara Cottrell

Keara has worked for Karen Michaels State Farm since 2016 on our Customer Care Team. She is married to her high school sweetheart, John, and they have a baby girl born in July of 2017. She loves spending time with family, especially on Sundays, supporting the local Baltimore Football Team. She has lived in Cecil County for 23 years and graduated from North East High School in 2010.


Kristina Racine


Tyler Litton


Lindsey Faciane

Lindsey started working with our office in 2018 as an intern and quickly discovered that she is an insurance nerd and moved up to our Aquisition Team a few months later! She has been married to her college sweetheart for 4 years, and they have their hands full with two beagle pups. She loves knitting, reading, and drinking espresso.


Brooke Raffa


Cameron Griffin


David Lazzaro