State Farm Insurance Agent View Licenses

Karen Michaels

Michaels Ins and Fin Svcs Inc

  • CLU®
  • ChFC®
  • RICP®

16 Commercial Plz
Elkton, MD 21921-5916

199 S. Bridge St. Across from Goodwill

Map & Directions Contact Us
ABOUT ME

I have been proudly serving all of MD, DE, and PA since 1999, and come from a family that has been serving our customers over 40 years. Because I care so much about my customers and my community, I have been voted favorite insurance office every year! Give us a call if you are moving to the area! We are here to help with all your Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, Business and Commercial Insurance and Financial Service needs throughout Elkton and the surrounding areas.

I pride myself in providing an experience that is like no other, which has helped me earn several accolades, including:

  • Million Dollar Round Table

  • State Farm President's Club Qualifier

  • State Farm Chairman's Circle Qualifier

  • State Farm Ambassador Travel Qualifier

I feel it is critical to stay informed and on top of my industry so I can foremost 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, a member of Cecil County & Elkton Chambers of Commerce, a 2005 Graduate of Cecil Leadership, and a Graduate of Frostburg State University.

My office offers Auto Insurance, Home Insurance, Life Insurance, Health Insurance, Business Insurance, Banking and more in MD, DE, & PA.

Call us or visit our office to save money and be a part of the K-Amazing Experience!

Get a Quote
Karen Michaels State Farm Agent
Office Hours
Call us 24 hours a day!
Insurance Products

Auto, Home, Business, Property, Life, Health

Other Products

Banking, Mutual Funds, Annuities

Get a Quote
Get a Quote
ABOUT ME

I have been proudly serving all of MD, DE, and PA since 1999, and come from a family that has been serving our customers over 40 years. Because I care so much about my customers and my community, I have been voted favorite insurance office every year! Give us a call if you are moving to the area! We are here to help with all your Auto Insurance, Home Insurance, Renters Insurance, Life Insurance, Business and Commercial Insurance and Financial Service needs throughout Elkton and the surrounding areas.

I pride myself in providing an experience that is like no other, which has helped me earn several accolades, including:

  • Million Dollar Round Table

  • State Farm President's Club Qualifier

  • State Farm Chairman's Circle Qualifier

  • State Farm Ambassador Travel Qualifier

I feel it is critical to stay informed and on top of my industry so I can foremost 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, a member of Cecil County & Elkton Chambers of Commerce, a 2005 Graduate of Cecil Leadership, and a Graduate of Frostburg State University.

My office offers Auto Insurance, Home Insurance, Life Insurance, Health Insurance, Business Insurance, Banking and more in MD, DE, & PA.

Call us or visit our office to save money and be a part of the K-Amazing Experience!

Insurance Products

Auto, Home, Business, Property, Life, Health

Other Products

Banking, Mutual Funds, Annuities

Office Hours
Call us 24 hours a day!

Office Info

Office Map

Address:

16 Commercial Plz
Elkton, MD 21921-5916

Map & Directions

Languages:

English, Español

File a Claim Send a Payment

Languages:

English, Español

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Social Media

Videos

Back In The Office
Back In The Office video
I Am Chris Paul
I Am Chris Paul video
Security
Security video
Perennial
Perennial video
Our office can always be reached at (410) 398-1760
Your Preferred method of contact

Insurance coverage cannot be bound or changed via submission of this online e-mail form or via voice mail. To make policy changes or request additional coverage, please speak with a licensed representative in the agent's office, or by contacting the State Farm toll-free customer service line at (855) 733-7333 .

I'd like more info about

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.

CG

Chris Greaver

Team Leader
License #100020961

Working in both North East since 2008 as well as our Elkton 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 the National Association of Insurance & Financial Advisors. Chris 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.

TE

Tracie Ebersole

License #1336590

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.

LR

Laurielle Romero Lazcano

Insurance Account Representative
License #100018648

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.

LH

Laurena Hernandez-Sexton

License #1110010

Laurena has been a local State Farm team member since she was a student helping out part-time, giving her over 12 years of experience in serving Maryland, Delaware, and Pennsylvania insurance policies. She and her husband recently welcomed a 2nd child and enjoy spending time with their family and pets.

KL

Krystal Leipold

License #2088749

Krystal grew up in the Cecil County area and lives locally. She has been a State Farm team member since 2012 and is our Director of First Impressions and in-office claims professional. She and her husband enjoy outdoor activities with their Labrador Retriever, and also enjoy travelling to the beach and mountains.

JH

Jose Hernandez

License #2094353

Jose is originally from South Jersey and has been a State Farm Team Member since 2012. He enjoys assisting customers and helping them to understand their insurance and build their income and assets. Jose has two small dogs that he likes to spend time with and enjoys his hobby of working on computers when he's not at work.

KC

Keara Cottrell

License #3000010067

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.

LF

Lindsey Faciane

License #3000468786

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.

TY

Tiffany Younghein

License #3000258548

Tiffany has worked for our office since early 2018 as part of our Acquisition Team. She lives in the area with her fiance, Eric, and her giant cat, Toby. She enjoys being outdoors, concerts and baking. She is an avid reader so if you ever need a book recommendation make sure to ask her!

MM

Millard Moore

License #3000758622

Millard has over 12 years experience with top companies. Millard graduated from the University of Delaware. Millard is currently a Pennsylvania resident, but previously lived in Delaware for over 40 years.

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Agent Licenses for Karen Michaels
License:MD-199091
Additional License:DE-0160308, PA-722282
NMLS #:139716
NMLS ID#:228208
MLO License#:46-43
Disclosures

Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on statefarm.com. Read it carefully. AP2019/01/0054

Securities Supervisor address: 1 State Farm Dr , Concordville, PA 19339-9300 Phone: 610-361-4112

State Farm Bank, F.S.B., Bloomington, Illinois ("Bank"), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting statefarm.com or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm BankMember FDICEqual Housing Lender

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.