Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304



We are committed to offering you the OBJECTIVITY of
experts and the WARMTH of caring professionals. Our Mission
is to ensure you enjoy the kind of peace of mindthat changes


Picture this: right here in our community, animals like our beloved pets face each day without food, shelter, or love. These aren’t just numbers; they are living beings, deserving of care and happiness.


In the heart of Western Maryland, we're more than just neighbors; we're a close-knit family, embracing every creature, big and small, with open arms. Here at Karlen & Associates Insurance Services, we go beyond the call of duty. Our latest mission? To cast a spotlight on a silent sorrow that lingers among us—the distress of our neglected and forgotten animal friends.


FSOF is more than just a non-profit; it's a symbol of hope and relentless dedication. They tirelessly work to rescue animals from desperate conditions, provide them with vital medical care, and find them loving, permanent homes. Beyond rescue, FSOF plays an essential role in educating the public about responsible pet ownership, including the importance of spaying and neutering.


Karlen & Associates Insurance Services has consistently stood up for those without a voice. Our newest community initiative wholeheartedly supports Fifty Shades of Furry (FSOF) and their mission. The joy of pet ownership, while immeasurable, comes hand-in-hand with significant duties.



FSOF is a non-profit organization that provides pet owners with the highest level of pet care to ensure their four-legged friend can live a happy, healthy life at a low cost. They offer services such as rescuing animals from shelters, providing medical care, and finding forever homes for them, as well as educating the public on the importance of spaying and neutering pets and responsible pet ownership.


Here's your chance to lend a hand to a furry friend in need. Our agency will focus its cause campaign efforts for the next three months on facilitating the adoption of some of the city's most disadvantaged pets. There are many ways you can help make a difference in the lives of homeless animals, even if you are unable to adopt or foster them. One of the best ways to help homeless pets get the care they need and deserve before finding their fur-ever homes is to volunteer or make a financial contribution.


If you're familiar with our agency, you know that our employees care deeply about serving others, especially our furry four-legged friends. This quarter, the Karlen & Associates team will focus its campaign efforts on educating the community and increasing awareness for abused and homeless animals.

Let’s Show Big Love To Our Little Furry Friends!

This incredible mission that BHS is on has inspired us to raise awareness for this cause which is very close to our hearts. And to make sure that you also get the chance to give back to your community, Karlen & Associates has committed to donating $20 every time you recommend your friends and family to receive an insurance quote from us! 

Protecting All In Our Community

We are delighted to be helping the Baltimore Humane Society once more, which works tirelessly every day to care for and protect abandoned animals in our neighborhood. our team at the Karlen Agency wishes to promote awareness and support their incredible cause. This amazing organization gives animals a temporary home to remain in before matching them with their future families.

Four Legged Friends Need Our Help!

We are so lucky to have such a kind and compassionate organization in our community that believes every animal deserves to have a loving home. Their years of service in our community do not go unnoticed, and our team here at the Karlen Agency wants to raise awareness and support their amazing mission.

Em-BARK-ing On A Life Saving Mission

Since 1927, the Baltimore Humane Society has tended to homeless and abandoned animals, providing them with a temporary shelter before connecting them with their forever home. Much like our agency, they are committed to serving all in our community, even if those in need have four legs and a tail.

Caring For the Community’s Critters

Over the years; the Karlen Agency has been collectively working together to support a series of local initiatives and outreach programs intended to provide support to deserving families & children in an effort to improve comfort and quality of life for them. With that being said for the next 90 days, we are proud to be directing all donations raised through our Rewards Program to the Baltimore Humane Society.

Fighting Hunger with Our Marylanders

Maryland Foodbank is leading the movement and nurturing the belief that together; we can improve the lives of Marylanders by ending hunger. This is why we have selected to raise funds and awareness for their organization. We believe no one should go hungry during the COVID-19 pandemic. With school closures, job disruptions, and health risks, millions of Americans will turn to food banks for much-needed support. They can’t do it alone, and you can help. So, we’re now advocating and directing monetary rewards to this very cause.

More Girl Power With Just One Name!

Since 1948, Girls Inc. has gone through many milestones to become the organization that they are today, which supports 85-100 girls a day. This amazing organization supports girls and helps them meet society’s challenges by providing a safe place for them to express their interests and opinions, build relationships with adult mentors, build curricula, join learning activities, and most importantly, thrive.

Providing a Home And A Second Chance

Brooke's House's mission is to inspire and empower women suffering from substance use disorders by providing them a safe, stable, and emotionally supportive living environment while in the early stages of recovery. By providing a home, counseling services, and social enterprises, this incredible organization has been able to help multiple women get a second chance.

Let’s Impact The Lives of Our Local Kids and Young Teens

The Boy Scouts is an internationally recognized program that aims to impact the lives of kids and young teens by targeting comprehensive and all-encompassing skills. We love the work they do and our goal is to provide support to their educational and character-building programs, core life values and encourage healthy lifestyle decisions for little ones.

Karlen & Associates Insurance Services Joins Agents Of Change Movement

Karlen & Associates Insurance Services is dedicated to impacting our community by doing what we can to help others Live Well and Thrive. We are committed to being Agents of Change. Every 90 days we will be identifying a child, family, or group that could use a hand. A great number of people are going through hardship, even as you read this right now. Through our new Community Cause program, we will be doing what we can to help them.

(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

19756 Longmeadow Rd.
Hagerstown, MD 21742

186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702

12978 Garrett Hwy.
Oakland, MD 21550

602 Center St. Ste 107
Mount Airy, MD 21771

3 Hillcrest Dr. Unit A203
Frederick, MD 21703

24 Nationwide Lane,
Berkeley Springs, WV 25411

2433 Hedgesville Rd.
Martinsburg, WV 25403