Service. Value. Peace of Mind
Reliable Insurance Solutions for
When It Matters Most
Protect what matters most with a local agency based in Germantown, MD — proudly serving nearby communities and clients across several states with a commitment to service, trust, and peace of mind.
Welcome to CF Alliance Insurance Services
As a proudly independent, family-owned insurance agency serving Germantown and beyond, we believe insurance should be personal, not transactional. We’re here to help you find the right coverage with real people who care.
For everything from protecting your first car and new home to insuring your growing business and securing your family’s future, our team has you covered. We guide you with clarity, honesty, and heart at every step.
Insurance Services
Coverage That Fits Your Life

Auto Insurance
Stay protected wherever the road takes you — with liability, comprehensive, and specialty plans designed around you.

Home Insurance
Whether you own or rent, we offer flexible protection for your property, belongings, and peace of mind.

Commercial Insurance
Safeguard your business with tailored coverage that supports your growth — from general liability to property, auto, and bonds.

Life Insurance
Secure your family's future with clear, reliable life insurance options that grow with your needs.

Umbrella Insurance
Extra protection when it matters most — expand your coverage beyond standard limits.

Additional Insurance
From condo to bond coverage, we’ve got solutions for life’s extras — all in one place.
Why Clients Choose Us?
Choosing the right insurance agency is about more than finding a policy — it’s about finding people you trust. At CF Alliance Insurance Services, we combine the personal attention of a local, family-run agency with the strength of national insurance carriers. Here’s what sets CF Alliance apart:
- Over 20 years of trusted local service in Germantown and Washington Metropolitan area (DMV) including DC, Northern Vigirina and the surrounding communities.
- Award-winning insurance agents recognized for excellence and reliability
- Independent and family-owned — offering unbiased advice and no sales quotas
- Personalized guidance from a team that answers the phone and knows your name
- Competitive quotes from
A-rated insurance partners you can rely on

Client Testimonials
4.9 Stars from 100+ Happy Clients

James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!What really impressed me was her responsiveness and genuine care—she always follows up promptly and makes sure I feel confident and comfortable with my decisions. It’s clear that she truly puts her clients first.
CF Alliance offers competitive rates, reliable coverage, and outstanding customer service. Knowing that I have both a trusted agent and a solid company behind me gives me great peace of mind.
I highly recommend Jackie Fung and CF Alliance Insurance Services to anyone looking for dependable insurance with personal, top-notch service!"
Eleine
"We had a great experience working with CF Alliance Insurance for both our home and auto insurance needs. From the very beginning, they were knowledgeable, responsive, and genuinely interested in helping us find the best coverage at a reasonable rate.
They took the time to explain all ouroptions clearly and answered every question with patience and professionalism. I especially appreciated how smooth and stress-free the entire process was—from quoting to finalizing the policies.
It’s reassuring to know to have an agent who truly cares about protecting our family and property. We highly recommend John Cabrera to anyone looking for reliable, personalized insurance service."
Phillip
"Excellent service. Other brokers couldn't get coverage for our "high risk" roller skating business, but CF Alliance came through for us"
Roland Fong
"I have been with CF Alliance since 2021. My servicing agent is Jackie Fung. Of all the insurance agents/brokers I have dealt with over the years, Jackie is by far the most proactive, knowledgeable and helpful. She is patient and would go to great lengths to help you understand your insurance coverage/constraints despite her busy schedule. In a heartbeat, I would recommend her to anyone who is in need of a passionate and compassionate insurance professional.
PS - Although we share a similar last name, we are not related in any way."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
Gemma Balbuena
"I have been with CF Alliance since 2006. They have excellent services. Most especially Michelle Apilado. She is always there helping me to find reasonable amounts for car and home insurances. She is very deligent, accommodating and easy to deal with. She acts very quickly in finding cheaper car insurance premium. Overall, I will highly recommend CF Alliance to my friends and relatives."
Yi Yang
"I trust Jackie deeply and would highly recommend her service! Ms. Jackie Fung was the insurance agent for my first car in the U.S., and I've been using her services on and off for about 7-8 years. In this fast-paced, consumer-driven era, she's always been very patient and respectful, providing genuine help, openly sharing information with me, and taking the time to understand my situation to help me choose the best insurance policy."
James Pacha
"I had the pleasure of working with Ms. Michelle Apilado for my insurance needs, and I cannot recommend her highly enough. Michelle is incredibly approachable and made the entire process easy to understand. What truly sets her apart is her availability—she is always willing to answer my questions, no matter how big or small, and she does so promptly. It’s clear that she cares about her clients and go the extra mile to ensure they feel confident and well-informed. I’m grateful to have an agent I can trust and rely on. If you’re looking for someone dependable and knowledgeable, Michelle is one of the best!"
Max Cheng (Max A. Cheng)
"I cannot stress this enough, but Jackie is the best. She's personable and she's knowledgable. She is always available when you need to speak to her. Over the year, I've gotten to know her and I can truly attest to her professionalism and dedication to her job. She really cares about all of her clients!"
Ruoyun Li
"CF Alliance always gives us very professional commercial insurance plans, and we often receive very heartwarming tips of protecting properly the properties in different seasons. Especially after our products were stolen, they reported the loss for us in a timely manner and we received compensation finally. Like and Recommendation."
Loveunder
"Michelle has been helping me for years now & I couldn’t be happier! She made the insurance process a breeze. Friendly, knowledgeable, honest , always patient & ready to tackle all my questions.& concerns. She went up & above to help us. Highly recommended!"
Family-Owned. Community-Focused. Client-Driven.
At CF Alliance, we don’t just sell insurance — we build
long-term relationships rooted in trust and service. As a family-run agency based in Germantown, we’re proud to serve a diverse and loyal community across Maryland and the DMV.
We are deeply rooted in our local and surrounding communities, as well as in Filipino and Taiwanese-Chinese organizations. Our involvement reflects who we are — people who care, give back, and lead with heart. Whether you're calling for a quote or reaching out after years of coverage, you’ll always connect with a team that knows your name and puts your needs first.
Insurance is our business. But people are our purpose.
Areas We Serve
CF Alliance proudly serves clients throughout Maryland, with Germantown as our home base and primary service area. We regularly assist individuals and businesses in Gaithersburg, Montgomery Village, Rockville, North Potomac, Bethesda, Potomac, Olney, Aspen Hill, and Frederick — along with many surrounding communities.
Across state lines, we also serve clients in Herndon and Reston, Virginia, as well as throughout Washington, D.C. In addition to our core DMV region, CF Alliance is licensed to provide insurance solutions in California, Colorado, Texas, and Nevada.
Let’s Talk Insurance
Whether you’re shopping for new coverage or need expert advice, we’re just a call or click away


