Beck Marine Insurance
1004A Harbor Drive, Annapolis, MD 21409
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1004A Harbor Drive, Annapolis, MD 21409
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166 West Street, Annapolis, MD 21401
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1910 Towne Centre Blvd, Suite 250, Annapolis, MD 21401
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147 Old Solomons Island Road, Suite 200, Annapolis, MD 21401
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105 Eastern Ave, Suite 204, Annapolis, MD 21403
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133 Defense Highway, Suite 214, Annapolis, MD 21401
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807 Skippers Ln, Annapolis, MD 21401
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Learn about insurance coverage options specific to Annapolis residents.
Protect your Annapolis home from floods, storms, and coastal risks. Get expert guidance on rates, flood insurance, and coverage for historic properties.
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General Insurance EducationFind trusted insurance agents in Annapolis specializing in waterfront, flood, and historic property coverage. Get expert guidance for Maryland's capital.
Yes, you should strongly consider it. About 25% of flood insurance claims come from moderate-to-low risk areas, and Annapolis faces increasing tidal flooding and heavy rainfall events. Standard homeowners insurance doesn't cover any external flooding, so even one incident could cost you tens of thousands out of pocket. Flood insurance is relatively affordable outside high-risk zones and provides essential protection for a waterfront community.
The average homeowner in Anne Arundel County pays between $1,500 and $2,500 annually for standard home insurance, though waterfront properties and historic homes often pay significantly more. Your specific rate depends on your home's age, construction type, proximity to water, coverage limits, and deductible choices. Flood insurance adds another $400-$2,000+ per year depending on your flood zone and elevation.
Historic homes typically need guaranteed or extended replacement cost coverage because rebuilding with period-appropriate materials and methods costs far more than standard construction. You may also want ordinance or law coverage, which pays for upgrades required by current building codes when you rebuild. Some insurers specialize in historic properties and understand the unique reconstruction costs involved with Colonial-era architecture.
Standard policies cover wind damage from hurricanes and tropical storms, but they don't cover flooding from storm surge or heavy rain. You'll need separate flood insurance for that. Some insurers impose higher deductibles for named storms or hurricanes, sometimes 2-5% of your dwelling coverage instead of the standard flat deductible. Review your policy's wind/hail deductible and consider whether you can afford it if a major storm hits.
Yes, many insurers offer discounts for wind mitigation features like impact-resistant roofing, storm shutters, reinforced garage doors, and hurricane straps. These improvements reduce your risk of wind damage during coastal storms and nor'easters. The discount varies by insurer but can range from 5-20% depending on the extent of your upgrades. Ask your agent which specific improvements qualify for credits.
The National Flood Insurance Program is government-backed with standardized coverage limits ($250,000 dwelling, $100,000 contents) and rates based on flood maps. Private flood insurance from commercial insurers often offers higher coverage limits, potentially lower rates for low-risk properties, and more flexible terms. For expensive Annapolis waterfront homes, private flood insurance might provide better value and more complete protection than NFIP alone.
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