Castillo Insurance, LLC
4737 Sellman Rd, Beltsville, MD 20705
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4737 Sellman Rd, Beltsville, MD 20705
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5000 Sunnyside Avenue, Suite 200, Beltsville, MD 20705
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11720 Beltsville Drive Suite 500-A45, Beltsville, MD 20705
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Learn about insurance coverage options specific to Beltsville residents.
Beltsville home insurance averages $1,630-$1,945/year. Learn about weather risks, flood coverage, and how to save on Prince George's County policies.
Car InsuranceGet affordable auto insurance in Beltsville, Maryland. Learn about state minimums, I-495 traffic risks, and how Prince George's County rates affect your coverage.
General Insurance EducationComplete insurance guide for Beltsville, Maryland residents. Learn about auto, home, and renters insurance costs, federal employee discounts, and money-saving tips.
Home insurance in Beltsville typically costs between $1,630 and $1,945 per year, which is below the national average of about $2,601. Your actual rate depends on your home's age, condition, coverage limits, deductible, and claims history. With Maryland rates increasing 26.3% since 2023, shopping around with multiple insurers is essential to find the best price.
While not legally required unless you have a federally-backed mortgage in a high-risk flood zone, flood insurance is worth considering for all Beltsville homeowners. About 25% of flood claims come from moderate-to-low risk areas, and standard homeowners policies don't cover flood damage. Check Prince George's County flood maps and consider coverage even if you're not in a designated floodplain, as severe storms can overwhelm drainage systems.
Yes, it can. Maryland law allows insurers to consider three or more weather-related claims within a three-year period when making underwriting decisions. Even one claim can lead to higher premiums at renewal. If you have a claim that's only slightly above your deductible, consider paying out of pocket to avoid creating a claims history that could cost you more in the long run.
Updating your roof, electrical system, plumbing, and HVAC can significantly reduce premiums, especially in Beltsville's established neighborhoods with older homes. Installing a home security system, storm shutters, or impact-resistant roofing materials may also qualify for discounts. Many insurers offer reduced rates for homes with modernized systems because they pose less risk of claims.
The USDA Beltsville Agricultural Research Center itself doesn't directly impact your insurance rates, but it does contribute to Beltsville's stable, established community character. Insurers generally favor predictable suburban neighborhoods with steady employment like you'll find near the research campus. However, your home's individual characteristics—age, condition, and proximity to fire hydrants—matter more than the neighborhood landmark.
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