Ashley Insurance LLC
107 S Commerce St, Centreville, MD 21617
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Centreville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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107 S Commerce St, Centreville, MD 21617
View this agency's profile to learn more about their services.
107 S Commerce St, Centreville, MD 21617
View this agency's profile to learn more about their services.
120 W. Water Street, Centreville, MD 21617
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Learn about insurance coverage options specific to Centreville residents.
Centreville home insurance averages $1,945/year. Learn about flood risks, historic home coverage, and Bay-area factors affecting your rates in 2025.
Car InsuranceCentreville, MD auto insurance guide: Maryland's 30/60/15 requirements, Eastern Shore rates averaging $1,749/year, and coverage tips for US-301 drivers.
General Insurance EducationComplete insurance guide for Centreville, Maryland. Learn about Eastern Shore flood risks, auto insurance costs averaging $3,787/year, and how to save.
Maryland homeowners pay an average of $1,945 per year for home insurance, below the national average of $2,601. However, your actual cost depends on factors like your home's age, distance from the Chesapeake Bay, construction type, and coverage limits. Historic homes and properties near water typically pay higher premiums due to increased risk and specialized replacement needs.
Most Centreville homeowners should seriously consider flood insurance. Queen Anne's County has moderate flood risk, with 13% of properties facing greater than 26% chance of severe flooding over 30 years. Standard home insurance doesn't cover flood damage, and the county's low-lying topography, 414 miles of coastline, and rising sea levels make flooding a significant threat. If you have a mortgage and are in a high-risk zone, flood insurance is required.
Historic homes cost more to insure because they require specialized materials, period-appropriate construction methods, and skilled craftsmen for repairs and rebuilding. Hand-hewn beams, custom millwork, and colonial-era architectural features can't be replaced with standard modern materials. You'll need guaranteed or extended replacement cost coverage to ensure adequate protection, which increases premiums but provides essential protection for these unique properties.
Major insurers like State Farm stopped writing new coastal Maryland policies in 2024 due to rising losses from hurricanes, flooding, and climate-related risks. As coastal hazards increase and sea levels rise, insurers are reassessing their exposure in vulnerable areas. This doesn't mean coverage is unavailable, but it does mean homeowners need to shop earlier, compare more carriers, and potentially work with regional insurers familiar with Eastern Shore risks.
Your regular deductible is a fixed dollar amount (like $1,000) that applies to most claims. Hurricane deductibles are percentage-based—typically 1-5% of your dwelling coverage—and only apply to hurricane damage. On a $400,000 home with a 2% hurricane deductible, you'd pay $8,000 out of pocket before coverage begins. Always know your hurricane deductible amount and ensure you have adequate cash reserves to cover it.
For Centreville homeowners, especially those with historic properties or homes near water, an independent agent is often worth it. They represent multiple insurers and can find coverage options as the market tightens. With major carriers pulling back from coastal Maryland, having an agent who knows which companies are still writing policies and understands Eastern Shore risks can save you significant time and potentially money.
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