Henry's Insurance Agency
7500 Marlboro Pike, District Heights, MD 20747
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District Heights households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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7500 Marlboro Pike, District Heights, MD 20747
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2120 Harwood Rd, District Heights, MD 20747
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9701 Apollo Dr, # 100, District Heights, MD 20747
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7361 Calhoun Place, #690, District Heights, MD 20747
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Learn about insurance coverage options specific to District Heights residents.
Complete insurance guide for District Heights, MD. Learn about auto and home insurance rates, Maryland requirements, local risk factors, and finding agents.
Home InsuranceDistrict Heights home insurance averages $1,630/year. Learn about coverage for 1960s-70s homes, flood risks, and how to save on rates in Prince George's County.
Car InsuranceLearn Maryland's 30/60/15 requirements, why Prince George's County rates are higher, and how to find affordable coverage in District Heights.
Maryland requires 30/60/15 liability coverage ($30,000 per person, $60,000 per accident for bodily injury, $15,000 for property damage), uninsured motorist coverage at the same limits, uninsured motorist property damage (UMPD), and $2,500 in personal injury protection (PIP). All registered vehicles must maintain insurance at all times.
District Heights residents typically pay $150-$189 per month for full coverage auto insurance, or about $86-$89 monthly for minimum coverage. Rates vary based on your driving record, credit score, vehicle type, and specific location within the city, with higher crime areas generally seeing higher premiums.
District Heights has a crime rate of 30 per 1,000 residents and a vehicle theft rate of 1 in 83, both significantly higher than state averages. Insurance companies factor these statistics into their pricing, as higher crime rates correlate with more claims. The city's proximity to Washington, D.C. and urban traffic patterns also contribute to higher rates.
Standard homeowners policies don't cover flood damage, and District Heights faces moderate storm event risks. Even if you're not in a mapped flood zone, consider purchasing flood insurance through the National Flood Insurance Program or a private carrier. Your mortgage lender may require it if your property is in a designated flood zone.
Yes, the minimum 30/60/15 liability limits can be exhausted quickly in a serious accident, leaving you personally liable for remaining costs. Most insurance professionals recommend at least 100/300/100 coverage if you have assets to protect, and higher limits cost relatively little more than minimum coverage.
Bundle your auto and home insurance for 15-25% savings, maintain a clean driving record, ask about low-mileage discounts if you drive less than 10,000 miles annually, install security systems for home insurance discounts, and shop rates with multiple carriers every year or two. Independent agents can help you find the best rates across multiple insurers.
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