Continental Insurance Agency, Inc.
7421 Washington Blvd, Elkridge, MD 21075
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7421 Washington Blvd, Elkridge, MD 21075
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5871 Washington Blvd, Elkridge, MD 21075
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6095 Marshalee Drive, Ste. 210, Elkridge, MD 21075
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Learn about insurance coverage options specific to Elkridge residents.
Elkridge homeowners pay $1,392/year on average—well below Maryland's average. Learn about flood risks, historic property coverage, and smart ways to save.
General Insurance EducationComplete insurance guide for Elkridge, Maryland residents. Learn about auto requirements, flood zones, homeowners costs, and coverage for the I-95 corridor.
Howard County homeowners pay an average of $1,392 per year for home insurance, which is significantly lower than Maryland's state average of around $1,945 annually. Your actual rate depends on your home's age, construction type, coverage limits, and claims history. Newer homes in planned communities typically cost less to insure than historic properties requiring specialized coverage.
Yes, most Elkridge homeowners should strongly consider flood insurance. Flooding is Maryland's number one natural hazard, and standard homeowners policies provide zero flood coverage. With Elkridge's proximity to the Patapsco River and recent severe rainfall events in neighboring Ellicott City, flood risk is real and increasing. If you're in a designated flood zone and have a mortgage, your lender will require it.
Historic homes in areas like Lawyers Hill Historic District or near Elkridge Landing often require specialized coverage. These properties may feature unique construction materials, hand-crafted elements, and architectural details that cost significantly more to replace than standard building materials. Many insurers offer policies specifically designed for historic properties that account for higher replacement costs and specialized restoration requirements.
No. Maryland law explicitly prohibits insurers from reviewing your credit history when pricing homeowners insurance or deciding whether to issue, cancel, or renew a policy. Your premium is based solely on property-related factors like your home's age, location, construction type, coverage amounts, and claims history—not your financial history.
Common discounts include bundling home and auto insurance with the same company, installing security or fire alarm systems, maintaining a claims-free history, and upgrading your roof or major systems like electrical or plumbing. Some insurers offer discounts for new home purchases or recently renovated properties, which is particularly relevant in Elkridge's rapidly developing neighborhoods.
Absolutely. While Elkridge's median home prices dropped to $385,000 in late 2025, your insurance coverage should reflect replacement cost—what it would cost to rebuild—not market value. Construction costs for materials and labor fluctuate independently of home sale prices. Review your policy annually to ensure your dwelling coverage and personal property limits keep pace with actual costs to rebuild and replace.
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