First Insurance Group Of Maryland
101 E Charles St, Ste 302, La Plata, MD 20646
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101 E Charles St, Ste 302, La Plata, MD 20646
View this agency's profile to learn more about their services.
101 Charles St, Ste 302, La Plata, MD 20646
View this agency's profile to learn more about their services.
101 E Charles St, Ste 302, La Plata, MD 20646
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to La Plata residents.
La Plata home insurance guide covering tornado protection, flood coverage, and rates. Learn from the 2002 F4 tornado and get the right coverage today.
General Insurance EducationEssential insurance guide for La Plata residents. Learn about home, auto, and flood coverage after the 2002 tornado. DC commuters: understand multi-state requirements.
Car InsuranceLa Plata auto insurance guide: MD's 30/60/15 minimums, contributory negligence rules, US-301 corridor risks, and how to protect yourself on busy commuter routes.
Yes, standard homeowners insurance policies in Maryland cover tornado damage under wind coverage. This includes structural damage to your home and damage to belongings from tornadoes. However, you may have a separate wind deductible that's higher than your standard deductible, often 1-5% of your dwelling coverage amount rather than a flat $1,000.
Yes, flood insurance is highly recommended even though La Plata isn't a coastal city. Standard home insurance doesn't cover flood damage from heavy rainfall, storm surge, or tropical systems. One in four flood claims comes from moderate-to-low-risk areas, and flood insurance can cost as little as $129 per year for properties in lower-risk zones through the National Flood Insurance Program.
Charles County homeowners typically pay around $1,930 annually for home insurance with $300,000 in dwelling coverage and a $1,000 deductible, though this varies based on your specific home. La Plata's median home value of $413,000 means many residents need higher coverage limits, which increases premiums. Rates can vary significantly between insurance companies, so shopping around is essential.
On April 28, 2002, an F4 tornado struck La Plata, killing 5 people, injuring 122, and causing $115 million in damage. The tornado destroyed 65% of downtown La Plata and damaged or destroyed 860 homes and 194 businesses. It was one of the fastest violent tornadoes on record, traveling 78 miles across Maryland at an average speed of 52 mph and lasting 90 minutes.
Yes, Maryland insurers can cancel or refuse to renew your policy if you file three or more weather-related claims within a three-year period. This makes it important to consider whether smaller losses are worth claiming, as multiple claims could result in losing coverage entirely or facing much higher rates with a new insurer.
Always choose replacement cost coverage for your La Plata home. Replacement cost pays to rebuild at current construction prices, while actual cash value deducts depreciation from payouts. With a 15-year-old roof, actual cash value might pay only $4,000 when replacement costs $20,000. The small premium difference is worth the massive protection gap you avoid.
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