Church Insurance Partnership
4601 Presidents Dr, Suite 130, Lanham, MD 20706
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Lanham households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4601 Presidents Dr, Suite 130, Lanham, MD 20706
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8855 Annapolis Rd, Suite 200, Lanham, MD 20706
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8855 Annapolis Rd, Suite 350, Lanham, MD 20706
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7726 Finns Lane, Lanham, MD 20706
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5900 Princess Garden Pkwy, Ste 210, Lanham, MD 20706
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4500 Forbes Blvd, Ste 200, Lanham, MD 20706
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9310 Lanham Severn Rd, Lanham, MD 20706
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7375 Executive Place, Suite 300, Lanham, MD 20706
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Learn about insurance coverage options specific to Lanham residents.
Lanham home insurance averages $1,630/year. Learn about winter weather risks, coverage options, and how to protect your Prince George's County home.
Car InsuranceLanham drivers need more than Maryland's 30/60/15 minimums. Learn how Capital Beltway traffic affects your rates and what coverage actually protects you.
General Insurance EducationComplete insurance guide for Lanham, MD residents. Compare auto, home, and life insurance rates in Prince George's County. Save money with local insights.
Home insurance in Lanham typically costs around $1,630 per year on average, which is below the national average. However, your actual premium depends on factors like your home's age, value, condition, coverage limits, and deductible. Rates have increased about 25% from 2021 to 2024, so it's worth shopping around with multiple insurers to find the best rate.
Standard home insurance policies typically cover damage from snow and ice, including roof damage from snow load and water damage from ice dams. However, damage resulting from poor maintenance like clogged gutters may be denied. Flood damage from snowmelt requires a separate flood insurance policy and isn't covered by standard homeowners insurance.
Market value is what your home would sell for today, currently around $422,300 median in Lanham. Replacement cost is what it would actually cost to rebuild your home from the ground up if it were destroyed. Due to construction costs and labor, replacement cost can sometimes exceed market value, which is why your insurance coverage limits should be based on replacement cost, not market value.
Even if you're not in a high-risk flood zone, flood insurance is worth considering in Lanham. Standard home insurance doesn't cover flooding from heavy rain or snowmelt, which can occur during Maryland's winter and spring weather. Flood insurance is available through the National Flood Insurance Program or private insurers and is relatively affordable outside high-risk zones.
The best prevention is ensuring proper attic insulation and ventilation to minimize heat loss that melts roof snow. Clean your gutters and downspouts before winter so melting snow can drain properly. Consider installing heat cables along roof edges in problem areas. During winter, watch for warning signs like thick icicles or uneven snow melting patterns on your roof.
Common discounts include bundling home and auto insurance (15-25% savings), claims-free discounts for several years without filing claims, home security system discounts, and newer roof discounts. You may also get discounts for being a long-term customer, installing storm shutters, upgrading electrical or plumbing systems, or increasing your deductible.
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