Business Insurance Solutions
13501 Wagon Way, Silver Spring, MD 20906
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Silver Spring households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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13501 Wagon Way, Silver Spring, MD 20906
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11301 Amherst Ave, # 202, Silver Spring, MD 20902
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10214 Sutherland Road, Silver Spring, MD 20901
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512 East Randolph Road, Suite L, Silver Spring, MD 20904
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12110 Heritage Park Cir, Silver Spring, MD 20906
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912 Thayer Ave, Suite 202, Silver Spring, MD 20910
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10800 Lockwood Dr, Ste 201A, Silver Spring, MD 20901
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1900 Lyttonsville Road, Apt 1214, Silver Spring, MD 20910
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10770 Columbia Pike, Silver Spring, MD 20901
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14021 Georgia Ave Suite C-2, Silver Spring, MD 20906
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Learn about insurance coverage options specific to Silver Spring residents.
Silver Spring homeowners face unique risks from nor'easters and severe storms. Learn what coverage you need, costs, and how to save on home insurance.
Car InsuranceSilver Spring drivers pay $173/month for full coverage. Learn about Maryland's 30/60/15 minimums, PIP options, and new EUIM benefits. Get smarter coverage.
General Insurance EducationComplete insurance guide for Silver Spring, MD residents. Learn about auto requirements, flood risks, and affordable coverage options in Montgomery County.
Car InsuranceSilver Spring drivers pay $2,363/year on average—$19/mo less than Maryland. Learn how Beltway traffic, Metro use & federal worker discounts affect your rates.
Maryland law doesn't require you to have home insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, going without insurance in Silver Spring is risky given the area's exposure to severe weather, nor'easters, and other hazards that could result in devastating financial losses.
No, standard homeowners insurance policies specifically exclude flood damage. You need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Even if your home isn't in a FEMA high-risk flood zone, localized flooding from overwhelmed storm drains during heavy rain is common enough in Silver Spring that flood coverage is worth considering.
Most Silver Spring homeowners pay between $1,200 and $2,500 annually for home insurance, depending on your home's value, age, condition, coverage limits, and deductible. Homes in downtown Silver Spring with higher property values typically cost more to insure than homes in outlying neighborhoods. Your actual cost will vary based on factors like your credit score, claims history, and available discounts.
Older homes in Silver Spring—especially those built before 1960—often require higher coverage limits due to specialty materials and labor costs for repairs. Insurers will ask about your roof age, electrical system, plumbing, and heating, and may require upgrades to outdated systems before offering coverage. Make sure you have guaranteed replacement cost coverage rather than actual cash value, which depreciates your home's components over time.
Standard policies cover sudden water damage from burst pipes or roof leaks, but you should consider adding sewer and water backup coverage, which protects against damage when drains or sewers back up into your home during heavy rain. This endorsement typically costs $40-100 annually and can save you thousands if Silver Spring's aging sewer infrastructure becomes overwhelmed during severe storms.
Bundle your home and auto insurance for 15-25% savings, install a monitored security system or smart home devices for another 5-20% off, increase your deductible, maintain good credit, and ask about discounts for being claims-free or for home improvements. If you have an older home, upgrading your roof, electrical, or plumbing systems can significantly reduce your premiums while making your home safer.
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