Bowie Insurance Agency
405 N Mason St, Bowie, TX 76230
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Bowie households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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405 N Mason St, Bowie, TX 76230
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Bowie residents.
Bowie auto insurance guide: MD's 30/60/15 requirements, average costs, and why Prince George's County's high accident rates mean you need better coverage.
Homeowners in Bowie typically pay between $600 and $800 per year for home insurance, which is significantly lower than Maryland's state average of $1,630 to $2,623 annually. Your actual rate depends on your home's age, construction type, claims history, and coverage limits. Homes in Prince George's County generally enjoy lower rates than many other Maryland communities.
No. Maryland law prohibits insurance companies from using your credit score to determine your premium, deny coverage, or cancel your policy. Instead, insurers focus on factors like your claims history, home age, construction type, location, and fire protection class when setting your rate.
While not legally required for most Bowie homeowners, flood insurance is strongly recommended. Bowie experiences localized flooding during spring and summer thunderstorms, particularly in areas like Superior Lane and Annapolis Road. Standard homeowners policies don't cover flood damage at all, so you need a separate flood insurance policy. Even if you're not in a designated flood zone, the relatively low cost of flood insurance makes it worth considering.
Older homes typically cost more to insure because of outdated electrical systems, aging roofs, and older plumbing that present higher risks. If you live in one of Bowie's planned communities from the 1960s or 70s, expect higher premiums than someone in a newer development. However, updating major systems like electrical, plumbing, or roofing can help lower your rate.
Filing a claim will increase your premium. On average, Maryland homeowners see their annual premium jump by $417 after one claim and $769 after two claims compared to those with no claims. This is why many homeowners choose to pay out of pocket for smaller repairs rather than filing claims for minor damage.
Your dwelling coverage should reflect the cost to completely rebuild your home, not its market value or what you owe on your mortgage. With Bowie's median home values around $501,000-$530,000 as of 2025, most homeowners need dwelling coverage in the $300,000-$400,000 range, though this varies based on your home's size, construction quality, and features. An insurance agent can help you calculate the right replacement cost for your specific property.
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