Gavop's guide to buying homeowners insurance in Garrett County, MD covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Garrett County, MD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Park Pl, Church St, Dixon St, Orchard St, Hazelhurst Ter, N Park Rd, Cemetery Rd, Durst Ln, Wagner Rd, Dawson Ave | $279,000 | $250,000 | $300,000-$350,000 | $148,000 | $120,000 | $150,000-$175,000 |
| Rock Ridge Ln, N Old Shade Hollow Rd, N Wilson St, 4h Camp Rd, Moonridge Ln, Mingo Ave, Seneca Ave, Lef Ln, Locust Ln, Schell Rd | $260,500 | $220,000 | $250,000-$300,000 | $155,500 | $130,000 | $175,000-$200,000 |
| Selby Rd, Holy Cross Dr, C St, Fern Gully Rd, Accident Bittinger Rd, New Germany Rd, George Washington Hwy, Mayhew Inn Manor Ln, Hill St, Zeddock Miller Rd | $183,000 | $170,000 | $125,000-$150,000 | $149,000 | $130,000 | $125,000-$150,000 |
| Paul St, White Church Steyer Rd, Landmark Dr, Wilhelm Ln, Trailside Way, Sangamore Dr, Steyer Mine Rd, Stockslager Rd, Valley View Dr, Oak Hill Ln | $169,500 | $140,000 | $125,000-$150,000 | $148,500 | $130,000 | $150,000-$175,000 |
| Sky View Dr, Main St Exd, Deer Park Hotel Rd, M St, White Rock Rd, Yough View Dr, State Hwy 560, Old Selbysport Rd, Mosser Rd, E Oak St | $183,500 | $170,000 | $175,000-$200,000 | $130,000 | $110,000 | $100,000-$125,000 |
| Christopher Way, Mt Aetna Rd, Paradise Point Rd, Paradise Dr, Mountain Top Rd, Jobe Ln, Emma Ln, Bear Dr W, Zehner Rd, Old River Rd | $214,000 | $190,000 | $200,000-$250,000 | $210,000 | $190,000 | $175,000-$200,000 |
| Dave Turney St, Parkside Ct S, Tomar Dr, Eagle Rock Rd, E 1st Ave, Candle Tree Ln, Glendale Rd, Sanders Ln, Baltimore Ave, Turkey Neck Rd | $169,000 | $160,000 | $125,000-$150,000 | $122,000 | $110,000 | $125,000-$150,000 |
| Hartwood Dr, Weaver Rd, Jeffrey Ln, Blue Goose Rd, Oakland Sang Run Rd, Grant St, Moonlight Dr, Mansfield Rd, Trent's Ln, Alexander Ln | $159,500 | $140,000 | $150,000-$175,000 | $181,000 | $170,000 | $150,000-$175,000 |
| Jay Rd, Shade Hollow Rd, Sam Eastman Rd, Spruce Ln, Linz Ln, Glade Rd, Guthrie Ln, Memorial Dr, N Camp Rd, Hare Hollow Rd | $196,000 | $160,000 | $150,000-$175,000 | $111,000 | $100,000 | $100,000-$125,000 |
| E Omar St, Jakes Dr, Woodland Dr, Lake Pointe Dr, Railcar Ln, E Pennington St, Trap Run Rd, Carmel Cove Dr, Beechnut Ln, E 2nd Ave | $141,000 | $110,000 | $100,000-$125,000 | $198,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $628 |
| Superior Protection Discount | -$66 | $665 |
| Fire & Security Discount | -$58 | $672 |
| Hail Resistant Roof Discount | -$15 | $716 |
| Newly Constructed Home Discount | -$153 | $577 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Garrett County | $2,500 | $722 | $3,222 | $524 | $3,024 | $197 |
| Garrett County, MD | $1,000 | $722 | $1,722 | $524 | $1,524 | $197 |
| Crellin, MD | $200 | $738 | $938 | $536 | $736 | $202 |
| Dawson, MD | $1,000 | $720 | $1,720 | $523 | $1,523 | $197 |
| Finzel, MD | $300 | $765 | $1,065 | $556 | $856 | $209 |
| Casselman, PA | $1,500 | $471 | $1,971 | $342 | $1,842 | $129 |
| Lincoln, PA | $400 | $657 | $1,057 | $477 | $877 | $180 |
| Harman, WV | $1,500 | $638 | $2,138 | $464 | $1,964 | $174 |
| Fairmont, WV | $400 | $656 | $1,056 | $477 | $877 | $179 |
| Rices Landing, PA | $2,000 | $613 | $2,613 | $445 | $2,445 | $167 |
| Pleasant Valley, WV | $200 | $799 | $999 | $581 | $781 | $218 |
| Whiteley, PA | $2,500 | $734 | $3,234 | $533 | $3,033 | $201 |
| Home Insurance Company Garrett County, MD | Homeowners Insurance Agency Garrett County, MD | Address | Popularity Score | Distance from Garrett County (miles) |
|---|---|---|---|---|
| Travelers | Kmk Insurance Agency | 63 Henderson Ave, Cumberland, MD, 21502 | 28.5 | |
| Erie | Yoder-Hershberger Insurance Llc | 12588 National Pike, Grantsville, MD, 21536 | 13.8 | |
| Travelers | Kmk Insurance Agency | 63 Henderson Avenue, Cumberland, MD, 21502 | 28.5 | |
| State Farm | Cathy Carpenter | 1320 National Hwy, Lavale, MD, 21502-7605 | 23.6 | |
| Erie | Livengood Agency Llc | 721 Park Street, Cumberland, MD, 21502 | 28.4 | |
| Allstate | Workmeister Agency | 139 N Centre St Po Box 410, Cumberland, MD, 21502 | 28.3 | |
| Liberty Mutual Independent | Cbiz Insurance Services | 44 Baltimore St, Cumberland, MD, 21502 | 28.2 | |
| Allstate | Joe Marsh | 90 E Main St, Frostburg, MD, 21532 | 20.1 | |
| State Farm | Denny Delaney | 233 E Main St, Frostburg, MD, 21532-1941 | 20.3 | |
| Allstate | Joseph Marsh | 75 Greene St, Cumberland, MD, 21502 | 28.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maryland | $296,500 | $1,008 | $800 | $1,270 | $470 |
| Garrett County, MD | $167,100 | $730 | $580 | $920 | $340 |
| Garrett County, MD | $167,100 | $730 | $580 | $920 | $340 |
| Crellin, MD | $163,500 | $747 | $590 | $940 | $350 |
| Dawson, MD | $153,100 | $729 | $580 | $920 | $340 |
| Finzel, MD | $178,900 | $774 | $610 | $980 | $370 |
| Casselman, PA | $58,300 | $477 | $320 | $680 | $360 |
| Lincoln, PA | $130,500 | $665 | $490 | $940 | $450 |
| Harman, WV | $89,400 | $646 | $430 | $890 | $460 |
| Fairmont, WV | $109,300 | $664 | $460 | $920 | $460 |
| Rices Landing, PA | $110,600 | $620 | $440 | $870 | $430 |
| Pleasant Valley, WV | $142,100 | $809 | $550 | $1,150 | $600 |
| Whiteley, PA | $169,400 | $743 | $510 | $1,060 | $550 |