Gavop's guide to buying homeowners insurance in Harford 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $76,000 | $70,000 | $50,000-$75,000 |
| 2 Bedroom | $124,000 | $100,000 | $125,000-$150,000 |
| 3 Bedroom | $194,500 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $295,500 | $240,000 | $300,000-$350,000 |
| 5 Bedroom | $422,500 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$168 | $766 |
| Superior Protection Discount | -$84 | $850 |
| Fire & Security Discount | -$103 | $831 |
| Hail Resistant Roof Discount | -$19 | $915 |
| Newly Constructed Home Discount | -$205 | $729 |
| 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 |
| Harford County | $1,500 | $923 | $2,423 | $671 | $2,171 | $252 |
| Harford County, MD | $2,500 | $923 | $3,423 | $671 | $3,171 | $252 |
| Fallston, MD | $100 | $866 | $966 | $629 | $729 | $237 |
| Delta, PA | $2,500 | $704 | $3,204 | $512 | $3,012 | $193 |
| Lower Oxford, PA | $200 | $738 | $938 | $536 | $736 | $202 |
| Ellicott City, MD | $2,000 | $1,345 | $3,345 | $978 | $2,978 | $368 |
| Leola, PA | $400 | $681 | $1,081 | $495 | $895 | $186 |
| Midway, PA | $2,000 | $713 | $2,713 | $518 | $2,518 | $195 |
| Thorndale, PA | $100 | $825 | $925 | $600 | $700 | $225 |
| Birmingham, PA | $2,500 | $1,932 | $4,432 | $1,404 | $3,904 | $528 |
| Mount Joy, PA | $400 | $672 | $1,072 | $489 | $889 | $184 |
| Exton, PA | $700 | $1,016 | $1,716 | $738 | $1,438 | $278 |
| Home Insurance Company Harford County, MD | Homeowners Insurance Agency Harford County, MD | Address | Popularity Score | Distance from Harford County (miles) |
|---|---|---|---|---|
| State Farm | Natasha Parker | 617 Aa Stemmers Run Rd, Baltimore, MD, 21221 | 17.0 | |
| Travelers | Aag Insurance Enterprises Inc | 438 S Main St, Bel Air, MD, 21014 | 2.4 | |
| State Farm | Paul Funk | 307 Frederick Rd, Catonsville, MD, 21228-4620 | 29.2 | |
| Nationwide | Rick Gerety & Assoc Inc | 406 N Hickory Ave, Bel Air, MD, 21014-3227 | 2.7 | |
| Nationwide | Marion Miller & Associates | 5 South Hickory Ave, Bel Air, MD, 21014 | 2.6 | |
| Allstate | Akin Adesanya | 9433 Common Brook Rd Ste 100, Owings Mills, MD, 21117 | 28.5 | |
| Travelers | Aag Insurance Enterprises Inc | 438 S Main Street, Bel Air, MD, 21014 | 2.4 | |
| State Farm | Chad May | 2234 Rock Spring Rd, Forest Hill, MD, 21050-1602 | 5.5 | |
| State Farm | Steve Masciarelli | 133 Defense Highway, Annapolis, MD, 21401-7098 | 40.4 | |
| Travelers | Mcdole Edge Corporation | 2977b Manchester Road, Manchester, MD, 21102 | 32.7 |
| 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 |
| Harford County, MD | $281,400 | $934 | $740 | $1,180 | $440 |
| Harford County, MD | $281,400 | $934 | $740 | $1,180 | $440 |
| Fallston, MD | $374,000 | $877 | $690 | $1,100 | $410 |
| Delta, PA | $153,600 | $713 | $510 | $990 | $480 |
| Lower Oxford, PA | $248,500 | $747 | $550 | $1,050 | $500 |
| Ellicott City, MD | $522,700 | $1,362 | $1,080 | $1,720 | $640 |
| Leola, PA | $212,100 | $690 | $480 | $950 | $470 |
| Midway, PA | $158,600 | $722 | $490 | $1,000 | $510 |
| Thorndale, PA | $219,800 | $835 | $610 | $1,180 | $570 |
| Birmingham, PA | $557,800 | $1,955 | $1,350 | $2,760 | $1,410 |
| Mount Joy, PA | $206,100 | $680 | $490 | $970 | $480 |
| Exton, PA | $310,300 | $1,028 | $740 | $1,460 | $720 |