Gavop's guide to buying homeowners insurance in Lochearn, 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 | $62,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $201,500 | $190,000 | $175,000-$200,000 |
| 3 Bedroom | $269,500 | $230,000 | $300,000-$350,000 |
| 4 Bedroom | $354,000 | $320,000 | $350,000-$400,000 |
| 5 Bedroom | $451,500 | $410,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $613 |
| Home and Two Car | -$115 | $559 |
| Home and Three Car | -$155 | $519 |
| 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 |
| Baltimore County | $2,500 | $858 | $3,358 | $624 | $3,124 | $235 |
| Lochearn, MD | $1,500 | $666 | $2,166 | $484 | $1,984 | $182 |
| Beltsville, MD | $100 | $799 | $899 | $581 | $681 | $218 |
| Hyattsville, MD | $2,000 | $822 | $2,822 | $597 | $2,597 | $225 |
| Walker Mill, MD | $400 | $719 | $1,119 | $522 | $922 | $196 |
| Silver Hill, MD | $2,500 | $696 | $3,196 | $506 | $3,006 | $190 |
| Dallastown, PA | $200 | $649 | $849 | $472 | $672 | $177 |
| Tyler Run, PA | $2,000 | $790 | $2,790 | $574 | $2,574 | $216 |
| Hunterstown, PA | $100 | $667 | $767 | $485 | $585 | $182 |
| Annandale, VA | $1,500 | $1,290 | $2,790 | $938 | $2,438 | $353 |
| Biglerville, PA | $300 | $736 | $1,036 | $535 | $835 | $201 |
| Home Insurance Company Lochearn, MD | Homeowners Insurance Agency Lochearn, MD | Address | Popularity Score | Distance from Lochearn (miles) |
|---|---|---|---|---|
| State Farm | Andrea Magers | 3600 Saint Johns Ln, Ellicott City, MD, 21042-5247 | 7.5 | |
| Nationwide | Bowerman Insurance & Financial Inc. | 1057 Rockville Pike, Rockville, MD, 20852-1403 | 28.9 | |
| State Farm | Kalin Wynn | 724 York Rd Fl 1 # North, Towson, MD, 21204-2399 | 7.6 | |
| State Farm | Lynn Vannatta | 1055 Taylor Ave Ste 112, Baltimore, MD, 21286-8332 | 8.6 | |
| State Farm | Chad May | 2234 Rock Spring Rd, Forest Hill, MD, 21050-1602 | 24.2 | |
| Travelers | Atlantic Insurance Group Llc | 2331 York Rd Ste 301, Timonium, MD, 21093 | 8.8 | |
| Travelers | Ananiah Llc | 3842 Sandy Hook Rd, Randallstown, MD, 21133 | 5.1 | |
| Erie | Insurance Partners Llc | 32 West Road Suite 200b, Towson, MD, 21204 | 7.5 | |
| Erie | Patapsco Insurance Group Llc | 1701 Edmondson Avenue Suite 204, Catonsville, MD, 21228 | 5.3 | |
| Farmers | Theophilus Oladipo | 600 Red Brook Blvd Ste 200, Owings Mills, MD, 21117 | 6.2 |
| 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 |
| Baltimore County, MD | $249,600 | $869 | $690 | $1,090 | $400 |
| Lochearn, MD | $195,200 | $674 | $530 | $850 | $320 |
| Beltsville, MD | $276,900 | $809 | $640 | $1,020 | $380 |
| Hyattsville, MD | $289,000 | $832 | $660 | $1,050 | $390 |
| Walker Mill, MD | $230,000 | $727 | $570 | $920 | $350 |
| Silver Hill, MD | $169,700 | $705 | $560 | $890 | $330 |
| Dallastown, PA | $126,600 | $657 | $470 | $930 | $460 |
| Tyler Run, PA | $200,500 | $800 | $540 | $1,130 | $590 |
| Hunterstown, PA | $135,200 | $675 | $490 | $960 | $470 |
| Annandale, VA | $462,800 | $1,306 | $870 | $1,850 | $980 |
| Biglerville, PA | $170,600 | $745 | $510 | $1,070 | $560 |