Gavop's guide to buying homeowners insurance in Allegany 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 | $48,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $142,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $141,000 | $120,000 | $125,000-$150,000 |
| 4 Bedroom | $217,000 | $200,000 | $200,000-$250,000 |
| 5 Bedroom | $237,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $559 |
| Superior Protection Discount | -$65 | $585 |
| Fire & Security Discount | -$71 | $578 |
| Hail Resistant Roof Discount | -$19 | $630 |
| Newly Constructed Home Discount | -$188 | $461 |
| 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 |
| Allegany County | $1,500 | $642 | $2,142 | $467 | $1,967 | $175 |
| Allegany County, MD | $1,000 | $642 | $1,642 | $467 | $1,467 | $175 |
| Cresaptown, MD | $500 | $700 | $1,200 | $509 | $1,009 | $191 |
| Shaft, MD | $400 | $603 | $1,003 | $438 | $838 | $165 |
| Napier, PA | $2,000 | $663 | $2,663 | $482 | $2,482 | $181 |
| Thompson, PA | $400 | $738 | $1,138 | $536 | $936 | $202 |
| Old Fields, WV | $1,000 | $792 | $1,792 | $576 | $1,576 | $217 |
| Mountain Lake Park, MD | $100 | $700 | $800 | $508 | $608 | $191 |
| Stewart, PA | $700 | $687 | $1,387 | $499 | $1,199 | $188 |
| Opequon, VA | $200 | $754 | $954 | $548 | $748 | $206 |
| Cook, PA | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Home Insurance Company Allegany County, MD | Homeowners Insurance Agency Allegany County, MD | Address | Popularity Score | Distance from Allegany County (miles) |
|---|---|---|---|---|
| Erie | A To Z Insurance Services Llc | 10226 Governor Lane Blvd # 4007, Williamsport, MD, 21795 | 47.9 | |
| Travelers | Kmk Insurance Agency | 63 Henderson Ave, Cumberland, MD, 21502 | 4.2 | |
| Erie | Yoder-Hershberger Insurance Llc | 12588 National Pike, Grantsville, MD, 21536 | 22.0 | |
| Travelers | Kmk Insurance Agency | 63 Henderson Avenue, Cumberland, MD, 21502 | 4.2 | |
| State Farm | Cathy Carpenter | 1320 National Hwy, Lavale, MD, 21502-7605 | 7.9 | |
| Erie | Livengood Agency Llc | 721 Park Street, Cumberland, MD, 21502 | 3.8 | |
| Allstate | Workmeister Agency | 139 N Centre St Po Box 410, Cumberland, MD, 21502 | 4.3 | |
| State Farm | Sharon Elbin | 215 N Pennsylvania Ave, Hancock, MD, 21750-1017 | 28.7 | |
| Liberty Mutual Independent | Cbiz Insurance Services | 44 Baltimore St, Cumberland, MD, 21502 | 4.2 | |
| Allstate | Joe Marsh | 90 E Main St, Frostburg, MD, 21532 | 12.3 |
| 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 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Cresaptown, MD | $141,900 | $709 | $560 | $890 | $330 |
| Shaft, MD | $88,000 | $610 | $480 | $770 | $290 |
| Napier, PA | $133,400 | $671 | $480 | $950 | $470 |
| Thompson, PA | $171,800 | $747 | $540 | $1,050 | $510 |
| Old Fields, WV | $139,200 | $802 | $540 | $1,110 | $570 |
| Mountain Lake Park, MD | $141,400 | $708 | $560 | $890 | $330 |
| Stewart, PA | $145,000 | $695 | $470 | $990 | $520 |
| Opequon, VA | $222,900 | $763 | $510 | $1,090 | $580 |
| Cook, PA | $145,100 | $696 | $470 | $950 | $480 |