Gavop's guide to buying homeowners insurance in Charles 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$240 | $721 |
| 30 year old | +$14 | $976 |
| 40 year old | +$25 | $987 |
| 50 year old | +$37 | $998 |
| Above 50 year old | +$46 | $1,008 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $798 |
| Superior Protection Discount | -$87 | $875 |
| Fire & Security Discount | -$106 | $856 |
| Hail Resistant Roof Discount | -$29 | $933 |
| Newly Constructed Home Discount | -$279 | $683 |
| 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 |
| Charles County | $700 | $950 | $1,650 | $691 | $1,391 | $260 |
| Charles County, MD | $2,500 | $950 | $3,450 | $691 | $3,191 | $260 |
| Quantico, VA | $500 | $844 | $1,344 | $613 | $1,113 | $231 |
| Kingstowne, VA | $2,500 | $1,006 | $3,506 | $731 | $3,231 | $275 |
| Stafford County, VA | $400 | $986 | $1,386 | $717 | $1,117 | $270 |
| Bailey's Crossroads, VA | $1,000 | $891 | $1,891 | $647 | $1,647 | $243 |
| Marlboro Meadows, MD | $400 | $909 | $1,309 | $661 | $1,061 | $248 |
| Dunn Loring, VA | $2,500 | $1,125 | $3,625 | $818 | $3,318 | $308 |
| Bethesda, MD | $400 | $983 | $1,383 | $714 | $1,114 | $269 |
| Glenn Dale, MD | $700 | $894 | $1,594 | $650 | $1,350 | $244 |
| Dulles, VA | $200 | $1,466 | $1,666 | $1,066 | $1,266 | $401 |
| Arnold, MD | $700 | $1,013 | $1,713 | $736 | $1,436 | $277 |
| Home Insurance Company Charles County, MD | Homeowners Insurance Agency Charles County, MD | Address | Popularity Score | Distance from Charles County (miles) |
|---|---|---|---|---|
| Allstate | Bill Waugh & Associates | 3141 Old Washington Rd, Waldorf, MD, 20602 | 11.9 | |
| Travelers | Jack Martin Insurance Advisors | 111 Forbes St, Annapolis, MD, 21401 | 45.0 | |
| Travelers | Coughlan Insurance Agency Inc | 10214 Sutherland Rd, Silver Spring, MD, 20901 | 38.1 | |
| State Farm | Ken Lemmert | 16004 Crain Hwy Unit C, Brandywine, MD, 20613-8046 | 15.6 | |
| State Farm | Jane Staples | 173 Saint Patricks Dr Ste 101, Waldorf, MD, 20603-5530 | 11.2 | |
| Nationwide | John L Sprague | 6529 Crain Highway, La Plata, MD, 20646-0003 | 4.5 | |
| Allstate | Ron Ziegel | 3720 Farragut Ave # 100, Kensington, MD, 20895 | 38.7 | |
| State Farm | Woody Hoyle | 102 Paul Mellon Ct Ste 105, Waldorf, MD, 20602-2795 | 11.5 | |
| Farmers | Joshua Fitzpatrick | 312 Main St Ste 50, Gaithersburg, MD, 20878 | 46.4 | |
| State Farm | Greg Conklin | 6231 Crain Hwy, La Plata, MD, 20646-4266 | 4.9 |
| 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 |
| Charles County, MD | $294,000 | $962 | $760 | $1,210 | $450 |
| Charles County, MD | $294,000 | $962 | $760 | $1,210 | $450 |
| Quantico, VA | $191,700 | $854 | $610 | $1,180 | $570 |
| Kingstowne, VA | $459,100 | $1,018 | $730 | $1,410 | $680 |
| Stafford County, VA | $327,600 | $998 | $710 | $1,430 | $720 |
| Bailey's Crossroads, VA | $348,000 | $901 | $600 | $1,290 | $690 |
| Marlboro Meadows, MD | $257,100 | $920 | $730 | $1,160 | $430 |
| Dunn Loring, VA | $710,700 | $1,139 | $770 | $1,610 | $840 |
| Bethesda, MD | $877,300 | $995 | $790 | $1,250 | $460 |
| Glenn Dale, MD | $385,100 | $905 | $720 | $1,140 | $420 |
| Dulles, VA | $495,100 | $1,484 | $1,020 | $2,050 | $1,030 |
| Arnold, MD | $427,000 | $1,025 | $810 | $1,290 | $480 |