Gavop shows you how to buy homeowners insurance in Ocean City, MD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Ocean City, MD - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Dolphin, Shipwreck Rd, Bay Overlook Ln, Bayview Ln, 61st St, Corner Store Ln, 62nd St, Bayshore Ct, Fountain Dr W, 73rd St | $159,500 | $150,000 | $175,000-$200,000 | $298,500 | $240,000 | $300,000-$350,000 |
| 65th St, 122nd St, 69th St, Pine Needle Rd, 132nd St, 18th St, Gull Way, N Ocean Rd, Osprey Rd, S Pacific Ave | $172,500 | $160,000 | $175,000-$200,000 | $224,500 | $190,000 | $175,000-$200,000 |
| Clam Shell Rd, 68th St, 12th St, 120th St, Hurricane Ave, Coastal Hwy, 39th St, State Hwy 528, Eagle Dr, Pacific Ave | $291,000 | $260,000 | $250,000-$300,000 | $318,000 | $280,000 | $300,000-$350,000 |
| Mallard Ln, 76th St, 78th St, Hidden Cove Way, Dukes Ave, 89th St, 42nd St, 45th St, 30th St, Melson Ave | $146,500 | $120,000 | $150,000-$175,000 | $269,500 | $250,000 | $250,000-$300,000 |
| 90th St, Tunnel Ave, Canal Side Mews E, 127th St, Mediterranean Dr, Bayview Edgewater Ave, Skipjack Ln, Nautical Dr, Bennett Rd, 41st St | $302,000 | $280,000 | $300,000-$350,000 | $319,500 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $685 |
| Superior Protection Discount | -$83 | $751 |
| Fire & Security Discount | -$67 | $768 |
| Hail Resistant Roof Discount | -$25 | $810 |
| Newly Constructed Home Discount | -$184 | $651 |
| 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 |
| Worcester County | $2,500 | $863 | $3,363 | $627 | $3,127 | $236 |
| Ocean City, MD | $1,500 | $825 | $2,325 | $600 | $2,100 | $225 |
| Laurel, DE | $200 | $574 | $774 | $417 | $617 | $157 |
| Cape May Point, NJ | $700 | $2,159 | $2,859 | $1,569 | $2,269 | $590 |
| Mardela Springs, MD | $400 | $717 | $1,117 | $521 | $921 | $196 |
| West Cape May, NJ | $2,500 | $1,566 | $4,066 | $1,138 | $3,638 | $428 |
| Greenwood, DE | $100 | $599 | $699 | $435 | $535 | $164 |
| Milford, DE | $2,000 | $595 | $2,595 | $433 | $2,433 | $163 |
| North Cape May, NJ | $100 | $889 | $989 | $646 | $746 | $243 |
| Lower, NJ | $1,000 | $767 | $1,767 | $557 | $1,557 | $210 |
| Cape May Court House, NJ | $1,000 | $966 | $1,966 | $702 | $1,702 | $264 |
| Home Insurance Company Ocean City, MD | Homeowners Insurance Agency Ocean City, MD | Address | Popularity Score | Distance from Ocean City (miles) |
|---|---|---|---|---|
| State Farm | Jeff Marshall | 30437 Mount Vernon Rd, Princess Anne, MD, 21853-1437 | 36.8 | |
| Allstate | Gary K. Marshall Insurance Agency | 12610 Somerset Ave., Princess Anne, MD, 21853 | 36.2 | |
| Nationwide | Whitten Insurance Agency Llc | 319 Bloomingdale Ave, Federalsburg, MD, 21632-1727 | 43.9 | |
| State Farm | Anthony Dipietro | 246 Tilghman Rd, Salisbury, MD, 21804-1921 | 26.3 | |
| State Farm | Tom Prunty | 1131 S Salisbury Blvd Ste A2, Salisbury, MD, 21801-6812 | 29.5 | |
| Travelers | Gondeck Insurance Agency | 8543 Legion Rd, Denton, MD, 21629 | 49.4 | |
| Allstate | Beth Gismondi | 9927 Stephen Decatur Hwy Ste 12, Ocean City, MD, 21842 | 5.6 | |
| Travelers | Mann & Gray Insurance Associates Llc | 100 S Camden Ave, Fruitland, MD, 21826 | 30.8 | |
| State Farm | Claudia Nicholls | 29 Broad St Ste 103, Berlin, MD, 21811-1053 | 10.1 | |
| Allstate | Associated Insurance Centers | 2412 Bypass Rd, Pocomoke City, MD, 21851 | 34.3 |
| 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 |
| Worcester County, MD | $252,100 | $874 | $690 | $1,100 | $410 |
| Ocean City, MD | $290,700 | $835 | $660 | $1,050 | $390 |
| Laurel, DE | $143,000 | $581 | $460 | $770 | $310 |
| Cape May Point, NJ | $709,200 | $2,185 | $1,490 | $3,100 | $1,610 |
| Mardela Springs, MD | $151,600 | $726 | $570 | $910 | $340 |
| West Cape May, NJ | $468,700 | $1,585 | $1,090 | $2,200 | $1,110 |
| Greenwood, DE | $155,900 | $606 | $480 | $810 | $330 |
| Milford, DE | $179,600 | $603 | $480 | $800 | $320 |
| North Cape May, NJ | $223,300 | $900 | $660 | $1,280 | $620 |
| Lower, NJ | $236,300 | $776 | $540 | $1,060 | $520 |
| Cape May Court House, NJ | $266,900 | $978 | $700 | $1,400 | $700 |