Gavop's guide to buying homeowners insurance in Lexington Park, 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 | $66,000 | $60,000 | $75,000-$100,000 |
| 2 Bedroom | $116,500 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $187,500 | $180,000 | $175,000-$200,000 |
| 4 Bedroom | $260,500 | $230,000 | $250,000-$300,000 |
| 5 Bedroom | $327,500 | $280,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $552 |
| Superior Protection Discount | -$61 | $613 |
| Fire & Security Discount | -$54 | $620 |
| Hail Resistant Roof Discount | -$20 | $653 |
| Newly Constructed Home Discount | -$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 |
| St. Mary's County | $1,500 | $945 | $2,445 | $687 | $2,187 | $258 |
| Lexington Park, MD | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Solomons, MD | $500 | $1,706 | $2,206 | $1,240 | $1,740 | $466 |
| Dorchester County, MD | $1,500 | $742 | $2,242 | $539 | $2,039 | $203 |
| Friendship, MD | $100 | $1,162 | $1,262 | $844 | $944 | $318 |
| La Plata, MD | $1,000 | $783 | $1,783 | $569 | $1,569 | $214 |
| Brandywine, MD | $300 | $823 | $1,123 | $598 | $898 | $225 |
| St. Michaels, MD | $1,500 | $1,361 | $2,861 | $989 | $2,489 | $372 |
| Upper Marlboro, MD | $500 | $814 | $1,314 | $592 | $1,092 | $222 |
| Port Royal, VA | $200 | $835 | $1,035 | $607 | $807 | $228 |
| Glassmanor, MD | $2,500 | $681 | $3,181 | $495 | $2,995 | $186 |
| Home Insurance Company Lexington Park, MD | Homeowners Insurance Agency Lexington Park, MD | Address | Popularity Score | Distance from Lexington Park (miles) |
|---|---|---|---|---|
| Nationwide | Whitten Insurance Agency Llc | 317 Crusader Rd, Cambridge, MD, 21613-2551 | 29.5 | |
| State Farm | James Brown | 5211 Auth Rd Ste 204, Suitland, MD, 20746-4339 | 46.9 | |
| State Farm | Dovie Metzger | 1410 Forest Dr Ste 8, Annapolis, MD, 21403-1442 | 48.8 | |
| State Farm | Phil Riehl | 23131 Three Notch Road, California, MD, 20619-2414 | 5.4 | |
| State Farm | Dave Dixon | 3a N First St, Indian Head, MD, 20640 | 45.5 | |
| State Farm | Mike Johnson | 8600 Central Ave, Landover, MD, 20785-4819 | 49.3 | |
| State Farm | Jesse Williams | 7610 Pennsylvania Ave Ste 202, Forestville, MD, 20747-4701 | 46.8 | |
| Allstate | Duncan May | 23077 Three Notch Rd, California, MD, 20619 | 5.2 | |
| State Farm | Marc Carella | 2976 Solomons Isl Rd, Edgewater, MD, 21037-1417 | 48.0 | |
| State Farm | Josh Mesh | 25450 Pt Lkout Rd Ste 2, Leonardtown, MD, 20650-3841 | 11.2 |
| 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 |
| St. Mary's County, MD | $291,500 | $956 | $760 | $1,200 | $440 |
| Lexington Park, MD | $195,200 | $674 | $530 | $850 | $320 |
| Solomons, MD | $483,500 | $1,727 | $1,360 | $2,180 | $820 |
| Dorchester County, MD | $179,300 | $751 | $590 | $950 | $360 |
| Friendship, MD | $356,700 | $1,176 | $930 | $1,480 | $550 |
| La Plata, MD | $336,700 | $793 | $630 | $1,000 | $370 |
| Brandywine, MD | $355,500 | $833 | $660 | $1,050 | $390 |
| St. Michaels, MD | $412,200 | $1,378 | $1,090 | $1,740 | $650 |
| Upper Marlboro, MD | $207,300 | $824 | $650 | $1,040 | $390 |
| Port Royal, VA | $187,100 | $845 | $600 | $1,190 | $590 |
| Glassmanor, MD | $205,800 | $690 | $540 | $870 | $330 |