Gavop's guide to buying homeowners insurance in Stevensville, 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 | $85,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $183,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $196,000 | $190,000 | $175,000-$200,000 |
| 4 Bedroom | $426,000 | $400,000 | $500,000-$600,000 |
| 5 Bedroom | $583,000 | $550,000 | $600,000-$700,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$150 | $685 |
| Superior Protection Discount | -$84 | $752 |
| Fire & Security Discount | -$67 | $769 |
| Hail Resistant Roof Discount | -$17 | $819 |
| Newly Constructed Home Discount | -$217 | $618 |
| 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 |
| Queen Anne's County | $2,000 | $1,042 | $3,042 | $757 | $2,757 | $285 |
| Stevensville, MD | $2,000 | $825 | $2,825 | $600 | $2,600 | $226 |
| Annapolis Neck, MD | $200 | $1,000 | $1,200 | $727 | $927 | $273 |
| Essex, MD | $1,000 | $745 | $1,745 | $541 | $1,541 | $203 |
| Seabrook, MD | $400 | $773 | $1,173 | $562 | $962 | $211 |
| Walker Mill, MD | $1,000 | $719 | $1,719 | $522 | $1,522 | $196 |
| Edmonston, MD | $200 | $829 | $1,029 | $602 | $802 | $227 |
| Church Creek, MD | $2,500 | $850 | $3,350 | $617 | $3,117 | $232 |
| Somerset, MD | $300 | $767 | $1,067 | $557 | $857 | $210 |
| Fort Hunt, VA | $1,500 | $1,097 | $2,597 | $797 | $2,297 | $300 |
| Darlington, MD | $300 | $907 | $1,207 | $659 | $959 | $248 |
| Lee, VA | $700 | $916 | $1,616 | $666 | $1,366 | $250 |
| Home Insurance Company Stevensville, MD | Homeowners Insurance Agency Stevensville, MD | Address | Popularity Score | Distance from Stevensville (miles) |
|---|---|---|---|---|
| Erie | J E Schenk & Associates Inc. | 3675 Park Avenue Suite 201, Ellicott City, MD, 21043 | 32.9 | |
| Travelers | Hoffberger Insurance Agency Inc | 5700 Smith Ave, Baltimore, MD, 21209 | 32.5 | |
| Liberty Mutual Independent | Bay Area Insurance Group Llc | 818 E College Pkwy, Annapolis, MD, 21409 | 7.6 | |
| State Farm | Jim Brown | 110 S Piney Rd Ste 108, Chester, MD, 21619-2883 | 2.6 | |
| Nationwide | John Philip Insurance Inc | 432 South Main Street, Bel Air, MD, 21014-0000 | 38.5 | |
| Allstate | Merle Kaplan | 11240 Reisterstown Rd, Owings Mills, MD, 21117 | 41.1 | |
| Allstate | Wade D. Cansler | 130 Holiday Ct Ste 107, Annapolis, MD, 21401 | 12.2 | |
| Travelers | First Insurance Services | 166 West St, Annapolis, MD, 21401 | 9.7 | |
| State Farm | Bryant Jenkins | 129 Westminster Pike, Reisterstown, MD, 21136-1026 | 44.0 | |
| Allstate | Roslynne Ross | 914 Forest Dr Ste 201, Annapolis, MD, 21403 | 9.5 |
| 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 |
| Queen Anne's County, MD | $343,200 | $1,055 | $830 | $1,330 | $500 |
| Stevensville, MD | $356,400 | $835 | $660 | $1,050 | $390 |
| Annapolis Neck, MD | $552,900 | $1,012 | $800 | $1,280 | $480 |
| Essex, MD | $180,900 | $754 | $600 | $950 | $350 |
| Seabrook, MD | $262,700 | $783 | $620 | $990 | $370 |
| Walker Mill, MD | $230,000 | $727 | $570 | $920 | $350 |
| Edmonston, MD | $215,600 | $839 | $660 | $1,060 | $400 |
| Church Creek, MD | $226,900 | $860 | $680 | $1,080 | $400 |
| Somerset, MD | $1,209,600 | $776 | $610 | $980 | $370 |
| Fort Hunt, VA | $684,600 | $1,110 | $740 | $1,540 | $800 |
| Darlington, MD | $256,300 | $918 | $730 | $1,160 | $430 |
| Lee, VA | $431,300 | $927 | $670 | $1,280 | $610 |