Gavop shows you how to buy homeowners insurance in Havre de Grace, MD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $97,500 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $158,500 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $226,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $360,000 | $300,000 | $300,000-$350,000 |
| 5 Bedroom | $826,500 | $760,000 | $800,000-$900,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $661 |
| Superior Protection Discount | -$81 | $726 |
| Fire & Security Discount | -$89 | $718 |
| Hail Resistant Roof Discount | -$24 | $782 |
| Newly Constructed Home Discount | -$202 | $605 |
| 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 |
| Harford County | $1,500 | $923 | $2,423 | $671 | $2,171 | $252 |
| Havre de Grace, MD | $1,500 | $797 | $2,297 | $579 | $2,079 | $218 |
| Church Hill, MD | $500 | $852 | $1,352 | $619 | $1,119 | $233 |
| Leacock, PA | $1,500 | $768 | $2,268 | $558 | $2,058 | $210 |
| Greensboro, MD | $200 | $703 | $903 | $511 | $711 | $192 |
| Rose Valley, PA | $1,000 | $1,833 | $2,833 | $1,332 | $2,332 | $501 |
| West Pikeland, PA | $500 | $1,790 | $2,290 | $1,301 | $1,801 | $489 |
| Shiloh, PA | $2,000 | $687 | $2,687 | $499 | $2,499 | $188 |
| Bainbridge, PA | $400 | $731 | $1,131 | $531 | $931 | $200 |
| Schoeneck, PA | $1,500 | $809 | $2,309 | $588 | $2,088 | $221 |
| Morton, PA | $200 | $787 | $987 | $572 | $772 | $215 |
| Home Insurance Company Havre de Grace, MD | Homeowners Insurance Agency Havre de Grace, MD | Address | Popularity Score | Distance from Havre de Grace (miles) |
|---|---|---|---|---|
| Travelers | Aag Insurance Enterprises Inc | 438 S Main St, Bel Air, MD, 21014 | 12.9 | |
| State Farm | Karen Michaels | 2280 Pulaski Hwy, North East, MD, 21901-3731 | 9.6 | |
| State Farm | Chad May | 2234 Rock Spring Rd, Forest Hill, MD, 21050-1602 | 15.2 | |
| State Farm | Chris Duncan | 1120 N Charles St Ste 102, Baltimore, MD, 21201-5593 | 32.2 | |
| State Farm | Diane Miller | 117 Ryan Dr Ste B, Rising Sun, MD, 21911-1841 | 10.6 | |
| Nationwide | John Philip Insurance Inc | 432 South Main Street, Bel Air, MD, 21014-0000 | 12.9 | |
| State Farm | Mike Grace | 2937 Emmorton Rd, Abingdon, MD, 21009-1631 | 12.1 | |
| State Farm | Ed Cassity | 3505 Ellctt Mills Dr Ste A2, Ellicott City, MD, 21043-4578 | 42.0 | |
| Liberty Mutual Independent | W G Oliver Agency Inc | 900 S Main St Ste 104, Bel Air, MD, 21014 | 12.7 | |
| Travelers | Chesapeake Insurance Agency Inc | 705 Rustic Ct, Perryville, MD, 21903 | 1.9 |
| 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 |
| Harford County, MD | $281,400 | $934 | $740 | $1,180 | $440 |
| Havre de Grace, MD | $275,800 | $806 | $640 | $1,020 | $380 |
| Church Hill, MD | $227,900 | $862 | $680 | $1,090 | $410 |
| Leacock, PA | $266,100 | $777 | $560 | $1,100 | $540 |
| Greensboro, MD | $143,500 | $712 | $560 | $900 | $340 |
| Rose Valley, PA | $521,400 | $1,855 | $1,350 | $2,560 | $1,210 |
| West Pikeland, PA | $506,300 | $1,812 | $1,210 | $2,550 | $1,340 |
| Shiloh, PA | $172,000 | $696 | $480 | $990 | $510 |
| Bainbridge, PA | $167,800 | $740 | $530 | $1,050 | $520 |
| Schoeneck, PA | $210,700 | $819 | $560 | $1,130 | $570 |
| Morton, PA | $198,900 | $797 | $570 | $1,090 | $520 |