How Can I Make My Gaithersburg, MD Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Gaithersburg, 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.
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Estimate Appropriate Gaithersburg, MD Home Insurance Coverage Levels | Back to Top
| Gaithersburg, MD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Hidden Marsh St, Leaning Oak Mews, Royal Bonnet, George St, Summit Hall Rd, Leafcup Rd, Kingfisher Ave, Singing Pine, Prospect Ave, Beacon Hill Way | $271,500 | $250,000 | $250,000-$300,000 | $129,500 | $100,000 | $125,000-$150,000 |
| Longpoint Way, Virginia Dr, Cathedral Dr, Ridgemont Ave, Willow Creek, Beckwith St, Rolling Rd, Havencrest St, Sugarberry Ct, Fifeshire Dr | $398,500 | $350,000 | $400,000-$500,000 | $355,500 | $310,000 | $300,000-$350,000 |
| Thorburn Rd, Nathans Pl, Jericho Dr, Dockside Ter, Horizon Run, Whitcliff Ct, Duvall Ln, Floral Dr, Dogwood Dr, Raven Rock Dr | $228,000 | $190,000 | $200,000-$250,000 | $122,000 | $110,000 | $125,000-$150,000 |
| Misty Dale Way, Rio Blvd, Fence Post Ct, Thorburn Pl, Travis Ln, Alfandre Mews, Tea Rose Dr, Swanton Mews, Orchard Ridge Dr, Kilrush Ct | $221,500 | $200,000 | $200,000-$250,000 | $111,500 | $100,000 | $125,000-$150,000 |
| Midtown Mews, Kent Oaks Way, Wedge Way, Skidmore Blvd, Bishopstone Ct, Roundabout Dr, Hidden Lake Ter, Palmspring Dr, Kentlands Blvd, Reprise Ter | $429,000 | $350,000 | $400,000-$500,000 | $342,000 | $310,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Gaithersburg, MD | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$199 | $970 |
| Superior Protection Discount | -$105 | $1,063 |
| Fire & Security Discount | -$93 | $1,075 |
| Hail Resistant Roof Discount | -$23 | $1,145 |
| Newly Constructed Home Discount | -$304 | $864 |
Choose the Right Deductible for your Gaithersburg, MD Home | Back to Top
| 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 |
| Montgomery County | $1,000 | $1,457 | $2,457 | $1,059 | $2,059 | $398 |
| Gaithersburg, MD | $1,500 | $1,154 | $2,654 | $839 | $2,339 | $315 |
| Ashburn, VA | $100 | $1,378 | $1,478 | $1,002 | $1,102 | $377 |
| Monrovia, MD | $1,000 | $1,255 | $2,255 | $912 | $1,912 | $343 |
| Fulton, MD | $400 | $2,008 | $2,408 | $1,459 | $1,859 | $549 |
| Loudoun County, VA | $2,500 | $1,354 | $3,854 | $984 | $3,484 | $370 |
| Burke, VA | $100 | $1,489 | $1,589 | $1,082 | $1,182 | $407 |
| Annapolis, MD | $2,000 | $1,206 | $3,206 | $877 | $2,877 | $330 |
| Baden, MD | $400 | $1,252 | $1,652 | $910 | $1,310 | $342 |
| Charles County, MD | $2,500 | $950 | $3,450 | $691 | $3,191 | $260 |
| Chesapeake Beach, MD | $400 | $872 | $1,272 | $634 | $1,034 | $238 |
| Skyland Estates, VA | $1,500 | $843 | $2,343 | $612 | $2,112 | $230 |
Identify Top Home Insurance Agents near Gaithersburg, MD | Back to Top
| Home Insurance Company Gaithersburg, MD | Homeowners Insurance Agency Gaithersburg, MD | Address | Popularity Score | Distance from Gaithersburg (miles) |
|---|---|---|---|---|
| State Farm | Christian Durand | 18237 Flower Hill Way Ste D, Gaithersburg, MD, 20879-5336 | 4.6 | |
| Erie | Daniel C Howley Insurance Agency | 6258 Montrose Road, Rockville, MD, 20852 | 7.2 | |
| Farmers | Vance Morrow | 600 Red Brook Blvd Ste 200, Owings Mills, MD, 21117 | 30.5 | |
| Allstate | Zifer M. Reyal | 10110 Sutherland Rd, Silver Spring, MD, 20901 | 13.6 | |
| Allstate | Brian Mccoy | 913 Ridgebrook Rd Ste 200, Sparks, MD, 21152 | 41.9 | |
| State Farm | Bob Glista | 5010 Nicholson Ln Ste H, Rockville, MD, 20852-3108 | 8.5 | |
| State Farm | Niko Di Giulio | 17902 Georgia Ave Ste 220, Olney, MD, 20832-2279 | 9.2 | |
| State Farm | Wendy Louder | 12401 Middlebrook Rd Ste 170, Germantown, MD, 20874-1522 | 4.2 | |
| State Farm | Autumn Peterson | 845 Quince Orch Blvd Ste P, Gaithersburg, MD, 20878-1676 | 1.5 | |
| Allstate | Paul W. Partington Sr. | 3403 Olandwood Ct Ste 202, Olney, MD, 20832 | 9.3 |
Compare Rates for Gaithersburg, MD Home Insurance Providers | Back to Top
| 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 |
| Montgomery County, MD | $467,500 | $1,475 | $1,170 | $1,860 | $690 |
| Gaithersburg, MD | $380,300 | $1,168 | $920 | $1,470 | $550 |
| Ashburn, VA | $479,900 | $1,395 | $960 | $1,990 | $1,030 |
| Monrovia, MD | $384,400 | $1,270 | $1,000 | $1,600 | $600 |
| Fulton, MD | $623,600 | $2,032 | $1,610 | $2,560 | $950 |
| Loudoun County, VA | $475,500 | $1,371 | $1,000 | $1,910 | $910 |
| Burke, VA | $518,600 | $1,508 | $1,100 | $2,080 | $980 |
| Annapolis, MD | $395,900 | $1,221 | $960 | $1,540 | $580 |
| Baden, MD | $383,600 | $1,267 | $1,000 | $1,600 | $600 |
| Charles County, MD | $294,000 | $962 | $760 | $1,210 | $450 |
| Chesapeake Beach, MD | $313,600 | $883 | $700 | $1,110 | $410 |
| Skyland Estates, VA | $190,900 | $853 | $620 | $1,180 | $560 |
Research Home Insurance Companies Reviews in Gaithersburg, MD Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: October 25, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
Some time is about the quality of service, no what the insurance promise, because when other insurance offer something, and something happens they make it challengin to do the claim
Date: October 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
My insurance company responds to my needs when I need them. They do not bug me with unecessary services that I do not need or want.
Date: October 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
This provider used to be the best in the business, great service great rates top tier coverage. Now they are still good at service but rates are sneaking up to market value so there isn't much benefit using them.
Date: July 25, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
They are fair compared to other companies. I do not see much difference when I check with other insurance companies and compare offerings.
Date: February 12, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I can't really think of anything in particular at the moment. They just have wonderful features and take care of our needs. I also love the fact that they acknowledge veterans. My husband is a veteran.
Nationwide Home Insurance Reviews
Date: June 06, 2019 Age: Above 60 Gender: Unmarried Marital Status: Female
Customer Service
We've not had to have much contact with our insurance company since purchasing our home. However, our agent has been a tremendous help with helping us to bundle and save.
Date: October 22, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
Sometimes it is difficult to communicate with the company through the telephone number because you have to make two or three calls at times to communicate
Allstate Home Insurance Reviews
Date: October 20, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
I suppose my premium is comparable with other insurance companies. I pay $83.00 a month for the insurance.
Progressive Home Insurance Reviews
Date: March 28, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have not had to file any claims with my insurance company. I have had an overall positive experience with customer service on the phone.
Liberty Mutual Home Insurance Reviews
Date: November 20, 2018 Age: Above 60 Gender: Male Marital Status: Married
Premium
In addition to my home insurance policy, I also procured an umbrella policy and have a $1,000 deductible.
Travelers Home Insurance Reviews
Date: January 07, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I had water damage in my home and when they first came to look at it they said my deductible was higher than the repair cost. I had to go back and forth with them for a while because it was different than what the estimates I got said. It took some time and help from my insurance agent but ultimately they paid the correct amount for the claim which was over $2,000.
GEICO Home Insurance Reviews
Date: December 31, 2018 Age: Above 60 Gender: Male Marital Status: Unmarried
Policy Offerings
Well, Geico was the cheapest at the time for equal coverage and I went with that regardless of how the customer service would be. My neighbor has Allstate and says they are better for actually paying claims. I have considered swtiching.
State Farm Home Insurance Reviews
Date: September 05, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
State Farm has the best customer service I have ever experienced in a company before. They are always there to help and are very accommodating in the issues I have.