Gavop's guide to buying homeowners insurance in Ashton-Sandy Spring, 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 | $222,500 | $180,000 | $200,000-$250,000 |
| 2 Bedroom | $642,000 | $600,000 | $600,000-$700,000 |
| 3 Bedroom | $538,000 | $440,000 | $500,000-$600,000 |
| 4 Bedroom | $898,000 | $740,000 | $900,000-$1,000,000 |
| 5 Bedroom | $1,254,000 | $1,050,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$194 | $948 |
| Superior Protection Discount | -$114 | $1,028 |
| Fire & Security Discount | -$80 | $1,062 |
| Hail Resistant Roof Discount | -$34 | $1,107 |
| Newly Constructed Home Discount | -$274 | $868 |
| 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 | $2,500 | $1,457 | $3,957 | $1,059 | $3,559 | $398 |
| Sandy Spring, MD | $2,000 | $1,128 | $3,128 | $820 | $2,820 | $308 |
| Savage, MD | $500 | $891 | $1,391 | $648 | $1,148 | $244 |
| Seat Pleasant, MD | $1,000 | $748 | $1,748 | $544 | $1,544 | $204 |
| Providence, VA | $100 | $948 | $1,048 | $689 | $789 | $259 |
| Pikesville, MD | $2,000 | $984 | $2,984 | $715 | $2,715 | $269 |
| Baltimore, MD | $300 | $699 | $999 | $508 | $808 | $191 |
| Riviera Beach, MD | $2,000 | $762 | $2,762 | $554 | $2,554 | $208 |
| Baltimore County, MD | $500 | $858 | $1,358 | $624 | $1,124 | $235 |
| Fort Hunt, VA | $2,500 | $1,097 | $3,597 | $797 | $3,297 | $300 |
| Pomfret, MD | $300 | $874 | $1,174 | $635 | $935 | $239 |
| St. James, MD | $1,000 | $872 | $1,872 | $634 | $1,634 | $238 |
| Home Insurance Company Sandy Spring, MD | Homeowners Insurance Agency Sandy Spring, MD | Address | Popularity Score | Distance from Sandy Spring (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Odonovan & Associates Inc | 3881 Ten Oaks Rd 2e, Glenelg, MD, 21737 | 8.0 | |
| Erie | Matney Insurance Services | 4311 Ridge Road, Mount Airy, MD, 21771 | 21.7 | |
| State Farm | Christian Durand | 18237 Flower Hill Way Ste D, Gaithersburg, MD, 20879-5336 | 8.8 | |
| Nationwide | Renee Oliver Insurance Agency Inc | 13975 Connecticut Ave Ste 312, Silver Spring, MD, 20906 | 6.2 | |
| Allstate | Parrish Taylor | 9631 Liberty Rd Ste B, Randallstown, MD, 21133 | 18.5 | |
| State Farm | Marcia Duffy | 6242 Sykesville Rd, Eldersburg, MD, 21784-7909 | 17.6 | |
| State Farm | Jimmy Reid | 131 Rollins Ave Ste 2a, Rockville, MD, 20852-4039 | 9.1 | |
| Erie | C F Oconnell & Sons Inc. | 15308 Spencerville Court Suite 301b, Burtonsville, MD, 20866 | 4.5 | |
| Allstate | Mary Amshey | 8640 Guilford Rd Ste 212, Columbia, MD, 21046 | 7.4 | |
| Allstate | David Haines | 11107 Baltimore Ave, Beltsville, MD, 20705 | 9.4 |
| 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 |
| Sandy Spring, MD | $650,100 | $1,142 | $900 | $1,440 | $540 |
| Savage, MD | $322,000 | $902 | $710 | $1,140 | $430 |
| Seat Pleasant, MD | $169,300 | $757 | $600 | $950 | $350 |
| Providence, VA | $556,300 | $960 | $660 | $1,350 | $690 |
| Pikesville, MD | $308,200 | $996 | $790 | $1,250 | $460 |
| Baltimore, MD | $153,200 | $707 | $560 | $890 | $330 |
| Riviera Beach, MD | $256,400 | $771 | $610 | $970 | $360 |
| Baltimore County, MD | $249,600 | $869 | $690 | $1,090 | $400 |
| Fort Hunt, VA | $684,600 | $1,110 | $810 | $1,580 | $770 |
| Pomfret, MD | $239,600 | $885 | $700 | $1,120 | $420 |
| St. James, MD | $238,800 | $883 | $700 | $1,110 | $410 |