Gavop's guide to buying homeowners insurance in Elkridge, 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 | $108,000 | $90,000 | $125,000-$150,000 |
| 2 Bedroom | $161,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $217,500 | $190,000 | $175,000-$200,000 |
| 4 Bedroom | $368,000 | $310,000 | $300,000-$350,000 |
| 5 Bedroom | $448,000 | $390,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$128 | $671 |
| Superior Protection Discount | -$80 | $719 |
| Fire & Security Discount | -$64 | $735 |
| Hail Resistant Roof Discount | -$16 | $783 |
| Newly Constructed Home Discount | -$216 | $583 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,368 |
| Hail Damage | $4,853 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,218 |
| Home Insurance Company Elkridge, MD | Homeowners Insurance Agency Elkridge, MD | Address | Popularity Score | Distance from Elkridge (miles) |
|---|---|---|---|---|
| State Farm | Andrea Magers | 3600 Saint Johns Ln, Ellicott City, MD, 21042-5247 | 7.0 | |
| State Farm | Paul Funk | 307 Frederick Rd, Catonsville, MD, 21228-4620 | 5.4 | |
| Allstate | Jim Craig | 912 Light St, Baltimore, MD, 21230 | 9.0 | |
| Erie | Craig S Mader Insurance Agency Inc. | 1388 Defense Hwy, Gambrills, MD, 21054 | 14.4 | |
| Erie | Patterson Insurance Management Inc. | 1413b Annapolis Road Suite 203, Odenton, MD, 21113 | 7.0 | |
| Travelers | Union First Financial Services Inc | 4536 Owensville Sudley Rd, Harwood, MD, 20776 | 24.4 | |
| State Farm | Scott Spedden | 5525 Twin Knolls Rd Ste 324, Columbia, MD, 21045-3274 | 5.7 | |
| Allstate | Todd J. Zoren | 6010 Meadow Center Drive, Elkridge, MD, 21075 | 1.1 | |
| Allstate | Jennifer Marie Duncan | 8258 Veterans Hwy Ste 1a, Millersville, MD, 21108 | 8.2 | |
| Allstate | Mary Amshey | 8640 Guilford Rd Ste 212, Columbia, MD, 21046 | 6.8 |
| 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 |
| Howard County, MD | $439,900 | $1,351 | $1,070 | $1,700 | $630 |
| Elkridge, MD | $339,600 | $799 | $630 | $1,010 | $380 |
| Washington, DC | $537,400 | $1,630 | $1,170 | $2,330 | $1,160 |
| Silver Hill, MD | $169,700 | $705 | $560 | $890 | $330 |
| Barnesville, MD | $500,000 | $1,722 | $1,360 | $2,170 | $810 |
| Hunter Mill, VA | $613,200 | $1,029 | $750 | $1,430 | $680 |
| Oakton, VA | $604,300 | $1,261 | $870 | $1,730 | $860 |
| Braddock, VA | $506,200 | $938 | $630 | $1,300 | $670 |
| Broadlands, VA | $576,600 | $985 | $660 | $1,400 | $740 |
| South Riding, VA | $499,300 | $958 | $650 | $1,350 | $700 |
| New Salem, PA | $186,100 | $774 | $560 | $1,080 | $520 |
| Drumore, PA | $229,500 | $853 | $580 | $1,210 | $630 |