How Can I Make My Hagerstown, MD Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Hagerstown, MD by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
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Select the Suitable Coverage Value for your Hagerstown, MD Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $66,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $136,500 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $149,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $178,500 | $150,000 | $200,000-$250,000 |
| 5 Bedroom | $280,000 | $260,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Hagerstown, MD | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$112 | $587 |
| Superior Protection Discount | -$63 | $636 |
| Fire & Security Discount | -$56 | $643 |
| Hail Resistant Roof Discount | -$21 | $677 |
| Newly Constructed Home Discount | -$203 | $496 |
Choose the Right Deductible for your Hagerstown, 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 |
| Washington County | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| Hagerstown, MD | $1,000 | $690 | $1,690 | $501 | $1,501 | $189 |
| Downsville, MD | $300 | $949 | $1,249 | $690 | $990 | $259 |
| San Mar, MD | $2,500 | $972 | $3,472 | $707 | $3,207 | $266 |
| Greencastle, PA | $400 | $761 | $1,161 | $553 | $953 | $208 |
| Mont Alto, PA | $2,500 | $688 | $3,188 | $500 | $3,000 | $188 |
| Orrtanna, PA | $400 | $728 | $1,128 | $529 | $929 | $199 |
| Inwood, WV | $700 | $850 | $1,550 | $617 | $1,317 | $232 |
| Shannondale, WV | $200 | $884 | $1,084 | $643 | $843 | $242 |
| Purcellville, VA | $2,500 | $928 | $3,428 | $674 | $3,174 | $254 |
| Damascus, MD | $500 | $905 | $1,405 | $657 | $1,157 | $247 |
| Bloomery, WV | $2,000 | $745 | $2,745 | $541 | $2,541 | $204 |
Identify Top Home Insurance Agents near Hagerstown, MD | Back to Top
| Home Insurance Company Hagerstown, MD | Homeowners Insurance Agency Hagerstown, MD | Address | Popularity Score | Distance from Hagerstown (miles) |
|---|---|---|---|---|
| Farmers | Emily Keller | 120 E Oak Ridge Dr Ste 400, Hagerstown, MD, 21740 | 1.9 | |
| Farmers | Ramona Jones-Mcclain | 606 Main St, Reisterstown, MD, 21136 | 49.6 | |
| Travelers | Charles R Grant Agency | 620 Hungerford Dr Ste 33, Rockville, MD, 20850 | 48.5 | |
| Allstate | Candice Clough | 19725 Executive Park Cir, Germantown, MD, 20874 | 39.7 | |
| Erie | Jean Shank Insurance Associates Inc. | 703 Oak Hill Avenue, Hagerstown, MD, 21740 | 0.9 | |
| State Farm | Will Wingo | 12116 Darnestown Road Suite L2, Gaithersburg, MD, 20878-2227 | 44.0 | |
| Travelers | Mcdole Edge Corporation | 2977b Manchester Rd, Manchester, MD, 21102 | 44.4 | |
| State Farm | Tim Panther | 222 East Oak Ridge Drive, Hagerstown, MD, 21740-7873 | 1.9 | |
| State Farm | Dan Hall | 816 Virginia Ave, Hagerstown, MD, 21740-6256 | 1.0 | |
| Travelers | Mcdole Edge Corporation | 2977b Manchester Road, Manchester, MD, 21102 | 44.4 |
Compare Rates for Hagerstown, 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 |
| Washington County, MD | $205,300 | $795 | $630 | $1,000 | $370 |
| Hagerstown, MD | $148,300 | $698 | $550 | $880 | $330 |
| Downsville, MD | $276,000 | $961 | $760 | $1,210 | $450 |
| San Mar, MD | $286,100 | $984 | $780 | $1,240 | $460 |
| Greencastle, PA | $184,100 | $770 | $530 | $1,070 | $540 |
| Mont Alto, PA | $145,500 | $696 | $470 | $950 | $480 |
| Orrtanna, PA | $166,100 | $737 | $540 | $1,010 | $470 |
| Inwood, WV | $162,400 | $860 | $590 | $1,210 | $620 |
| Shannondale, WV | $177,400 | $895 | $650 | $1,270 | $620 |
| Purcellville, VA | $435,400 | $939 | $630 | $1,330 | $700 |
| Damascus, MD | $389,100 | $916 | $720 | $1,150 | $430 |
| Bloomery, WV | $122,300 | $754 | $520 | $1,050 | $530 |
Research Home Insurance Companies Reviews in Hagerstown, MD Before Buying | Back to Top
Share a review on your home insurance company
Erie Insurance Home Insurance Reviews
Date: September 15, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Erie insurance is extremely affordable and was a great company to work with 6 years ago when we purchased our new house. They made the process easy and helped us through each step.
Date: July 21, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
As far as my premium and deductible, I find that mine is cheaper than the others in the area.
Date: November 22, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I was offered the best price with Erie. I seriously checked with about 15 different companies. Erie was the best price when I bundled my insurances. so 5.
State Farm Home Insurance Reviews
Date: January 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Originally was happy with the coverage until we actually needed to use it, They had coverage on lightning strikes and some weather acts that most places don't cover for our area. We thought we had a great company and boom. Nothing.
Date: November 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I believe the premium is a bit inflated as compared to offerings from other insurance. State Farm seems to be content to rest on their laurels and reputation to an extent. In beginning the process of considering changing agencies, I believe part of the premium in paying for the well-known brand name.
USAA Home Insurance Reviews
Date: April 11, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
USAA covers us for all major losses including foundation and water leakage. I do not believe they offer any different coverage than other agencies but as stated above their service and price.
Progressive Home Insurance Reviews
Date: February 24, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
In terms of price my home insurance is fairly competitive from what I can tell. Otherwise, I don't know the differences between various insurance companies, I just picked the one my family uses.
Allstate Home Insurance Reviews
Date: August 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Premium
The deductible is a little high for me due to I have a savings account for it, which means my yearly payments for the policy is much lower. My family went this direction after careful help with our insurance company.
Travelers Home Insurance Reviews
Date: October 25, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Communication
Anytime I call they answer all my questions. They are friendly on the phone. They provide great service