How Can I Make My Towson, MD Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Towson, MD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Towson, MD Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $83,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $171,000 | $150,000 | $200,000-$250,000 |
| 3 Bedroom | $175,500 | $150,000 | $150,000-$175,000 |
| 4 Bedroom | $458,000 | $410,000 | $400,000-$500,000 |
| 5 Bedroom | $535,500 | $490,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Towson, MD | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$191 | $870 |
| Superior Protection Discount | -$96 | $966 |
| Fire & Security Discount | -$85 | $976 |
| Hail Resistant Roof Discount | -$21 | $1,040 |
| Newly Constructed Home Discount | -$276 | $785 |
Choose the Right Deductible for your Towson, 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 |
| Baltimore County | $1,000 | $858 | $1,858 | $624 | $1,624 | $235 |
| Towson, MD | $1,000 | $1,048 | $2,048 | $762 | $1,762 | $287 |
| Lansdowne, MD | $300 | $672 | $972 | $488 | $788 | $184 |
| Bel Air, MD | $1,500 | $734 | $2,234 | $533 | $2,033 | $200 |
| Peach Bottom, PA | $100 | $754 | $854 | $548 | $648 | $206 |
| Mitchellville, MD | $2,000 | $891 | $2,891 | $648 | $2,648 | $244 |
| Kingstown, MD | $100 | $835 | $935 | $607 | $707 | $228 |
| Kennedyville, MD | $1,500 | $733 | $2,233 | $533 | $2,033 | $200 |
| Oxford, PA | $100 | $689 | $789 | $501 | $601 | $188 |
| Hunterstown, PA | $700 | $667 | $1,367 | $485 | $1,185 | $182 |
| Lincolnia, VA | $2,000 | $994 | $2,994 | $722 | $2,722 | $272 |
Identify Top Home Insurance Agents near Towson, MD | Back to Top
| Home Insurance Company Towson, MD | Homeowners Insurance Agency Towson, MD | Address | Popularity Score | Distance from Towson (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Insurance First Inc | 3530 Worthington Blvd, Urbana, MD, 21704 | 39.6 | |
| Erie | Welsch Insurance Group Llc | 3044 Hudson Street, Baltimore, MD, 21224 | 8.1 | |
| Liberty Mutual Independent | Gorges & Company Inc | 2345 York Rd, Timonium, MD, 21093 | 4.1 | |
| Travelers | Insure One Inc | 913 Ridgebrook Rd Ste 102, Sparks, MD, 21152 | 9.2 | |
| Travelers | Hoffberger Insurance Agency Inc | 5700 Smith Ave, Baltimore, MD, 21209 | 2.6 | |
| State Farm | Raul Braun | 8609 Old Harford Rd, Baltimore, MD, 21234-3912 | 4.0 | |
| Nationwide | The Wright Agency Inc | 2 W Rolling Crossroads Ste 208, Catonsville, MD, 21228-6211 | 9.5 | |
| Erie | Donadio Insurance Group | 10902 Reisterstown Rd #201 Owings Mill, Owings Mills, MD, 21117 | 9.4 | |
| State Farm | Valerie Cherry | 6800 York Rd, Baltimore, MD, 21212-1848 | 1.2 | |
| Allstate | Ryan Hamill | 9618 Deereco Rd, Timonium, MD, 21093 | 4.3 |
Compare Rates for Towson, 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 |
| Baltimore County, MD | $249,600 | $869 | $690 | $1,090 | $400 |
| Towson, MD | $345,500 | $1,061 | $840 | $1,340 | $500 |
| Lansdowne, MD | $154,200 | $680 | $540 | $860 | $320 |
| Bel Air, MD | $239,300 | $743 | $590 | $940 | $350 |
| Peach Bottom, PA | $180,300 | $763 | $510 | $1,060 | $550 |
| Mitchellville, MD | $322,200 | $902 | $710 | $1,140 | $430 |
| Kingstown, MD | $218,600 | $845 | $670 | $1,060 | $390 |
| Kennedyville, MD | $160,700 | $742 | $590 | $930 | $340 |
| Oxford, PA | $173,400 | $698 | $480 | $960 | $480 |
| Hunterstown, PA | $135,200 | $675 | $490 | $970 | $480 |
| Lincolnia, VA | $455,800 | $1,006 | $730 | $1,420 | $690 |
Research Home Insurance Companies Reviews in Towson, MD Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: September 17, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
policy is great, coverage is maximum while my rates are reasonable and affordable. They worked to find a custom plan for me rather than forcing something down my throat to maximize personal profit
Date: April 09, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I think that USAA is faster to respond and provides more comprehensive coverage. They also never give the feeling they are just in it for the money.
Date: January 28, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
The customer service from USAA has always been great. They tell me thank you for your service and really stick their neck out to make sure that I am happy. I can always talk to a real person when I want to and can easily navigate to the line I need.
Date: January 18, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
They seem to have all the offerings available that I need. Whether it's a home loan, renters insurance, insurance for jewelry, or even car insurance and personal 401K. It is the only insurance company I have worked with so I cannot speak to how it compares to others, however, it has everything I need.
Date: December 08, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
My home insurance company policy offerings are the average that I saw when making a decision to have home insurance.
Progressive Home Insurance Reviews
Date: October 22, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The deductibles are very similar to what i had, however the premiums are much lower. The deductibles for add-ons might be a little higher, but I did not buy any so I am unsure.
Pekin Insurance Home Insurance Reviews
Date: November 04, 2018 Age: Above 60 Gender: Female Marital Status: Married
Policy Offerings
The dwelling itself is covered for loss due to fire, etc. There is also liability coverage in case someone is injured on my property.
Safeco Insurance Home Insurance Reviews
Date: October 19, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Everything in our house is covered. All of our valuables are covered as well. We are able to add our own specific items but we also have a lump sum that will cover the majority of our valuables. We have a lot of tools and hardware and that is also covered.
GEICO Home Insurance Reviews
Date: February 23, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Geico does tend to offer slightly better rates than other insurance providers, but not that much. Still, I'll take any discount I can get, and Geico has it.
State Farm Home Insurance Reviews
Date: September 12, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
My deductible is low with State Farm. I rate direct general at a 5. They give me the coverage that I need.
Farmer's Insurance Home Insurance Reviews
Date: July 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
They offer a multitude of policies.Pretty much any type of policy is available in my area. I would say they have more than most. This is expected because they are one of the large insurance providers in the US.