How Can I Make My Frederick, MD Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Frederick, MD by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Frederick, MD Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $79,500 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $242,000 | $220,000 | $200,000-$250,000 |
| 3 Bedroom | $231,000 | $200,000 | $250,000-$300,000 |
| 4 Bedroom | $254,500 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $390,000 | $330,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Frederick, MD | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $747 |
| Superior Protection Discount | -$88 | $791 |
| Fire & Security Discount | -$97 | $783 |
| Hail Resistant Roof Discount | -$26 | $853 |
| Newly Constructed Home Discount | -$185 | $695 |
Choose your Frederick, MD Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,488 |
| Hail Damage | $4,476 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,386 |
Identify Top Home Insurance Agents near Frederick, MD | Back to Top
| Home Insurance Company Frederick, MD | Homeowners Insurance Agency Frederick, MD | Address | Popularity Score | Distance from Frederick (miles) |
|---|---|---|---|---|
| Allstate | George Cochrane | 3508 Worthington Blvd Ste 101, Frederick, MD, 21704 | 7.9 | |
| Liberty Mutual Independent | Insurance First Inc | 3530 Worthington Blvd, Urbana, MD, 21704 | 7.8 | |
| Allstate | Candice Clough | 19725 Executive Park Cir, Germantown, MD, 20874 | 19.0 | |
| State Farm | Darius Mark | 500 N Market St, Frederick, MD, 21701-5243 | 0.9 | |
| Farmers | Brian Isemann | 120 W Church St Ste D, Frederick, MD, 21701 | 1.2 | |
| State Farm | Sheri Cates | 14 Park Ave, Mount Airy, MD, 21771-5438 | 14.4 | |
| Travelers | Mcdole Edge Corporation | 2977b Manchester Road, Manchester, MD, 21102 | 32.1 | |
| Nationwide | Warner Insurance & Financial Services Inc | 7310 Grove Rd Ste 107, Frederick, MD, 21704 | 3.0 | |
| State Farm | Kevin Swanson | 111 Mount Carmel Rd Ste 400, Parkton, MD, 21120-9791 | 41.3 | |
| State Farm | Nathan Scholze | 101 Saint Helena Ave, Baltimore, MD, 21222-4217 | 49.0 |
Compare Rates for Frederick, 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 |
| Frederick County, MD | $315,400 | $982 | $780 | $1,240 | $460 |
| Frederick, MD | $255,100 | $879 | $690 | $1,110 | $420 |
| Bartonsville, MD | $347,700 | $1,148 | $910 | $1,450 | $540 |
| Germantown, MD | $326,600 | $1,010 | $800 | $1,270 | $470 |
| Poolesville, MD | $397,800 | $1,321 | $1,040 | $1,660 | $620 |
| Forest Glen, MD | $425,300 | $1,020 | $810 | $1,280 | $470 |
| Berryville, VA | $292,600 | $995 | $670 | $1,360 | $690 |
| Savage, MD | $322,000 | $902 | $710 | $1,140 | $430 |
| Hampton, MD | $438,400 | $1,494 | $1,180 | $1,880 | $700 |
| Gainesboro, VA | $246,400 | $790 | $530 | $1,120 | $590 |
| West Manchester, PA | $159,200 | $673 | $460 | $920 | $460 |
Research Home Insurance Companies Reviews in Frederick, MD Before Buying | Back to Top
Share a review on your home insurance company
GEICO Home Insurance Reviews
Date: December 31, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
Great customer service and timely and readily helpful, I would not choose any other company. Their products and cpverage are so diversified and great to choose from. It is a market that covers everything under one roof.
Date: July 30, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I think they have just as good of a range of offers as other companies do. I am not sure though.
Date: February 06, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
I would consider my deductible normal and within range of what other company's offer, there's nothing that much different . What i'm paying now if I'm not mistaken Nationwide was in the $5 range of being very close.
USAA Home Insurance Reviews
Date: January 30, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I feel like my deductible is about as good as you can get with my home. No major issues.
Date: January 20, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I think that for the the premium and deductible of my plan I receive more and better coverage through USAA than I would through other insurance companies. I deducted a point as USAA has been increasing my premium in the past 2 years in what I feel is an unfair amount. It's caused me to look at other insurance companies but I do not trust them to provide me the amount or quality of coverage that USAA does so I have stayed with USAA.
NYCM Insurance Home Insurance Reviews
Date: November 02, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
When I did the comparison while shopping for home insurance NYCM was not the cheapest company but I get to have a single point of contact when filing a claim.
Allstate Home Insurance Reviews
Date: September 16, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
I find my premium to be comparable to other companies for similar dwellings, in similar locations and with similar dates of construction. My deductible is approximately 10-15% lower with this company.
Erie Insurance Home Insurance Reviews
Date: November 24, 2018 Age: Above 60 Gender: Female Marital Status: Married
Customer Service
I am connected immediately with my agent. It's a local office and take care of my needs.
State Farm Home Insurance Reviews
Date: April 02, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I don't know too much about premium and deuctibles. I basically took the recommended list that the agent gave to me. They seem to be good.
Amica Mutual Insurance Home Insurance Reviews
Date: October 22, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
it is very usefull to interact the providers and they guide in very kind way
Farmer's Insurance Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I have auto insurance with Farmer's Insurance and has basic business liability insurance with INS. But in general, I have a healthy distrust and dislike for insurance companies.