How Can I Make My Germantown, MD Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Germantown, 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 Germantown, MD Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $185,000 | $150,000 | $200,000-$250,000 |
| 3 Bedroom | $309,500 | $280,000 | $350,000-$400,000 |
| 4 Bedroom | $330,000 | $280,000 | $350,000-$400,000 |
| 5 Bedroom | $379,500 | $320,000 | $400,000-$500,000 |
Estimate your Savings with Home Insurance Discounts in Germantown, MD | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $869 |
| Superior Protection Discount | -$101 | $909 |
| Fire & Security Discount | -$81 | $929 |
| Hail Resistant Roof Discount | -$20 | $990 |
| Newly Constructed Home Discount | -$273 | $737 |
Choose the Right Deductible for your Germantown, 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 |
| Montgomery County | $2,000 | $1,457 | $3,457 | $1,059 | $3,059 | $398 |
| Germantown, MD | $1,500 | $998 | $2,498 | $725 | $2,225 | $273 |
| Chevy Chase Section Three, MD | $300 | $2,786 | $3,086 | $2,025 | $2,325 | $761 |
| Vienna, VA | $700 | $1,099 | $1,799 | $799 | $1,499 | $300 |
| Loch Lomond, VA | $500 | $983 | $1,483 | $714 | $1,214 | $269 |
| Haymarket, VA | $2,500 | $1,236 | $3,736 | $898 | $3,398 | $338 |
| Mays Chapel, MD | $2,500 | $861 | $3,361 | $626 | $3,126 | $235 |
| Manchester, MD | $500 | $957 | $1,457 | $696 | $1,196 | $262 |
| Hampton, MD | $700 | $1,476 | $2,176 | $1,073 | $1,773 | $403 |
| Wayne Heights, PA | $300 | $767 | $1,067 | $557 | $857 | $210 |
| Mont Alto, PA | $2,500 | $688 | $3,188 | $500 | $3,000 | $188 |
Identify Top Home Insurance Agents near Germantown, MD | Back to Top
| Home Insurance Company Germantown, MD | Homeowners Insurance Agency Germantown, MD | Address | Popularity Score | Distance from Germantown (miles) |
|---|---|---|---|---|
| Farmers | Alan Jones | 1752 Eastern Blvd, Essex, MD, 21221 | 44.8 | |
| Liberty Mutual Independent | Bogart & Brownell Of Md Inc. | 7648 Standish Place, Rockville, MD, 20855 | 7.3 | |
| State Farm | Kim Musser | 10724 Little Patuxent Pkwy, Columbia, MD, 21044-3342 | 21.1 | |
| Travelers | Atlantic Insurance Group Llc | 2331 York Rd Ste 301, Timonium, MD, 21093 | 38.9 | |
| State Farm | Zach Armiger | 843 Quince Orchard Blvd Suite H, Gaithersburg, MD, 20878-1626 | 3.0 | |
| Travelers | United Insurance & Investments | 204 Monroe St #210, Rockville, MD, 20850 | 8.9 | |
| Travelers | Watson & Watson | 16033 Comprint Circle, Gaithersburg, MD, 20877 | 5.7 | |
| Nationwide | Herb Krusen Insurance Group Inc | 1057 Rockville Pike, Rockville, MD, 20852-1403 | 10.0 | |
| Travelers | Afam Insurance Group Llc | 1 Research Ct Ste 450, Rockville, MD, 20850 | 6.3 | |
| Nationwide | Mullings & Associates Insurance Llc | 963 Russell Ave Ste B, Gaithersburg, MD, 20879-3287 | 2.8 |
Compare Rates for Germantown, 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 |
| Montgomery County, MD | $467,500 | $1,475 | $1,170 | $1,860 | $690 |
| Germantown, MD | $326,600 | $1,010 | $800 | $1,270 | $470 |
| Chevy Chase Section Three, MD | $992,500 | $2,820 | $2,230 | $3,550 | $1,320 |
| Vienna, VA | $687,000 | $1,113 | $810 | $1,580 | $770 |
| Loch Lomond, VA | $292,700 | $995 | $710 | $1,420 | $710 |
| Haymarket, VA | $417,300 | $1,251 | $860 | $1,740 | $880 |
| Mays Chapel, MD | $371,900 | $872 | $690 | $1,100 | $410 |
| Manchester, MD | $279,900 | $969 | $770 | $1,220 | $450 |
| Hampton, MD | $438,400 | $1,494 | $1,180 | $1,880 | $700 |
| Wayne Heights, PA | $187,300 | $776 | $540 | $1,090 | $550 |
| Mont Alto, PA | $145,500 | $696 | $490 | $950 | $460 |
Research Home Insurance Companies Reviews in Germantown, MD Before Buying | Back to Top
Share a review on your home insurance company
USAA Home Insurance Reviews
Date: December 28, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I don't have a frame of reference, since we've always used this company as our home insurer. However, on the face of it, the rates seem reasonable for the level of coverage we have.
Date: May 29, 2019 Age: 30 to 39 Gender: Married Marital Status: Male
Customer Service
I have dealt with my local agency and absolutely love them!!! They are always so helpful and happy I tell all my friends about them.
Date: January 24, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
We have not had a negative experience with the home insurance through USAA, though we have not had to use the home insurance for any claims as of today.
Date: January 15, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I have had only excellent experiences with USAA when dealing with them about any issue or question regarding my home insurance policy.
Date: November 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The other companies I looked at had a much higher premium than USAA. They offered the same coverage, but at a price that was never going to be able to compete with what I already have with USAA.
Allstate Home Insurance Reviews
Date: January 06, 2020 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I am completely satisfied because there are a lot of levels of coverage and they include all the potential problems that could go on down the line, and then depending on your needs and financial situation you get to choose the policy.
Date: June 10, 2019 Age: 20 to 29 Gender: Married Marital Status: Female
Premium
Our premium and deductible from Allstate was the most fair and lowest for the coverage we have. We looked at a few others that were close in price but did not offer as much.
State Farm Home Insurance Reviews
Date: January 08, 2020 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I am satisfied with my premiums, but then again, I have not taken any time to do research into different options. I've never felt that my premiums were bad.
Date: October 19, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Customer Service
State Farm is a respectable company with a good reputation, they have very knowledgeble employees that know how to help you.
Amica Mutual Insurance Home Insurance Reviews
Date: November 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
my policy covers many items of my home, furniture, kitchen items, and all those items that are inside the house, this is a responsible company
Date: October 20, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
when compare to other companies it is very usefull and easy to communicate the agent
Progressive Home Insurance Reviews
Date: February 05, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Every time we have had any issues or any reason to call Progressive, we have had a pleasant experience. We have not been put on hold for long periods of time which we appreciate.
Erie Insurance Home Insurance Reviews
Date: August 12, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
It seems fair. I don't feel like I pay too much for what is provided to me.
Nationwide Home Insurance Reviews
Date: December 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
High deductible due to decision to self insure up to higher limit due to true market value of house compared to rehab cost.
GEICO Home Insurance Reviews
Date: July 03, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I am happy to give Geico a 5. They have handled all of our insurance needs for years and we have been extremely satisfied.The claims agents are always on time, and effective.