Gavop's guide to buying homeowners insurance in Fountainhead-Orchard Hills, 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.
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Newly Constructed Home | -$164 | $580 |
| 30 year old | +$11 | $755 |
| 40 year old | +$19 | $763 |
| 50 year old | +$28 | $772 |
| Above 50 year old | +$36 | $779 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $617 |
| Superior Protection Discount | -$74 | $669 |
| Fire & Security Discount | -$67 | $676 |
| Hail Resistant Roof Discount | -$15 | $729 |
| Newly Constructed Home Discount | -$201 | $543 |
| 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 | $2,000 | $786 | $2,786 | $571 | $2,571 | $215 |
| Fountainhead-Orchard Hills, MD | $700 | $734 | $1,434 | $534 | $1,234 | $201 |
| Metal, PA | $2,000 | $714 | $2,714 | $519 | $2,519 | $195 |
| Middleway, WV | $300 | $793 | $1,093 | $576 | $876 | $217 |
| Great Cacapon, WV | $1,500 | $622 | $2,122 | $452 | $1,952 | $170 |
| Aspers, PA | $100 | $579 | $679 | $421 | $521 | $158 |
| Shade Gap, PA | $2,500 | $550 | $3,050 | $400 | $2,900 | $150 |
| Three Springs, PA | $300 | $621 | $921 | $452 | $752 | $170 |
| Everett, PA | $700 | $554 | $1,254 | $403 | $1,103 | $151 |
| Cascades, VA | $100 | $1,053 | $1,153 | $765 | $865 | $288 |
| Schlusser, PA | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Home Insurance Company Fountainhead-Orchard Hills, MD | Homeowners Insurance Agency Fountainhead-Orchard Hills, MD | Address | Popularity Score | Distance from Fountainhead-Orchard Hills (miles) |
|---|---|---|---|---|
| Allstate | Terry Fincham | 12805 Oak Hill Ave, Hagerstown, MD, 21742 | 1.7 | |
| Liberty Mutual Independent | Odonovan & Associates Inc | 3881 Ten Oaks Rd 2e, Glenelg, MD, 21737 | 48.7 | |
| Allstate | George Cochrane | 3508 Worthington Blvd Ste 101, Frederick, MD, 21704 | 31.5 | |
| Erie | Matney Insurance Services | 4311 Ridge Road, Mount Airy, MD, 21771 | 37.2 | |
| Erie | A To Z Insurance Services Llc | 10226 Governor Lane Blvd # 4007, Williamsport, MD, 21795 | 7.9 | |
| Erie | Cumberland Valley Insurance Inc. | 18537 Maugans Avenue, Hagerstown, MD, 21742 | 0.5 | |
| Travelers | Health Insurance Specialists Inc | 17620-B Redland Rd, Rockville, MD, 20855 | 48.4 | |
| Erie | Jean Shank Insurance Associates Inc. | 703 Oak Hill Avenue, Hagerstown, MD, 21740 | 2.5 | |
| Liberty Mutual Independent | Advantage Group Inc | 205 E Main St 2nd Fl, Westminster, MD, 21157 | 39.6 | |
| State Farm | Tim Hopkins | 510 Old Wstmnstr Pike, Westminster, MD, 21157-6224 | 40.4 |
| 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 |
| Fountainhead-Orchard Hills, MD | $239,800 | $743 | $590 | $940 | $350 |
| Metal, PA | $158,800 | $723 | $490 | $1,020 | $530 |
| Middleway, WV | $205,900 | $802 | $590 | $1,140 | $550 |
| Great Cacapon, WV | $84,800 | $630 | $450 | $870 | $420 |
| Aspers, PA | $96,700 | $586 | $430 | $840 | $410 |
| Shade Gap, PA | $85,400 | $557 | $370 | $770 | $400 |
| Three Springs, PA | $114,400 | $629 | $450 | $900 | $450 |
| Everett, PA | $87,200 | $561 | $390 | $770 | $380 |
| Cascades, VA | $477,000 | $1,066 | $720 | $1,510 | $790 |
| Schlusser, PA | $164,500 | $683 | $490 | $970 | $480 |