Gavop shows you how to buy homeowners insurance in Talbot County, MD by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $109,500 | $90,000 | $125,000-$150,000 |
| 2 Bedroom | $195,500 | $170,000 | $200,000-$250,000 |
| 3 Bedroom | $353,500 | $290,000 | $250,000-$300,000 |
| 4 Bedroom | $396,000 | $330,000 | $400,000-$500,000 |
| 5 Bedroom | $416,500 | $350,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$182 | $828 |
| Superior Protection Discount | -$91 | $919 |
| Fire & Security Discount | -$111 | $899 |
| Hail Resistant Roof Discount | -$20 | $990 |
| Newly Constructed Home Discount | -$242 | $768 |
| 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 |
| Talbot County | $700 | $998 | $1,698 | $725 | $1,425 | $273 |
| Talbot County, MD | $2,000 | $998 | $2,998 | $725 | $2,725 | $273 |
| Arnold, MD | $100 | $1,013 | $1,113 | $736 | $836 | $277 |
| Crownsville, MD | $1,500 | $1,224 | $2,724 | $890 | $2,390 | $335 |
| Blades, DE | $400 | $575 | $975 | $418 | $818 | $157 |
| Woodside, DE | $1,000 | $653 | $1,653 | $475 | $1,475 | $178 |
| Silver Hill, MD | $300 | $696 | $996 | $506 | $806 | $190 |
| Mount Rainier, MD | $1,000 | $832 | $1,832 | $604 | $1,604 | $227 |
| Rossville, MD | $500 | $717 | $1,217 | $521 | $1,021 | $196 |
| Adelphi, MD | $2,500 | $788 | $3,288 | $572 | $3,072 | $215 |
| West Laurel, MD | $400 | $1,168 | $1,568 | $849 | $1,249 | $319 |
| Fulton, MD | $1,000 | $2,008 | $3,008 | $1,459 | $2,459 | $549 |
| Home Insurance Company Talbot County, MD | Homeowners Insurance Agency Talbot County, MD | Address | Popularity Score | Distance from Talbot County (miles) |
|---|---|---|---|---|
| Travelers | Jack Martin Insurance Advisors | 111 Forbes Street, Annapolis, MD, 21401 | 24.1 | |
| Allstate | Brian Burnell | 700 Abruzzi Dr Ste A, Chester, MD, 21619 | 16.2 | |
| State Farm | Jim Brown | 110 S Piney Rd Ste 108, Chester, MD, 21619-2883 | 16.2 | |
| State Farm | Chuck Norris Morgan | 6430 Dobbin Rd Ste A, Columbia, MD, 21045-4899 | 46.3 | |
| State Farm | Scott Garvey | 3818 Roland Ave, Baltimore, MD, 21211-2003 | 47.2 | |
| Travelers | International Marine Insurance Services | 110 Channel Marker Way #200, Grasonville, MD, 21638 | 15.3 | |
| State Farm | Daryl Watson | 3531 Washington Blvd Ste 226, Baltimore, MD, 21227-1634 | 43.5 | |
| State Farm | Tom Corbitt | 614 Old Edmondson Ave, Catonsville, MD, 21228-3306 | 47.1 | |
| State Farm | Richard Moore | 8131 Ritchie Hwy Ste H, Pasadena, MD, 21122-6940 | 33.9 | |
| Travelers | First Insurance Services | 166 West St, Annapolis, MD, 21401 | 23.4 |
| 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 |
| Talbot County, MD | $326,300 | $1,010 | $800 | $1,270 | $470 |
| Talbot County, MD | $326,300 | $1,010 | $800 | $1,270 | $470 |
| Arnold, MD | $427,000 | $1,025 | $810 | $1,290 | $480 |
| Crownsville, MD | $375,700 | $1,239 | $980 | $1,560 | $580 |
| Blades, DE | $143,800 | $582 | $460 | $770 | $310 |
| Woodside, DE | $187,500 | $661 | $520 | $880 | $360 |
| Silver Hill, MD | $169,700 | $705 | $560 | $890 | $330 |
| Mount Rainier, MD | $293,800 | $842 | $660 | $1,060 | $400 |
| Rossville, MD | $229,100 | $726 | $570 | $910 | $340 |
| Adelphi, MD | $270,700 | $797 | $630 | $1,000 | $370 |
| West Laurel, MD | $358,600 | $1,182 | $930 | $1,490 | $560 |
| Fulton, MD | $623,600 | $2,032 | $1,610 | $2,560 | $950 |