How Can I Make My Lutherville, MD Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Lutherville, 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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No	Topics
1	Research How your Lutherville, MD Home Impacts your Rates
2	Match your Background to Lutherville, MD Home Insurance Offers
3	Optimize your Lutherville, MD Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near Lutherville, MD
5	Compare Rates from Home Insurance Companies in Lutherville, MD

Select the Suitable Coverage Value for your Lutherville, MD Home | Back to Top

Bedrooms	Average Home Value	Estimated Replacement Value	Recommended Home Insurance Coverage
1 Bedroom	$91,000	$70,000	$100,000-$125,000
2 Bedroom	$258,500	$240,000	$200,000-$250,000
3 Bedroom	$195,500	$180,000	$200,000-$250,000
4 Bedroom	$379,000	$340,000	$400,000-$500,000
5 Bedroom	$238,500	$190,000	$200,000-$250,000

Bundle your Lutherville, MD Auto & Home Insurance from the Same Company | Back to Top

Bundling Type	Discount ($)	Premium After Discount ($)
Home and One Car	-$72	$729
Home and Two Car	-$136	$664
Home and Three Car	-$184	$616

Choose the Right Deductible for your Lutherville, 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
Lutherville, MD	$1,500	$791	$2,291	$575	$2,075	$216
Owings Mills, MD	$300	$861	$1,161	$625	$925	$235
Stewartstown, PA	$1,000	$729	$1,729	$530	$1,530	$199
Lake Shore, MD	$300	$843	$1,143	$613	$913	$230
North Laurel, MD	$700	$1,119	$1,819	$813	$1,513	$306
Seven Valleys, PA	$500	$703	$1,203	$511	$1,011	$192
Union Bridge, MD	$700	$783	$1,483	$569	$1,269	$214
Fairwood, MD	$200	$1,571	$1,771	$1,142	$1,342	$429
West York, PA	$2,500	$597	$3,097	$434	$2,934	$163
Seat Pleasant, MD	$500	$748	$1,248	$544	$1,044	$204
Weigelstown, PA	$2,000	$644	$2,644	$468	$2,468	$176

Identify Top Home Insurance Agents near Lutherville, MD | Back to Top

Home Insurance Company Lutherville, MD	Homeowners Insurance Agency Lutherville, MD	Address	Distance from Lutherville (miles)
State Farm	Melanie Cook	1201 Eastern Blvd, Essex, MD, 21221-3422	11.3
State Farm	Bob Duda	7939 Honeygo Blvd Ste 105, Baltimore, MD, 21236-5991	8.6
State Farm	Michael Derocher	8600 Foundry Street, Savage, MD, 20763-9512	22.8
State Farm	Lynn Vannatta	1055 Taylor Ave Ste 112, Baltimore, MD, 21286-8332	3.6
State Farm	Tim Alexander	5 Shawan Rd Ste 102, Hunt Valley, MD, 21030-1373	5.3
State Farm	J. Blaine Somerville	6000 Laurel Bowie Rd Ste 201, Bowie, MD, 20715-4026	32.1
State Farm	Brad Heden	9601 Reisterstown Rd, Owings Mills, MD, 21117-4129	7.6
State Farm	Loretta Johnson	1406 York Rd Ste 100, Lutherville, MD, 21093-6049	0.4
Allstate	Bill Guthridge	6420 Dobbin Rd Ste E, Columbia, MD, 21045	19.1
Nationwide	Norman Bell	10 Crossroads Dr Ste 103, Owings Mills, MD, 21117-5459	7.5

Compare Rates for Lutherville, 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
Lutherville, MD	$340,500	$801	$630	$1,010	$380
Owings Mills, MD	$246,500	$871	$690	$1,100	$410
Stewartstown, PA	$166,800	$738	$500	$1,020	$520
Lake Shore, MD	$364,000	$853	$670	$1,070	$400
North Laurel, MD	$342,800	$1,133	$900	$1,430	$530
Seven Valleys, PA	$153,400	$712	$510	$980	$470
Union Bridge, MD	$190,100	$793	$630	$1,000	$370
Fairwood, MD	$458,000	$1,590	$1,260	$2,000	$740
West York, PA	$103,600	$604	$440	$860	$420
Seat Pleasant, MD	$169,300	$757	$600	$950	$350
Weigelstown, PA	$147,800	$652	$460	$930	$470