How Can I Make My Cumberland, MD Home Insurance Cheaper
Gavop tells you how to get the best homeowners insurance in Cumberland, 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 Cumberland, MD Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $55,500 | $50,000 | $25,000-$50,000 |
| 2 Bedroom | $95,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $109,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $226,000 | $210,000 | $250,000-$300,000 |
| 5 Bedroom | $266,500 | $240,000 | $200,000-$250,000 |
Bundle your Cumberland, MD Auto & Home Insurance from the Same Company | Back to Top
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$74 | $750 |
| Home and Two Car | -$140 | $684 |
| Home and Three Car | -$190 | $635 |
Choose the Right Deductible for your Cumberland, 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 |
| Allegany County | $700 | $642 | $1,342 | $467 | $1,167 | $175 |
| Cumberland, MD | $1,500 | $814 | $2,314 | $592 | $2,092 | $223 |
| Allegany County, MD | $300 | $642 | $942 | $467 | $767 | $175 |
| Carlos, MD | $700 | $600 | $1,300 | $436 | $1,136 | $164 |
| Hyndman, PA | $400 | $521 | $921 | $378 | $778 | $142 |
| Somerset, PA | $1,000 | $705 | $1,705 | $512 | $1,512 | $193 |
| Ursina, PA | $400 | $521 | $921 | $378 | $778 | $142 |
| Lincoln, PA | $1,000 | $657 | $1,657 | $477 | $1,477 | $180 |
| Pinesburg, MD | $400 | $747 | $1,147 | $543 | $943 | $204 |
| Bear Rocks, PA | $1,500 | $711 | $2,211 | $517 | $2,017 | $194 |
| Dunbar, PA | $500 | $717 | $1,217 | $521 | $1,021 | $196 |
Identify Top Home Insurance Agents near Cumberland, MD | Back to Top
| Home Insurance Company Cumberland, MD | Homeowners Insurance Agency Cumberland, MD | Address | Popularity Score | Distance from Cumberland (miles) |
|---|---|---|---|---|
| Travelers | Kmk Insurance Agency | 63 Henderson Ave, Cumberland, MD, 21502 | 0.3 | |
| Erie | Yoder-Hershberger Insurance Llc | 12588 National Pike, Grantsville, MD, 21536 | 18.5 | |
| Travelers | Kmk Insurance Agency | 63 Henderson Avenue, Cumberland, MD, 21502 | 0.3 | |
| State Farm | Cathy Carpenter | 1320 National Hwy, Lavale, MD, 21502-7605 | 4.9 | |
| Erie | Livengood Agency Llc | 721 Park Street, Cumberland, MD, 21502 | 0.3 | |
| Allstate | Workmeister Agency | 139 N Centre St Po Box 410, Cumberland, MD, 21502 | 0.4 | |
| State Farm | Sharon Elbin | 215 N Pennsylvania Ave, Hancock, MD, 21750-1017 | 31.1 | |
| Travelers | Cbiz Insurance Services | 44 Baltimore St, Cumberland, MD, 21502 | 0.3 | |
| Allstate | Joe Marsh | 90 E Main St, Frostburg, MD, 21532 | 9.0 | |
| State Farm | Denny Delaney | 233 E Main St, Frostburg, MD, 21532-1941 | 8.6 |
Compare Rates for Cumberland, 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 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Cumberland, MD | $89,600 | $824 | $650 | $1,040 | $390 |
| Allegany County, MD | $119,900 | $650 | $510 | $820 | $310 |
| Carlos, MD | $86,500 | $607 | $480 | $760 | $280 |
| Hyndman, PA | $75,000 | $527 | $380 | $740 | $360 |
| Somerset, PA | $104,900 | $713 | $510 | $1,010 | $500 |
| Ursina, PA | $75,000 | $527 | $360 | $740 | $380 |
| Lincoln, PA | $130,500 | $665 | $480 | $910 | $430 |
| Pinesburg, MD | $169,100 | $756 | $600 | $950 | $350 |
| Bear Rocks, PA | $157,300 | $720 | $490 | $1,020 | $530 |
| Dunbar, PA | $88,700 | $726 | $520 | $990 | $470 |
Research Home Insurance Companies Reviews in Cumberland, MD Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: February 04, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Policy Offerings
I would rate policy offerings at a 4 because while they are pretty much always great, there is a general lack of discounts as of lately, though as I said the prices are in general prett fair.
Date: December 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
Being a part of State Farm insurance comapny, i must say that my premium is sort of high compare toother companies and the deductible is high as well.
USAA Home Insurance Reviews
Date: April 13, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I know that our premium is fairly high, but we also have good coverage so I think that it's about normal.
Date: January 29, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
I would say it's on par with most other insurances. I haven't had to use it for anything much so far, so I have not had an negative things happen in regards to it. Although, I am sure they would do their best to help me solve any issues and try to cover more than they necessarily should.
Progressive Home Insurance Reviews
Date: January 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Every year my premium keeps going up. I was actually just thinking about calling other companies to see if they have lower rates. My deductible was chosen by me and it is $1,000 which I think is about average.
AAA Home Insurance Reviews
Date: October 24, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
They are always available and I can call and talk to someone immediately. That is important to me. I like quick customer service.