Gavop shows you how to buy homeowners insurance in Caroline 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.
| Caroline County, MD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Valentine St, Tall Tree Ln, Shore Dr, McCarthy Ln, State Hwy 328, Gateway Ln, Academy St, Henry Rd, Fueller Dr, Maryland Ave | $127,000 | $110,000 | $100,000-$125,000 | $117,500 | $100,000 | $100,000-$125,000 |
| Cedar Pl, Oak Grove Rd, Clarks Ln, Colonial Dr, Engerman Ave, Oldtown Rd, State Hwy 16, Jones Rd, Greenwood Rd, Dorothy Ln | $298,500 | $270,000 | $250,000-$300,000 | $215,000 | $200,000 | $200,000-$250,000 |
| Duffers Dell, Klein St, Vernon Ave, Williams St, S Main St, Mallard Dr, State Hwy 16, Westerly Dr, Wilhelm Rd, Garland Rd | $202,000 | $190,000 | $200,000-$250,000 | $128,500 | $110,000 | $125,000-$150,000 |
| S 6th St, Woodyard Rd, 4th St, Church St, Gerardi Blvd, White Rd, Piney Branch Ln, Harman Rd, University Ave N, Nelpine Rd | $217,500 | $190,000 | $200,000-$250,000 | $191,500 | $180,000 | $150,000-$175,000 |
| Smithville Rd, Seaman Rd, Todds Wharf Rd, Zacharias Mill Rd, Martin Ln, Baker Rd, Double Hills Rd, Suldersville Goldsboro Rd, Hobbs St, Mitchell Rd | $187,000 | $170,000 | $175,000-$200,000 | $158,000 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$134 | $655 |
| Superior Protection Discount | -$79 | $710 |
| Fire & Security Discount | -$55 | $733 |
| Hail Resistant Roof Discount | -$24 | $765 |
| Newly Constructed Home Discount | -$158 | $631 |
| 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 |
| Caroline County | $700 | $779 | $1,479 | $566 | $1,266 | $213 |
| Caroline County, MD | $1,000 | $779 | $1,779 | $566 | $1,566 | $213 |
| Preston, MD | $300 | $792 | $1,092 | $576 | $876 | $217 |
| Magnolia, DE | $1,500 | $579 | $2,079 | $421 | $1,921 | $158 |
| Kennedyville, MD | $100 | $733 | $833 | $533 | $633 | $200 |
| Delmar, MD | $1,500 | $690 | $2,190 | $501 | $2,001 | $188 |
| Smyrna, DE | $100 | $654 | $754 | $475 | $575 | $179 |
| Arnold, MD | $2,500 | $1,013 | $3,513 | $736 | $3,236 | $277 |
| North Beach, MD | $300 | $1,035 | $1,335 | $752 | $1,052 | $283 |
| Cape May Point, NJ | $400 | $2,159 | $2,559 | $1,569 | $1,969 | $590 |
| Home Insurance Company Caroline County, MD | Homeowners Insurance Agency Caroline County, MD | Address | Popularity Score | Distance from Caroline County (miles) |
|---|---|---|---|---|
| State Farm | Natasha Parker | 617 Aa Stemmers Run Rd, Baltimore, MD, 21221 | 46.4 | |
| State Farm | Justin Arnold | 3024 Mitchellville Rd, Bowie, MD, 20716-1387 | 48.8 | |
| State Farm | Richard Phillips | 9707 Ocean Gtwy, Easton, MD, 21601-6005 | 12.8 | |
| Liberty Mutual Independent | Bay Area Insurance Group Llc | 818 E College Pkwy, Annapolis, MD, 21409 | 34.6 | |
| Allstate | Scott Shrewsbury | 1835 Forest Dr Ste B, Annapolis, MD, 21401 | 38.0 | |
| Travelers | Gondeck Insurance Agency | 8543 Legion Rd, Denton, MD, 21629 | 3.1 | |
| Allstate | Matthew Valcich | 6216 Eastern Ave, Baltimore, MD, 21224 | 47.8 | |
| Allstate | Shawn Goding | 1794 Merritt Blvd, Dundalk, MD, 21222 | 45.3 | |
| Travelers | William T Hunt Insurance | 436 Race St, Cambridge, MD, 21613 | 24.7 | |
| State Farm | Laurie Jacobson | 4200 North Point Blvd, Baltimore, MD, 21222-3631 | 43.4 |
| 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 |
| Caroline County, MD | $201,200 | $789 | $620 | $990 | $370 |
| Caroline County, MD | $201,200 | $789 | $620 | $990 | $370 |
| Preston, MD | $195,000 | $802 | $630 | $1,010 | $380 |
| Magnolia, DE | $145,800 | $586 | $460 | $780 | $320 |
| Kennedyville, MD | $160,700 | $742 | $590 | $930 | $340 |
| Delmar, MD | $135,700 | $698 | $550 | $880 | $330 |
| Smyrna, DE | $221,800 | $662 | $520 | $880 | $360 |
| Arnold, MD | $427,000 | $1,025 | $810 | $1,290 | $480 |
| North Beach, MD | $312,300 | $1,048 | $830 | $1,320 | $490 |
| Cape May Point, NJ | $709,200 | $2,185 | $1,570 | $3,020 | $1,450 |