How Can I Make My Baltimore, MD Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Baltimore, MD by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Estimate Appropriate Baltimore, MD Home Insurance Coverage Levels | Back to Top

Baltimore, 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
S Bonsal St, Ethelbert Ave, Cloverhill Rd, Glenolden Ave, S Rosedale St, Birkwood Pl, Lynbrook Ave, E Saratoga St, Crest Rd, Hadley Sq N $212,500 $180,000 $200,000-$250,000 $301,000 $250,000 $350,000-$400,000
Mainfield Ave, W 36th St, Washburn Ave, Francis St, Benston Pl, Worsley St, Cherrycrest Rd, Albanene Pl, Roberts Pl, Enfield Rd $504,000 $420,000 $400,000-$500,000 $299,000 $270,000 $250,000-$300,000
Waycross Rd, Pubped Way, Friendship St, Woodbine Ave, Rockfield Ave, Birckhead St, Burgundy St, Annetta Ave, N Haubert St, Edwight Ct $251,000 $220,000 $200,000-$250,000 $207,000 $190,000 $200,000-$250,000
Seemuellers Ln, Callow Ave, Bareva Rd, Bush St, Witherspoon Rd, Wayne Ave, Daniels Ave, Pin Aly, Maemple Ln, Key Ave $141,000 $120,000 $150,000-$175,000 $131,500 $120,000 $100,000-$125,000
Canfield Ave, Barrington Rd, W 25th St, Fieldcrest Rd, Newbern Ave, Kittery Ln, Curtain Ave, E Pontiac Ave, Miller St, Hewitt Way $68,500 $60,000 $75,000-$100,000 $42,000 $40,000 $50,000-$75,000
Middleton Ct, Arcadia Ave, Hillman Ct, Tompkins St, Glenarm Ave, Sloatfield Ave, Bradhurst Rd, Hamill Ct, Ashley Ave, Green Meadow Pkwy $380,000 $320,000 $400,000-$500,000 $330,000 $300,000 $350,000-$400,000
Annapolis Rd, Tunstall Rd, Crestlyn Rd, N Forest Park Ave, Jonquil Ave, E Trenton St, Harding Pl, Amos Ave, W 36th St, 7th St $123,500 $110,000 $125,000-$150,000 $93,000 $80,000 $75,000-$100,000
Leahy St, Smith Ave, Aspen St, Spruce St, W 29th St, Saint Mary St, Warwick Rd, E Ostend St, Plover Ln, S Linwood Ave $100,000 $90,000 $75,000-$100,000 $84,000 $70,000 $75,000-$100,000
Tennant Way, Cranston Ave, Beechdale Rd, W Fort Ave, St Clair Xing, S Clinton St, Olympia Ave, Plum St, Jackson St, Morton St $317,000 $300,000 $250,000-$300,000 $170,500 $150,000 $150,000-$175,000
N Belnord Ave, Herndon Ct, Marlau Dr, Briarwood Rd, Park Dr, Emory Ln, Marlora Rd, Annabel Ave, Suffolk Rd, W Madison St $144,500 $120,000 $125,000-$150,000 $122,000 $120,000 $100,000-$125,000

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

Baltimore, MD Car Insurance Baltimore, MD Home Insurance
Details Audi, Q7 3.0 Quattro 4 Beds, 2 Baths, 1670 Square Feet worth $108500
Insurance Rates Individually $1,241.75 $2400
Savings from buying both from the same company $546.26

Choose the Right Deductible for your Baltimore, 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
Maryland $500 $1,190 $1,690 $1,010 $1,510 $180
Severn, MD $700 $960 $1,460 $800 $1,500 $-40
Baltimore, MD $2,500 $690 $1,190 $590 $3,090 $-1,900
Seabrook, MD $300 $1,330 $1,630 $1,090 $1,390 $240
College Park, MD $1,000 $1,340 $1,840 $1,150 $2,150 $-310
University Park, MD $300 $1,450 $1,750 $1,190 $1,490 $260
Kensington, MD $1,000 $1,770 $2,270 $1,440 $2,440 $-170
Queenstown, MD $200 $1,420 $1,620 $1,230 $1,430 $190
Port Deposit, MD $700 $1,120 $1,620 $960 $1,660 $-40
Hybla Valley, VA $100 $1,320 $1,420 $1,080 $1,180 $240
Cedarville, MD $1,500 $120 $620 $100 $1,600 $-980
Oak Grove, VA $200 $1,030 $1,230 $870 $1,070 $160

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

Home Insurance Company Baltimore, MD Homeowners Insurance Agency Baltimore, MD Address Popularity Score Distance from Baltimore (miles)
State Farm Melanie Cook 1201 Eastern Blvd, Essex, MD, 21221-3422
8.0
Nationwide Beidle Insurance Agency Inc 428 Crain Hwy Nw, Glen Burnie, MD, 21061-3047
9.0
Allstate Calvin Jones 1024 Eastern Blvd, Essex, MD, 21221
8.0
State Farm Michael Feliz 1945 Lansdowne Rd, Baltimore, MD, 21227-1707
4.4
State Farm David Charon 7310 Ritchie Hwy Ste 114, Glen Burnie, MD, 21061-3175
8.9
Allstate David Rubin 7310 Ritchie Hwy Ste 908, Glen Burnie, MD, 21061
8.9
State Farm Stephanie Owens 8766 Philadelphia Rd, Rosedale, MD, 21237-2333
7.3
State Farm Valerie Cherry 6800 York Rd, Baltimore, MD, 21212-1848
5.4
State Farm Lynn Vannatta 1055 Taylor Ave Ste 112, Baltimore, MD, 21286-8332
6.1
State Farm Troy King 4117 Patterson Ave, Baltimore, MD, 21215-2221
6.3

Compare Rates for Baltimore, MD Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Maryland $304,900 $1,370 $1,080 $1,730 $650
Severn, MD $336,600 $1,110 $880 $1,400 $520
Baltimore, MD $161,300 $890 $700 $1,120 $420
Seabrook, MD $275,900 $1,550 $1,220 $1,950 $730
College Park, MD $304,900 $1,130 $890 $1,420 $530
University Park, MD $427,600 $1,710 $1,350 $2,150 $800
Kensington, MD $654,500 $1,830 $1,450 $2,310 $860
Queenstown, MD $328,400 $1,080 $850 $1,360 $510
Port Deposit, MD $217,900 $1,290 $1,020 $1,630 $610
Hybla Valley, VA $334,000 $1,640 $1,130 $2,310 $1,180
Cedarville, MD $23,700 $100 $80 $130 $50
Oak Grove, VA $274,200 $1,450 $1,060 $2,070 $1,010

Research Home Insurance Companies Reviews in Baltimore, MD Before Buying | Back to Top

Share a review on your home insurance company


Allstate Home Insurance Reviews

Date: January 01, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The premium is very good because I have been a long time customer. It is lower then other company's I have looked at. The deductibles on my policy are in my opinion very reasonable. I could also get a different plan if I wanted to change the deductible.

Date: December 30, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
My insurance company polices are for me. If I am late on making a payment, they will help me with it until I make it.

Date: October 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
my insurance policy offers coverage for total loss of the house, and damage to property


Date: October 01, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
The website is very easy to navigate and also serves as a point of contact for my specific agent. The site itself is personalized to my insurance policy and provides easily accessible information, including contact information and support in the event of a claim.

Date: September 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
There are two employees who work at the agent's office that I am affiliated with, and both know me and my family by name. Very personalized experience.

Date: September 29, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I feel I am getting great coverage for my premium price and I don't think I could get more comprehensive coverage from any other company

Date: September 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
This premium is considerably less than the premium we were paying with our previous insurance company. I think that it is important to shop for insurance quotes every few years to ensure that you are not being taken advantage of.

Date: September 21, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Communication
The only downfall is that I only get updates Yearly on my insurance for the home, I wish I would get Semi-Annual reports.

Date: September 12, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
They will pay to have the house repaired or equal value to replace and also offer cash during the recovery period.


Date: September 11, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
Om my phone the app doesn't always seem to function with ease. It also can be hard to navigate and find my policy details.

Date: August 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
It is easy to get in contact with my agent and he or his employee is able to provide or find answers to any questions very quickly. They also handled all of my transition smoothly.

Date: August 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Communication
They do not contact us too many or too few times. I have had no issues whatsoever contacting them via phone and they don't send us ungodly amounts of junk mail.

Date: August 11, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
Living in our area its hard to find many options due to the hurricanes, so to have both my house and cars covered together was a blessing.

Date: August 08, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
Natural disasters, roofing, flood and fire damage, loss of property in the homein case of catastrophic damage, repair of property or furniture/fixtures iif applicable


Date: August 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
We experienced extensive flood damage when returning from vacation, about 20k worth. We called the emergency line and they immediately sent out repair and clean up crews at 11 pm to begin recovery. After the initial shock, everything was absolutely smooth sailing.

Date: July 25, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
every time I go into the store, they go out of their way to make sure my questions are answered and that I leave happy.

Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Allstate covers all loss, and also includes water damage in the event that something happens to our sump pump and the basement were to flood. There is also coverage for additional structures and loss of use.


Date: November 18, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Website/App
The website is very user-friendly and I can get in and out with not much hassle to see my premiums and plans.

USAA Home Insurance Reviews

Date: September 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
Excellent customer service. Attentive to all needs and concerns. Customer service agents are always professional and kind and helpful. They explain everything and make sure I understand.

Date: April 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
i think is very flexible and offers alot of services that other companies offer but with better benefits and also the more you ensure with them the more you save


Date: April 02, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I do car insurance, investment, and banking through USAA as well and any time I have issues I am able to handle it efficiently through customer service.

Date: September 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
The premium that I have is approximately ten percent lower than that of the competing insurance companies I requested quotes from.

Date: September 25, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
I like the ease in which I can look up my policy information and file a claim if I need to. I also like that my auto and home owners insurance are next to each other on the website.

Date: September 10, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like their communication methods. I can choose to receive emails, have notifications within their website on my home page, or I can just speak with them directly if I need to call them.

Date: August 27, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
I like that the customer service representatives are patient, kind, and always willing to offer help. They are respectful the fact that I am a veteran.

Date: August 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
My home owner policy covers theft, fire damage, flood damage, and personal liability. My policy also covers any items that I may have stored in my storage unit.


Date: August 04, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
My home is covered against fire, theft, hail, and other perils. I have a deductible of $1000. I have a blanket policy to cover items such as firearms and jewelry.


Date: November 29, 2017    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
USAA's website is very well-designed and easy to use. I love that I can chat with an associate and I can adjust my homepage to my personal preferences.

Date: November 19, 2017    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I love USAA's customer service. Every time I call them with a question, every associate I"'ve spoken with are very friendly and helpful.

Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My insurance premium is almost the same as it was when I was covered by State Farm and other companies that I shopped around with.

Utica National Insurance Home Insurance Reviews

Date: September 30, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
They don't have one. Or at least I don't know about the website. I also have never directly spoken to them my agent does that.

Date: September 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
As far as I can tell they are the CHEAPEST in our area.

Date: August 26, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
I think it's too expensive and they keep raising the rates every year. 4 years we have never use them, yet our rates rise a lot every year. IT shouldn't be that way.


Date: January 29, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
I get the yearly statement of rates, but never an explanation as to why they raised their rates.

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
They have great customer service, I usually go thru my agent, but he loves them.

State Farm Home Insurance Reviews

Date: July 30, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I've had nothing but a great experience with them for the past 4 years. They are able to answer questions and help me when I need it. Amanda is my agent and she's also extremely professional.

Date: June 04, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Female

Customer Service
Service is good but kind of flakey. It is always the same person so that is nice. I do wish there was a better online policy access.

Date: February 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Customer Service
I would rate State Farm's customer service at 4. They are always very accommodating when I have questions and wait times are short.

GEICO Home Insurance Reviews

Date: December 02, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Premium
My current insurance premium is 50% of what it was with State Farm and my current deductible is much lower than it used to be.

Amica Mutual Insurance Home Insurance Reviews

Date: November 18, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
The deductables are kind of high so if you have a claim you do have to come out of pocket to get repairs done.

Farmer's Insurance Home Insurance Reviews

Date: September 09, 2019    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
I am very happy to be a member of this insurance company, and i will recommend it to any senior.


Progressive Home Insurance Reviews

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