Gavop's guide to buying homeowners insurance in Westphalia, MD covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Westphalia, MD - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Maxwell Dr, Eleanor Brooke Way, Claridge Ct, Noble Dr, Trueman Dr, Bronco Ct, S Grove, Brooklee Dr, Windsor Ct, Sansbury Rd | $198,000 | $160,000 | $200,000-$250,000 | $291,500 | $240,000 | $300,000-$350,000 |
| Moores Way, Kaufman Ct, Hatboro Pl, Wilkins Dr, Chester Grove Rd, Cherry Ln S, Cheryl Dr, Geaton Dr, Baumann Dr, Baxter Dr | $337,500 | $310,000 | $300,000-$350,000 | $460,500 | $410,000 | $400,000-$500,000 |
| Hartwell St, Carswell Ter, Wild Horse Ct, Pyles Dr, Brooke Ln, Shopton Dr, Shopton Ct, Joyce Dr, Linda Ln, Presidential Pkwy | $201,500 | $170,000 | $200,000-$250,000 | $351,500 | $290,000 | $350,000-$400,000 |
| Coltneck, N Grove, Castle Dr, Melwood Park Ave, Douglas Ave, Machinists Pl, Dogwood Park St, Robin Ln, Larwin Ct, Sansbury Rd | $454,500 | $420,000 | $400,000-$500,000 | $576,000 | $470,000 | $400,000-$500,000 |
| E Grove, W Grove, Eugenia Park St, Pope Ct, Brookdale Ln, Flowers Rd, Lincoln Ave, Marcando Ln, Hickory Park St, Francisco Ct | $200,500 | $170,000 | $200,000-$250,000 | $217,000 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $661 |
| Superior Protection Discount | -$71 | $716 |
| Fire & Security Discount | -$79 | $708 |
| Hail Resistant Roof Discount | -$24 | $763 |
| Newly Constructed Home Discount | -$220 | $567 |
| 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 |
| Prince George's County | $2,500 | $905 | $3,405 | $658 | $3,158 | $247 |
| Westphalia, MD | $700 | $778 | $1,478 | $565 | $1,265 | $213 |
| Landover, MD | $500 | $644 | $1,144 | $468 | $968 | $176 |
| Clinton, MD | $1,500 | $911 | $2,411 | $662 | $2,162 | $249 |
| Owings, MD | $300 | $1,576 | $1,876 | $1,145 | $1,445 | $431 |
| Hillandale, MD | $700 | $1,239 | $1,939 | $900 | $1,600 | $339 |
| Chevy Chase View, MD | $200 | $2,664 | $2,864 | $1,936 | $2,136 | $728 |
| Annapolis, MD | $700 | $1,206 | $1,906 | $877 | $1,577 | $330 |
| Dale City, VA | $300 | $937 | $1,237 | $681 | $981 | $256 |
| Long Beach, MD | $1,500 | $954 | $2,454 | $694 | $2,194 | $261 |
| Gainesville, VA | $500 | $1,132 | $1,632 | $823 | $1,323 | $309 |
| Hamilton, VA | $2,500 | $1,027 | $3,527 | $746 | $3,246 | $281 |
| Home Insurance Company Westphalia, MD | Homeowners Insurance Agency Westphalia, MD | Address | Popularity Score | Distance from Westphalia (miles) |
|---|---|---|---|---|
| State Farm | Lee Greenhowe | 11100 Liberty Rd Ste E, Randallstown, MD, 21133-1054 | 38.4 | |
| Erie | Klinger & Associates Inc. | 19785 Crystal Rock Drive Suite 301, Germantown, MD, 20874 | 33.3 | |
| State Farm | Justin Arnold | 3024 Mitchellville Rd, Bowie, MD, 20716-1387 | 7.9 | |
| Liberty Mutual Independent | Henry M Murray Agency Inc | 2498 Riva Rd , Annapolis, MD, 21401 | 18.0 | |
| State Farm | Jim Kearney | 9899 Main St Ste 201b, Damascus, MD, 20872-2039 | 37.1 | |
| Nationwide | The Wright Agency Inc | 2 W Rolling Crossroads Ste 208, Catonsville, MD, 21228-6211 | 32.3 | |
| State Farm | J. Blaine Somerville | 6000 Laurel Bowie Rd Ste 201, Bowie, MD, 20715-4026 | 9.8 | |
| Allstate | Mary Amshey | 8640 Guilford Rd Ste 212, Columbia, MD, 21046 | 22.9 | |
| Allstate | Kristina M. Palmer | 1400 Mercantile Ln Ste 128, Largo, MD, 20774 | 4.8 | |
| State Farm | Rich Tusing | 9418 Annapolis Rd Ste 105, Lanham, MD, 20706-3049 | 8.7 |
| 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 |
| Prince George's County, MD | $272,900 | $916 | $720 | $1,150 | $430 |
| Westphalia, MD | $334,000 | $787 | $620 | $990 | $370 |
| Landover, MD | $180,100 | $652 | $510 | $820 | $310 |
| Clinton, MD | $275,600 | $922 | $730 | $1,160 | $430 |
| Owings, MD | $459,100 | $1,595 | $1,260 | $2,010 | $750 |
| Hillandale, MD | $379,800 | $1,254 | $990 | $1,580 | $590 |
| Chevy Chase View, MD | $927,400 | $2,696 | $2,130 | $3,400 | $1,270 |
| Annapolis, MD | $395,900 | $1,221 | $960 | $1,540 | $580 |
| Dale City, VA | $286,900 | $948 | $640 | $1,350 | $710 |
| Long Beach, MD | $278,200 | $966 | $760 | $1,220 | $460 |
| Gainesville, VA | $411,800 | $1,146 | $770 | $1,640 | $870 |
| Hamilton, VA | $326,700 | $1,039 | $750 | $1,490 | $740 |