Gavop shows you how to buy homeowners insurance in Washington 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.
| Washington 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 | |
| Maze Ln, Cottonwood Dr, Greentree Ln, E Antietam St, Trails End Ln, Sunset Strip, Martin Cir, Tanglewood Ct, Schaller Ln, Eastern Blvd S | $161,000 | $140,000 | $125,000-$150,000 | $182,500 | $170,000 | $200,000-$250,000 |
| Rush Run Rd, Four Locks Rd, Deer Path, St Roberts Dr, Oak Springs Rd, Ashfield Ct, Emily Way, Pangborn Blvd, Sapphire Dr, W Hillcrest Rd | $139,500 | $110,000 | $125,000-$150,000 | $149,000 | $130,000 | $125,000-$150,000 |
| Gruber Rd, White Pine Dr, Doub Way, Alpine Dr, Picadilly Dr, Beck Rd, Mineral Ave, S Valley Dr, Miles Farm Ln, Burnside Bridge Rd | $161,000 | $130,000 | $175,000-$200,000 | $113,500 | $100,000 | $125,000-$150,000 |
| Wayne Ave, Hess Rd, Harbinger Ct, Blooms Ave, Hastings Dr, Reading Dr, Hump Rd, Yarrowsburg Rd, Walnut Ln, Park Hall Rd | $184,500 | $150,000 | $150,000-$175,000 | $98,000 | $90,000 | $100,000-$125,000 |
| Goldizen Ln, Holiday Cir, Potomac Ave, Sharon Dr, Wise Rd, Pot O Gold Ct, Mc Coy Rd, Foxcroft Dr, Myers Meadow Ln, Delaware Ln | $358,500 | $290,000 | $350,000-$400,000 | $179,500 | $170,000 | $150,000-$175,000 |
| Redbud Ln, Tiger Way, Binkley Ave, Wilcox Dr, Coffman Farm Rd, Clarendon Ave, Leitersburg Pike, Jason's Ridge, Emmert Rd, Snyder Ave | $231,500 | $200,000 | $200,000-$250,000 | $143,000 | $130,000 | $125,000-$150,000 |
| Linden Ave, Weaver Ave, Joshua Thomas Ln, Ridenour Rd, Longstreet Dr, Falling Waters Rd, Horseshoe Bend Rd, Park Vw, Grove Ave, Johnson Ter | $228,000 | $180,000 | $200,000-$250,000 | $141,500 | $120,000 | $125,000-$150,000 |
| Grason Ln, State Hwy 494, Smith St, Woodlawn Dr, Windy Haven Rd, Paradise Church Rd, Merrbaugh Dr, Pikeside Dr, Park Ave, Partridge Trl | $193,000 | $170,000 | $200,000-$250,000 | $155,500 | $140,000 | $175,000-$200,000 |
| W Water St, Broadfording Church Rd, Cascade Rd, General Stuart Ct, Oliver Dr, Geiser Way, Gettysburg Way, Amanda Dr, Cardinal Ave, Hillview Dr | $234,000 | $190,000 | $200,000-$250,000 | $161,500 | $150,000 | $175,000-$200,000 |
| State Hwy 34, Pope Ave, Brightwood Dr, Monument Dr, State Hwy 494, Hawks Landing Ln, Orchard Dr, Red Maple Dr, Conrad Ct, Redman St | $232,500 | $220,000 | $200,000-$250,000 | $175,000 | $160,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $660 |
| Superior Protection Discount | -$80 | $716 |
| Fire & Security Discount | -$80 | $716 |
| Hail Resistant Roof Discount | -$24 | $772 |
| Newly Constructed Home Discount | -$215 | $581 |
| 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 |
| Washington County | $700 | $786 | $1,486 | $571 | $1,271 | $215 |
| Washington County, MD | $2,500 | $786 | $3,286 | $571 | $3,071 | $215 |
| Pinesburg, MD | $200 | $747 | $947 | $543 | $743 | $204 |
| Antietam, MD | $2,500 | $908 | $3,408 | $660 | $3,160 | $248 |
| Rouzerville, PA | $400 | $609 | $1,009 | $442 | $842 | $166 |
| Garretts Mill, MD | $2,000 | $871 | $2,871 | $633 | $2,633 | $238 |
| Blue Ridge Summit, PA | $300 | $723 | $1,023 | $526 | $826 | $198 |
| Brunswick, MD | $1,000 | $704 | $1,704 | $511 | $1,511 | $192 |
| Shippensburg, PA | $300 | $723 | $1,023 | $526 | $826 | $198 |
| Broadlands, VA | $700 | $973 | $1,673 | $707 | $1,407 | $266 |
| Sterling, VA | $500 | $884 | $1,384 | $642 | $1,142 | $242 |
| Home Insurance Company Washington County, MD | Homeowners Insurance Agency Washington County, MD | Address | Popularity Score | Distance from Washington County (miles) |
|---|---|---|---|---|
| State Farm | Lauren Kolberg | 13126 Pennsylvania Ave Ste 101, Hagerstown, MD, 21742-2757 | 7.0 | |
| Allstate | Terry Fincham | 12805 Oak Hill Ave, Hagerstown, MD, 21742 | 7.4 | |
| Liberty Mutual Independent | Odonovan & Associates Inc | 3881 Ten Oaks Rd 2e, Glenelg, MD, 21737 | 50.1 | |
| Liberty Mutual Independent | Insurance First Inc | 3530 Worthington Blvd, Urbana, MD, 21704 | 31.1 | |
| State Farm | Marcia Duffy | 6242 Sykesville Rd, Eldersburg, MD, 21784-7909 | 48.2 | |
| State Farm | Claudia Lara | 108 W Main St, New Market, MD, 21774-6204 | 32.6 | |
| Travelers | Health Insurance Specialists Inc | 17620-B Redland Rd, Rockville, MD, 20855 | 47.9 | |
| Erie | Cumberland Valley Insurance Inc. | 18537 Maugans Avenue, Hagerstown, MD, 21742 | 7.5 | |
| Travelers | Mcdole Edge Corporation | 2977b Manchester Rd, Manchester, MD, 21102 | 49.5 | |
| Allstate | Fitzway Insurance | 907 N Frederick Ave, Gaithersburg, MD, 20879 | 44.4 |
| 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 |
| Washington County, MD | $205,300 | $795 | $630 | $1,000 | $370 |
| Washington County, MD | $205,300 | $795 | $630 | $1,000 | $370 |
| Pinesburg, MD | $169,100 | $756 | $600 | $950 | $350 |
| Antietam, MD | $256,600 | $919 | $730 | $1,160 | $430 |
| Rouzerville, PA | $108,700 | $616 | $440 | $870 | $430 |
| Garretts Mill, MD | $238,200 | $882 | $700 | $1,110 | $410 |
| Blue Ridge Summit, PA | $163,600 | $732 | $530 | $1,010 | $480 |
| Brunswick, MD | $220,700 | $712 | $560 | $900 | $340 |
| Shippensburg, PA | $87,000 | $732 | $530 | $1,030 | $500 |
| Broadlands, VA | $576,600 | $985 | $700 | $1,370 | $670 |
| Sterling, VA | $343,200 | $895 | $610 | $1,270 | $660 |