Insights on Washington, DC Homeowners Insurance

Insights on Washington, DC Homeowners Insurance

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Washington, DC & Nearby Areas Home Insurance Costs With Home Replacement Value Scenarios

Place Replacement Value 70% of Home Value Replacement Value 135% of Home Value
Home Insurance Premium (Savings)($) Risk Exposure($) Home Insurance Premium (Extra Premium)($) Extra Home Insurance Coverage($)
Washington 3,075 (122) 142,740 3,045 (152) 166,530
Springdale 1,947 (76) 88,620 1,796 (227) 103,390
North Chevy Chase 4,973 (461) 240,360 5,486 (51) 280,420
White Oak 2,723 (0) 116,040 2,525 (198) 135,380
Walker Mill 1,343 (180) 64,950 1,399 (125) 75,775
Chevy Chase View 6,394 (-176) 275,010 5,749 (469) 320,845
Woodmore 2,598 (76) 119,430 2,598 (76) 139,335
Brandywine 1,992 (0) 94,350 2,092 (101) 110,075
Centreville 2,699 (25) 117,150 2,624 (100) 136,675
North Springfield 2,591 (180) 120,270 2,462 (308) 140,315
Long Branch 4,040 (-296) 173,730 3,854 (111) 202,685
Lansdowne 3,278 (161) 150,660 3,278 (161) 175,770
Overlea 1,318 (38) 60,000 1,280 (77) 70,000
Charles County 1,802 (146) 85,350 1,875 (73) 99,575
Owings 3,135 (-29) 136,080 3,193 (87) 158,760
Prince William County 2,195 (43) 99,930 2,046 (192) 116,585
Haymarket 2,372 (117) 110,130 2,302 (188) 128,485
Clarksburg 3,097 (-287) 134,460 3,069 (258) 156,870
Owings Mills 1,482 (234) 73,140 1,654 (62) 85,330
Ballenger Creek 1,573 (46) 71,610 1,573 (46) 83,545

Home Insurance Costs by Home Value for Washington, DC & comparable areas

Place Name Number of Homes Average Home Value($) Average Rent($) Average Home Insurance Costs($)
Washington 303,312 475,800 1,327 3,197
Springdale 982 295,400 - 2,022
North Chevy Chase 210 801,200 3,306 5,435
White Oak 7,159 386,800 1,447 2,723
Walker Mill 4,916 216,500 1,095 1,524
Chevy Chase View 334 916,700 3,000 6,218
Woodmore 1,392 398,100 2,287 2,674
Brandywine 2,962 314,500 1,525 1,992
Centreville 25,317 390,500 1,697 2,724
North Springfield 2,400 400,900 1,485 2,770
Long Branch 2,588 579,100 1,144 3,743
Lansdowne 4,694 502,200 1,739 3,439
Overlea 5,318 200,000 1,113 1,357
Charles County 57,156 284,500 1,487 1,947
Owings 794 453,600 2,328 3,106
Prince William County 142,786 333,100 1,547 2,238
Haymarket 634 367,100 1,826 2,490
Clarksburg 5,739 448,200 2,304 2,811
Owings Mills 13,714 243,800 1,377 1,716
Ballenger Creek 7,504 238,700 1,494 1,619

Home Insurance Costs by Bedroom for Washington, DC & comparable areas

Place Name2 Bedroom($)3 Bedroom($)4 Bedroom($)
Washington 3,075 2,954 3,289
Springdale 2,003 1,871 1,985
North Chevy Chase 5,486 5,383 5,435
White Oak 2,525 2,401 2,500
Walker Mill 1,454 1,330 1,454
Chevy Chase View 5,573 6,101 6,218
Woodmore 2,623 2,522 2,598
Brandywine 2,032 2,213 2,012
Centreville 2,624 2,499 2,649
North Springfield 2,719 2,770 2,565
Long Branch 3,928 3,928 4,077
Lansdowne 3,310 3,182 3,150
Overlea 1,229 1,408 1,318
Charles County 1,820 1,784 1,911
Owings 2,990 3,048 3,193
Prince William County 2,088 2,216 2,323
Haymarket 2,279 2,349 2,443
Clarksburg 3,011 2,839 2,811
Owings Mills 1,498 1,591 1,482
Ballenger Creek 1,680 1,588 1,466

Home Insurance Rate by Age of Home for Washington, DC & comparable areas

Rank Place New Home($) 10 Year Old($) 20 year Old($) 30 Year Old($)
1 Washington 2,526 2,718 2,941 3,069
2 Springdale 1,598 1,719 1,861 1,941
3 North Chevy Chase 4,293 4,619 5,000 5,217
4 White Oak 2,151 2,314 2,505 2,614
5 Walker Mill 1,204 1,295 1,402 1,463
6 Chevy Chase View 4,912 5,285 5,721 5,969
7 Woodmore 2,113 2,273 2,460 2,567
8 Brandywine 1,574 1,693 1,833 1,912
9 Centreville 2,152 2,315 2,506 2,615
10 North Springfield 2,188 2,355 2,549 2,659
11 Long Branch 2,957 3,182 3,444 3,593
12 Lansdowne 2,717 2,923 3,164 3,301
13 Overlea 1,072 1,153 1,248 1,303
14 Charles County 1,538 1,655 1,792 1,870
15 Owings 2,454 2,640 2,858 2,982
16 Prince William County 1,768 1,902 2,059 2,148
17 Haymarket 1,967 2,116 2,291 2,390
18 Clarksburg 2,220 2,389 2,586 2,698
19 Owings Mills 1,356 1,459 1,579 1,647
20 Ballenger Creek 1,279 1,376 1,489 1,554

Home Insurance Costs by Property Type for Washington, DC & comparable areas

Rank Place Condominium($) Owner occupied($) Renter occupied($)
1 Washington 344 3,197 158
2 Springdale 242 2,022 102
3 North Chevy Chase 611 5,435 274
4 White Oak 298 2,723 119
5 Walker Mill 162 1,524 68
6 Chevy Chase View 736 6,218 292
7 Woodmore 329 2,674 122
8 Brandywine 258 1,992 107
9 Centreville 323 2,724 136
10 North Springfield 309 2,770 132
11 Long Branch 451 3,743 173
12 Lansdowne 403 3,439 155
13 Overlea 159 1,357 65
14 Charles County 215 1,947 89
15 Owings 382 3,106 139
16 Prince William County 278 2,238 103
17 Haymarket 309 2,490 123
18 Clarksburg 342 2,811 144
19 Owings Mills 200 1,716 83
20 Ballenger Creek 190 1,619 73