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Germantown, MD Home Values & Insurance Rates

Germantown, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 377 2.0% $50
$100,000 to $124,999 230 1.0% $236
$125,000 to $149,999 479 3.0% $301
$150,000 to $174,999 1,025 6.0% $359
$175,000 to $199,999 1,171 7.0% $409
$200,000 to $249,999 2,753 18.0% $495
$250,000 to $299,999 3,339 22.0% $610
$300,000 to $399,999 5,258 35.0% $768

Germantown Renters Insurance as a Percentage of Rent

Germantown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 162 1.0% $1901
$750 to $999 430 4.0% $2651
$1,000 to $1,499 3,205 34.0% $3776
$1,500 or more 5,404 57.0% $5426

Example Germantown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAmica Mutual Insurance CompanyErie Insurance
Monthly Premium 8924381
Year Built 201019971986
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 4 Baths
Coverage Amount $250000-$300000$600000-$700000$350000-$400000
Deductible $2500-$5000 Deductible$1000-$2500 Deductible> $10,000 Deductible

Top Home Insurance Agents Near Germantown, MD

Home Insurance Company Near Germantown, MD Homeowners Insurance Agency Near Germantown, MD Address Distance from Germantown, MD (miles)
State Farm Gene Cartwright 2721 Branch Ave SE, Washington, DC, 20020-1421 27.4
State Farm Kathy Fowler 510 4th St, Laurel, MD, 20707-4273 22.6
State Farm Mustafa Rasuli 6715 Backlick Rd Ste 201, Springfield, VA, 22150-2708 28.1
Allstate Zifer M. Reyal 10110 Sutherland Rd, Silver Spring, MD, 20901 17.1
State Farm Asma Atique 12751 Marblestone Dr Ste 250, Woodbridge, VA, 22192-8335 34.7

Estimated Home Insurance By Street Area Near Germantown, MD

Germantown Area Estimated House Insurance
Biddeford Ct, Log House Rd, Ferry Landing Cir, Falling Star Ct, White Trellis Ln, Hamlet Square Ct, Thorngate Ln, Mateny Hill Rd, Millhaven Pl, Aspen Dale$749
Crownsgate Cir, Amber Hill Ct, Arena Stage Ct, China Aster Ct, Kilmarnock Way, Stone Pier Ln, Wisteria Dr, Ranworth Dr, Houser, Maryland Manor Ct$737
Amarillo Ct, Bent Creek Ter, Tulip Poplar Ter, Forest Brook Ct, Theseus Ter, Dunstable Cir, Piney Point Pl, Monarch Vista Dr, Esmond Ter, Middleboro Dr$709
Valley Bend Dr, Walter Johnson Rd, Deep Run Ct, Hartsbourne Way, Shipley Ter, Thundercloud, Falconcrest Rd, Fable Dr, Gunners Branch Rd, Afternoon Ln$713
Tattershall Dr, Warrior Brook Dr, Autumn Mist Cir, Schaeffer Rd, Dover Cliffs, Kitchen House Way, Caravan Dr, Steed Ct, Hartsbourne Dr, Clover Meadow Pl$722

Germantown, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Germantown Homeowner Insurance Premium Example $3,300$2,300
Out of Pocket Expense During Claim$1,500$5,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $18,000$17,000
Net Savings to Germantown Home Owner from High Deductible Plan $1,000

Germantown, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Germantown, MD Home Replacement Value MORE than Home Value Germantown, MD Home Replacement Value LESS than Home Value
Replacement Value $360,000 $226,000
Insurance Premium based on Replacement Value $1,725 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $53,000 Risk Exposure from Under Insuring Coverage is $81,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $275/year