Annapolis Insurance Rates:

Annapolis, MD homeowners insurance is about $621 to $849, about $51-$70/month. Our all inclusive analysis indicates shoppers can save upto $294 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
I would easily recommend GEICO to others. You can do everything online and don't have to talk to anyone and they issue your policy immediately.Their app is easy to use.
Usaa
I recommend my home insurance to the masses because i believe in them to keep my home safe. they are the best
Usaa
I would recommend them because they are affordably priced and offer great coverage/service whenever we have needed help or have had to make a claim.
Liberty Mutual
My home insurance company offered a range of protections relevant to my needs at the time. I am not sure I can compare to other providers as I was focused on price not range of offerings.
Progressive
Since customer service is most important, I would highly recommend them to others. I have never had a rude or inconsiderate customer rep in my dealing with them. They are great in handling customers.
Nationwide
I would recommend Nationwide based on the customer service and products offered for the area. Overall, they do a good job.
Farmer's Insurance
Farmers has been around for a long time, which means they have a reputation. I have compared them to other companies, but i always end up back with them. Yes they are more expensive.
Farmer's Insurance
Farmer's Insurance is the least expensive insurance company available to us. We are highly satisfied with our premiums ($625) and the deductibles available.
Liberty Mutual
It offers me very good services at any time I need it
State Farm
I prefer to speak to my company in person whenever I have any questions or issues. Since I have been with them for a while, they know me by name when I walk into the office and are always very friendly and accommodating.
Erie Insurance
The deductible is rather high due to the fact that the program that I have which they offer is a pretty cheap package. For the price you probably can't beat it anywhere else.
Usaa
Cost used to be the main reason to go with this provider they used to be the best rates around nobody could touch them now they are slowly moving up to market rate.
Erie Insurance
When you meet your deductible, it means that you have paid the entire amount of your coverage's deductible, and your insurance will help cover the remaining costs of your covered claim, up to your coverage limit.
Travelers
I can honestly say that I would recommend them. They are highly rated, as I was told by my insurance agent, and their premiums and deductibles are much better than others I have had in the past.
State Farm
My home insurance company is state farm. we have had our home insurance with them for 18 years since we purchased our home.|i like our insurance representative. he calls to check up on our needs and satisfaction level periodically but is not real pushy.
Usaa
Usaa was very efficient. their excellent customer service via phone and the web is another reason our claim was handled with a sense of urgency. we were very pleased with the result.
Erie Insurance
The website layout has is well thought out and is intuitive to navigate. The website also feels secure and uses two-step authentication to log in.
Geico
I have not had a problem communicating with them since the time that we signed up with them. The interactions have been fine and everything is great when we communicate with them.
State Farm
What i really like about this company is that they make sure that I am able to understand everything about my policy and that all of my questions are answered before I get off the phone with them.
State Farm
I always forget my password and sometimes I cannot get it reset without calling. That is my least favorite part of the site. Otherwise, I can find out anything I want about my accounts. I can even change some aspects of my insurances.
Encompass Insurance
The mobile app is horrendous. It won't find my active account. It constantly shuts down like it has a bug in it. I think it needs to be reprogrammed.
Allstate
The Allstate app is fairly easy to use. You can access your insurance card and you can make a payment which is nice. It also doesn't take up too much space on your phone.
Allstate
This company has local agents that contact me regularly. I feel that they are caring and trustworthy. I worked with them on different things from insurance to investment, they were never pushing and has always been helpful.
Amica Mutual Insurance
I would recommend Amica. They have a variety of policies to choose from with various options. Their premiums are very reasonable compared with other companies.
Geico
I would recommend GEICO for all of the reasons listed above: competitive premium prices, fast & reliable customer service, and ease of use in managing policy.
Usaa
I would rate my home insurance company's customer service with a 5. They are great, always greeting me personally and making sure I get taken care of quickly and efficiently.

Annapolis, MD Homeowners Insurance By Home Value

Annapolis, MD Home Value Total Homes % of Total Average Annapolis, MD Homeowners Insurance
Less than $50,000 103 2.0% $44
$90,000 to $99,999 53 1.0% $176
$100,000 to $124,999 62 1.0% $205
$125,000 to $149,999 87 1.0% $257
$150,000 to $174,999 187 4.0% $301
$175,000 to $199,999 210 4.0% $345
$200,000 to $249,999 884 19.0% $418
$250,000 to $299,999 1,395 30.0% $514
$300,000 to $399,999 1,578 34.0% $654

Top Home Insurance Agents Near Annapolis, MD

Home Insurance Company Near Annapolis, MD Homeowners Insurance Agency Near Annapolis, MD Address
Erie Buckler Insurance Agency Inc. 152 Post Office Road, Waldorf, MD, 20602
State Farm Dave Wayson Dunkirk Village Shopping Ctr 10339 So Md Blvd, Dunkirk, MD, 20754
Travelers Dukes-Moore Ins Agcy Inc 205 HIGH ST, CHESTERTOWN, MD, 21620
Travelers Insurance Center Of Baltimore Inc 2100 EASTERN AVE, BALTIMORE, MD, 21231
Nationwide Peter Michael Felix Agency 601 Post Office Rd STE 1E, Waldorf, MD, 20602-1912

Annapolis, MD Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Annapolis, MD

Streets in Annapolis Area Homeowners Insurance Cost
Martin St, Rundelac Rd, Hilltop Ct, Morris St, Archwood Ave, Bricin St, Merryman Ct, Dulaney Ln, Old S River Rd, Creek Dr$701
Washington Dr, Chestnut Ave, Bembe Beach Rd, Windell Ave, Atwater Dr, Highland Ave, Springdale Ave, Gemini Dr, Creek View Ave, Wagner St$792
Constitution Ave, Green Spring Dr, Ashford Ct, Peacock Ln, Cherry Tree Ln, Alder Rd, Inland Rd, Edgemere Dr, Fairhope Ct, Dumbarton Dr$741
Quiet Waters Farm Rd, Dean St, Ellis Rd, Tolbert Dr, Janwall Ct, Robert Small Rd, Gibson Rd, Sterling Cir, Primrose Rd, Pump House Rd$702
State Hwy 436, State Hwy 436, Mas Que Farm Rd, Scott Dr, Fogle Dr, Hidden River View Rd, Locust Ln, Herndon Ave, Sampson Pl, McDonough Rd$756

Annapolis, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Annapolis$109 to $111
Naval Academy$94
Annapolis Neck$115
Parole$110

Annapolis, MD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Annapolis Neck CDP, Maryland $97 $129 $193
Parole CDP, Maryland $92 $123 $184
Anne Arundel County, Maryland $91 $121 $181

Annapolis, MD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Annapolis, MD2.9%9.1%
Annapolis Neck2.51%8.42%
Parole2.7%10.42%
Anne Arundel County2.81%10.47%

Annapolis Renters Insurance as a Percentage of Rent

Annapolis Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 240 3.0% $317
$200 to $299 263 3.0% $767
$300 to $499 345 4.0% $1217
$500 to $749 313 4.0% $1892
$750 to $999 1,000 13.0% $2642
$1,000 to $1,499 2,704 35.0% $3767
$1,500 or more 2,666 35.0% $5417

Average Cost Of Home Insurance By Company In Areas Nearby Annapolis For Different Scenarios

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
280,000 500 Frame 25 Aig Property Casualty Co. 1,167
280,000 500 Frame 25 Amica Mutual Insurance Co. 1,576
240,000 500 Frame 35 Csaa Affinity Insurance Co. 1,196
380,000 1,000 Frame 10 Chubb National Insurance Co. 1,541
380,000 1,000 Frame 10 Cumberland Mutual Fire Insurance Co. 976
380,000 1,000 Frame 10 Everett Cash Mutual Insurance Co. 1,410
330,000 1,000 Masonry 15 Hartford Fire Insurance Co. 1,465
240,000 500 Frame 35 Safeco Insurance Co. Of America 697
280,000 500 Frame 25 Travelers Home & Marine Insurance Co. 628
380,000 1,000 Frame 10 Unitrin Direct Property & Casualty Co. 1,347

Annapolis, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Annapolis Homeowner Insurance Premium Example $1,800$1,200
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $11,600$11,000
Net Savings to Annapolis Home Owner from High Deductible Plan $600

Annapolis, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Annapolis, MD Home Replacement Value MORE than Home Value Annapolis, MD Home Replacement Value LESS than Home Value
Replacement Value $471,000 $335,500
Insurance Premium based on Replacement Value $2,350 $1,675
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $89,000 Risk Exposure from Under Insuring Coverage is $46,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $450/year

Example Annapolis Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateLiberty MutualGEICO Insurance
Monthly Premium 1669579
Year Built 201119882001
Home Details 4 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $600000-$700000$250000-$300000$200000-$250000
Deductible > $10,000 Deductible$1000-$2500 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Annapolis, MD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1973 635,000 Composition Roof 3,200 5 $5000 to $10,000 Deductible 1120 6 Brick siding No
2013 370,000 Shingles Roof 1,620 5 > $10,000 Deductible 130 2 Stucco siding No
1995 250,000 Wood Shake Roof 1,590 2 $5000 to $10,000 Deductible 500 8 Stucco siding No
2000 775,000 Metal Roof 3,740 5 > $10,000 Deductible 1180 8 Stucco siding yes
2014 330,000 Asphalt Shingles Roof 1,790 2 > $10,000 Deductible 90 1 Fiber-Cement Siding No
1982 345,000 Asphalt Shingles Roof 1,930 3 $500- $1000 Deductible 1140 8 Wood siding No
1945 535,000 Asphalt Shingles Roof 2,530 4 > $10,000 Deductible 1090 10 Wood siding No
2006 410,000 Composition Roof 2,200 3 $1000-$2500 Deductible 950 6 Stucco siding No
1983 365,000 Wood Shake Roof 1,970 5 $2500-$5000 Deductible 620 6 Wood siding yes
2013 490,000 Membrane Roof 2,350 5 $500 Deductible 510 2 Wood siding No
1946 490,000 Tile Roof 2,220 3 $5000 to $10,000 Deductible 1330 10 Wood siding No
1977 315,000 Tile Roof 1,890 3 $5000 to $10,000 Deductible 60 1 Brick siding yes
2010 355,000 Shingles Roof 1,690 3 $500 Deductible 680 5 Wood siding No
1990 680,000 Wood Shake Roof 3,540 5 $5000 to $10,000 Deductible 1180 5 Stone Siding No
1991 310,000 Wood Shake Roof 1,630 3 $500- $1000 Deductible 1100 9 Vinyl siding yes
1979 675,000 Wood Shake Roof 4,250 5 $1000-$2500 Deductible 2320 9 Wood siding yes
2005 195,000 Membrane Roof 1,010 2 $500 Deductible 390 5 Fiber-Cement Siding yes
1998 385,000 Asphalt Shingles Roof 2,120 5 $500- $1000 Deductible 980 9 Fiber-Cement Siding yes
2002 400,000 Tile Roof 2,080 4 $2500-$5000 Deductible 1040 12 Wood siding yes
2009 460,000 Wood Shake Roof 2,080 3 $500- $1000 Deductible 1480 9 Fiber-Cement Siding yes
2012 440,000 Composition Roof 2,200 4 $500- $1000 Deductible 530 3 Fiber-Cement Siding No
1972 455,000 Wood Shake Roof 2,230 4 $5000 to $10,000 Deductible 610 6 Vinyl siding No
2011 345,000 Metal Roof 1,920 4 $5000 to $10,000 Deductible 310 4 Wood siding No
1977 620,000 Tile Roof 2,970 5 $1000-$2500 Deductible 1230 8 Stone Siding yes
2010 395,000 Shingles Roof 2,260 4 $2500-$5000 Deductible 1080 10 Wood siding No
2003 420,000 Wood Shake Roof 2,510 4 $500- $1000 Deductible 830 4 Stucco siding yes
1994 265,000 Shingles Roof 1,700 2 $1000-$2500 Deductible 320 3 Stucco siding yes
1990 275,000 Shingles Roof 1,230 2 > $10,000 Deductible 670 9 Fiber-Cement Siding yes
1993 295,000 Tile Roof 1,580 5 $500- $1000 Deductible 480 4 Stucco siding No
1975 535,000 Asphalt Shingles Roof 2,860 4 $5000 to $10,000 Deductible 1930 12 Vinyl siding yes
1993 630,000 Slate Shingles Roof 3,310 4 $500 Deductible 420 2 Brick siding yes
2007 310,000 Wood Shake Roof 1,950 4 $2500-$5000 Deductible 160 2 Stucco siding yes
1974 300,000 Tile Roof 1,890 4 $500- $1000 Deductible 290 2 Fiber-Cement Siding yes

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