Cambridge Insurance Rates:

Cambridge, MD homeowners insurance is about $577 to $784, about $48-$65/month. Our comprehensive analysis reveals consumers can save upto $272 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cambridge, MD Homeowners Insurance By Home Value

Cambridge, MD Home Value Total Homes % of Total Average Cambridge, MD Homeowners Insurance
Less than $50,000 167 8.0% $88
$50,000 to $59,999 27 1.0% $190
$60,000 to $69,999 62 3.0% $238
$70,000 to $79,999 62 3.0% $272
$80,000 to $89,999 62 3.0% $306
$90,000 to $99,999 44 2.0% $346
$100,000 to $124,999 159 7.0% $401
$125,000 to $149,999 183 9.0% $503
$150,000 to $174,999 216 10.0% $591
$175,000 to $199,999 275 13.0% $686
$200,000 to $249,999 218 10.0% $822
$250,000 to $299,999 234 11.0% $1006
$300,000 to $399,999 316 15.0% $1285

Top Home Insurance Agents Near Cambridge, MD

Home Insurance Company Near Cambridge, MD Homeowners Insurance Agency Near Cambridge, MD Address
NA Edward L. Sanders Insurance Agency, Inc. 10 Washington Avenue , La Plata, MD, 20646
Allstate Atlantic Sc & D 7171 Bent Pine Rd, Willards, MD, 21874
State Farm Christine Johnston 8338 Veterans Hwy Ste 103B, Millersville, MD, 21108-2544
Allstate Stracar Insurance 24083 Shortly Rd, Georgetown, DE, 19947
Travelers The Avon-Dixon Agency Llc 202 PULLMAN CROSSING, GRASONVILLE, MD, 21638

Cost Of Homeowners Insurance By Street Near Cambridge, MD

Streets in Cambridge Area Homeowners Insurance Cost
Linthicum Dr, Jimson Rd, Earle St, Todds Point Rd, Esther Dean Rd, Cosby Ave, Ross Neck Rd, Hambrooks Ave, Old Rte 50, 2nd St$692
Nanticoke Rd, Robbins Rd, Skip Jack Dr, Gypsy Dr, Heliport Rd, Dayton Rd, Willowmere Ln, Rebecca Ln, Timbermarsh Ln, Seabreeze Ct$685
Crab House Rd, Saltmarsh Ln, Muse St, Handley Rd, Trenton St, Rambler Rd, Oakley St, Magnolia Trl, W End Ave, Patamoke Way$706
Paxmore Ln, Hayward St, Shawnee Rd, Old Madison Rd, White Haven Dr, Talbot Ave, Bayly Ave, Choptank Ave, Dark Rd, Glasgow St$708
Robbins St, Key Wallace Dr, Brohawn Ave, David Greene Rd, Edlon Park Dr, Ravenwood Rd, Glover Ave, Moose Lodge Rd, Casson Neck Rd, Miles Ave$682

Cambridge, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cambridge$101 to $104
Algonquin$103
Church Creek$104
Trappe$105

Cambridge, 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
Algonquin CDP, Maryland $103 $137 $206
Church Creek town, Maryland $104 $138 $207
Trappe town, Maryland $105 $140 $210

Cambridge, 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
Cambridge, MD3.6%10.8%
Algonquin3.01%11.82%
Church Creek4.63%14.75%
Trappe3.51%12.59%

Cambridge Renters Insurance as a Percentage of Rent

Cambridge Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 207 7.0% $345
$200 to $299 183 6.0% $795
$300 to $499 343 11.0% $1245
$500 to $749 549 19.0% $1920
$750 to $999 834 29.0% $2670
$1,000 to $1,499 562 19.0% $3795
$1,500 or more 182 6.0% $5445

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
260,000 1,000 Masonry 55 Brethren Mutual Insurance Co. 496
310,000 1,000 Frame 15 Garrison Property & Casualty Ins. Co. 1,965
210,000 500 Frame 65 Lititz Mutual Insurance Co. 926
310,000 1,000 Frame 15 Metropolitan Group Property And Casualty 1,649
160,000 500 Frame 75 Privilege Underwriters Reciprocal Exch. 1,519
160,000 500 Frame 75 Standard Guaranty Insurance Co. 1,559
310,000 1,000 Frame 15 State Farm Fire & Casualty Co. 1,280
160,000 500 Frame 75 Travelers Commercial Insurance Co. 859
310,000 1,000 Frame 15 Unitrin Direct Property & Casualty Co. 1,291
260,000 1,000 Masonry 55 Universal North America Insurance Co. 1,020

Cambridge, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Cambridge Homeowner Insurance Premium Example $2,900$2,400
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $10,500$10,000
Net Savings to Cambridge Home Owner from High Deductible Plan $500

Cambridge, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cambridge, MD Home Replacement Value MORE than Home Value Cambridge, MD Home Replacement Value LESS than Home Value
Replacement Value $307,500 $226,500
Insurance Premium based on Replacement Value $1,350 $1,000
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $47,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Cambridge Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersState Farm
Monthly Premium 3950124
Year Built 194220131964
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $75000-$100000$200000-$250000$300000-$350000
Deductible $500- $1000 Deductible> $10,000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 150,000 Membrane Roof 1,650 4 $2500-$5000 Deductible 310 6 Stone Siding yes
1969 150,000 Composition Roof 1,500 3 $2500-$5000 Deductible 370 9 Vinyl siding yes
1961 330,000 Membrane Roof 2,930 4 $2500-$5000 Deductible 330 4 Stucco siding No
1957 180,000 Tile Roof 1,460 3 $1000-$2500 Deductible 430 7 Brick siding No
1942 260,000 Metal Roof 2,550 4 $1000-$2500 Deductible 990 10 Vinyl siding No
2013 210,000 Composition Roof 2,280 5 $500 Deductible 180 2 Stucco siding yes
2013 250,000 Composition Roof 2,740 4 $5000 to $10,000 Deductible 690 10 Vinyl siding yes
2011 160,000 Membrane Roof 1,640 4 $1000-$2500 Deductible 730 12 Fiber-Cement Siding yes
1964 255,000 Asphalt Shingles Roof 2,160 3 $2500-$5000 Deductible 600 9 Wood siding yes
2010 270,000 Asphalt Shingles Roof 2,820 4 $2500-$5000 Deductible 230 2 Stucco siding No
1965 355,000 Composition Roof 3,020 4 $500- $1000 Deductible 540 6 Brick siding No
1960 545,000 Membrane Roof 4,980 5 $5000 to $10,000 Deductible 210 2 Wood siding No
1967 380,000 Tile Roof 3,040 5 $5000 to $10,000 Deductible 1010 10 Stone Siding No
1961 490,000 Wood Shake Roof 4,060 5 $2500-$5000 Deductible 370 3 Wood siding yes
1973 245,000 Tile Roof 2,750 4 $2500-$5000 Deductible 850 9 Stone Siding yes
2010 170,000 Metal Roof 1,490 3 $500 Deductible 70 1 Wood siding No
2014 120,000 Tile Roof 1,390 3 $1000-$2500 Deductible 420 10 Vinyl siding yes
1975 115,000 Slate Shingles Roof 1,190 2 $500 Deductible 40 1 Vinyl siding No
2012 250,000 Membrane Roof 2,880 4 $2500-$5000 Deductible 530 6 Stucco siding yes
2010 240,000 Asphalt Shingles Roof 2,030 4 $5000 to $10,000 Deductible 430 6 Wood siding yes
1951 315,000 Shingles Roof 3,680 5 $500- $1000 Deductible 930 10 Stucco siding No
2012 240,000 Metal Roof 2,430 4 $2500-$5000 Deductible 390 5 Brick siding yes
1959 215,000 Composition Roof 2,100 3 $1000-$2500 Deductible 940 12 Wood siding yes
1962 170,000 Slate Shingles Roof 1,540 2 $2500-$5000 Deductible 700 12 Wood siding No
2012 145,000 Asphalt Shingles Roof 1,700 3 $2500-$5000 Deductible 60 1 Vinyl siding No
1978 160,000 Slate Shingles Roof 1,740 3 $500- $1000 Deductible 350 6 Stucco siding yes
1972 130,000 Shingles Roof 1,450 3 $2500-$5000 Deductible 40 1 Stucco siding yes
1973 275,000 Wood Shake Roof 2,830 4 $1000-$2500 Deductible 780 10 Wood siding yes
1974 355,000 Composition Roof 3,210 5 > $10,000 Deductible 700 10 Fiber-Cement Siding No
1948 125,000 Metal Roof 1,450 2 $2500-$5000 Deductible 290 7 Brick siding yes
1966 160,000 Slate Shingles Roof 1,630 3 $1000-$2500 Deductible 340 7 Brick siding yes
1950 205,000 Composition Roof 2,100 3 $1000-$2500 Deductible 440 5 Stucco siding No
1941 125,000 Tile Roof 1,300 3 $1000-$2500 Deductible 440 9 Vinyl siding yes
1973 95,000 Shingles Roof 1,050 2 $2500-$5000 Deductible 260 10 Vinyl siding yes