Chestertown Insurance Rates:

Chestertown, MD homeowners insurance is approximately $592 to $813, about $49-$67/month. Our exhaustive analysis indicates shoppers can save upto $281 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Chestertown, MD Homeowners Insurance By Home Value

Chestertown, MD Home Value Total Homes % of Total Average Chestertown, MD Homeowners Insurance
Less than $50,000 41 5.0% $63
$100,000 to $124,999 123 16.0% $281
$125,000 to $149,999 13 1.0% $358
$150,000 to $174,999 58 7.0% $421
$175,000 to $199,999 90 12.0% $485
$200,000 to $249,999 70 9.0% $583
$250,000 to $299,999 163 22.0% $717
$300,000 to $399,999 170 23.0% $906

Top Home Insurance Agents Near Chestertown, MD

Home Insurance Company Near Chestertown, MD Homeowners Insurance Agency Near Chestertown, MD Address
Erie Burley Insurance & Financial Service Inc. 13621 ANNAPOLIS RD, BOWIE, MD, 20720
Travelers Gary Allan Blough 4 NEWPORT DRIVE STE A, FOREST HILL, MD, 21050
Nationwide John C Siska 3020 Mitchellville Rd STE 201, Bowie, MD, 20716-3981
State Farm Kenny Epps Sr 9923 Reisterstown Rd, Owings Mills, MD, 21117-3903
Travelers Parkway Insurance Agency 5462 ANNAPOLIS RD, BLADENSBURG, MD, 20710

Cost Of Homeowners Insurance By Street Near Chestertown, MD

Streets in Chestertown Area Homeowners Insurance Cost
Haacke Dr, Ecker Rd, Porters Grove Melitota Rd, Cedar Rd, Talbot Blvd, Old Still Pond Rd, Carimon Rd, Bayview Rd, Old Town Rd, Kinnards Point Dr$696
E Kentfield Rd, Trafford Dr, Charlestown Ct, State Hwy 213, Bakers Ln, Heron Point Pintail Ct, Washington Ave, Clipper Way, Pentridge Ct, Andelot Farm Ln$708
Jimstown Cir, Laurel Point Ln, Rileys Mill Rd, Rosendale Cannery Rd, Royal Swan Farm Ln, Eagles Nest Farm Ln, Bay Shore Spr, Iowa Ave, Still Pond, Ceder Chase Ct$690
Venaringham Ln, First Point Rd, Wilkins Ln, Raleigh Rd, Glen St, Foxchase Dr, State Hwy 292, Vickers Dr, N Cross St, Valley Rd$733
Goosedown Farm Rd, Clarissa Rd, Providence Plantation Ln, Kasota Rd, Twin Ct, S Lynchburg St, Bell Ave, Little Dutchtown Rd, Bottom Rd, State Hwy 20$695

Chestertown, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Chestertown$104 to $106
Kingstown$105
Worton$101
Butlertown$100

Chestertown, 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
Kingstown CDP, Maryland $105 $140 $210
Kent County, Maryland $105 $140 $210
Worton CDP, Maryland $101 $135 $203

Chestertown, 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
Chestertown, MD3.5%9.1%
Kingstown3.79%14.5%
Kent County3.78%9.75%
Worton5.8%7.96%

Chestertown Renters Insurance as a Percentage of Rent

Chestertown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 84 8.0% $333
$200 to $299 29 2.0% $783
$300 to $499 170 16.0% $1233
$500 to $749 317 31.0% $1908
$750 to $999 201 19.0% $2658
$1,000 to $1,499 123 12.0% $3783
$1,500 or more 90 8.0% $5433

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
310,000 1,000 Masonry 15 Aig Property Casualty Co. 1,110
260,000 500 Frame 25 American National Property & Casualty Co 970
310,000 1,000 Masonry 15 Cumberland Mutual Fire Insurance Co. 799
360,000 1,000 Frame 10 Donegal Mutual Insurance Co. 907
260,000 500 Frame 25 Erie Insurance Co. 945
260,000 500 Frame 25 Farmers Insurance Exchange 714
260,000 500 Frame 25 Frederick Mutual Insurance Co. 876
210,000 500 Frame 35 Homesite Insurance Co. Of The Midwest 1,118
210,000 500 Frame 35 Metropolitan Property And Casualty Ins. 1,667
260,000 500 Frame 25 Pharmacists Mutual Insurance Co. 881

Chestertown, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$1,900
Yearly Chestertown Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$900$1,900
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,900$8,400
Net Savings to Chestertown Home Owner from High Deductible Plan $1,500

Chestertown, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Chestertown, MD Home Replacement Value MORE than Home Value Chestertown, MD Home Replacement Value LESS than Home Value
Replacement Value $416,000 $273,500
Insurance Premium based on Replacement Value $1,825 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $82,000 Risk Exposure from Under Insuring Coverage is $60,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $375/year

Example Chestertown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmTravelersAmica Mutual Insurance Company
Monthly Premium 4421088
Year Built 198019411990
Home Details 2 Beds, 1 Baths5 Beds, 3 Baths3 Beds, 2 Baths
Coverage Amount $150000-$175000$600000-$700000$350000-$400000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1979 550,000 Metal Roof 4,490 5 > $10,000 Deductible 350 3 Brick siding yes
2010 275,000 Wood Shake Roof 2,310 3 $5000 to $10,000 Deductible 80 1 Wood siding yes
1971 150,000 Metal Roof 1,090 2 $5000 to $10,000 Deductible 160 3 Wood siding yes
1943 350,000 Composition Roof 2,180 5 $500 Deductible 560 4 Fiber-Cement Siding yes
1992 350,000 Slate Shingles Roof 2,160 3 $2500-$5000 Deductible 510 5 Fiber-Cement Siding No
2006 600,000 Composition Roof 3,770 5 $1000-$2500 Deductible 600 3 Wood siding yes
1992 215,000 Wood Shake Roof 1,780 5 > $10,000 Deductible 150 3 Vinyl siding yes
1998 305,000 Membrane Roof 2,000 5 $1000-$2500 Deductible 1310 9 Vinyl siding No
1978 235,000 Shingles Roof 2,020 4 $500 Deductible 540 5 Vinyl siding No
2013 515,000 Asphalt Shingles Roof 3,020 5 $5000 to $10,000 Deductible 500 3 Wood siding No
2003 485,000 Metal Roof 3,330 4 > $10,000 Deductible 740 7 Vinyl siding No
2014 390,000 Metal Roof 2,770 4 $500- $1000 Deductible 1300 7 Stucco siding No
1995 350,000 Metal Roof 2,930 4 $500 Deductible 1200 8 Fiber-Cement Siding No
1947 165,000 Shingles Roof 1,000 2 $2500-$5000 Deductible 190 3 Wood siding yes
2014 195,000 Metal Roof 1,630 3 $500 Deductible 680 7 Stucco siding yes
1995 210,000 Wood Shake Roof 1,430 3 $500 Deductible 880 10 Fiber-Cement Siding yes
1992 410,000 Membrane Roof 2,420 5 $500- $1000 Deductible 1790 9 Vinyl siding yes
2007 170,000 Tile Roof 1,240 3 $5000 to $10,000 Deductible 300 6 Stone Siding yes
1947 490,000 Shingles Roof 3,350 4 $500- $1000 Deductible 880 5 Stone Siding No
2010 340,000 Metal Roof 2,250 4 $500- $1000 Deductible 1660 12 Fiber-Cement Siding yes
2002 595,000 Membrane Roof 4,270 5 $2500-$5000 Deductible 1310 6 Brick siding yes
1980 765,000 Wood Shake Roof 5,000 5 > $10,000 Deductible 1730 10 Stone Siding yes
1992 250,000 Shingles Roof 1,510 3 $2500-$5000 Deductible 730 10 Vinyl siding No
1977 135,000 Wood Shake Roof 1,030 2 $500 Deductible 660 12 Wood siding yes
1999 285,000 Asphalt Shingles Roof 2,300 4 $1000-$2500 Deductible 520 7 Wood siding yes
1992 235,000 Shingles Roof 1,490 3 $5000 to $10,000 Deductible 110 2 Brick siding No
1989 220,000 Wood Shake Roof 1,740 2 $2500-$5000 Deductible 150 3 Wood siding yes
2008 515,000 Membrane Roof 3,240 4 $1000-$2500 Deductible 1000 6 Wood siding yes
1996 135,000 Metal Roof 1,170 2 $500 Deductible 660 12 Stone Siding yes
2008 280,000 Slate Shingles Roof 1,650 5 $1000-$2500 Deductible 580 6 Stone Siding yes
2014 235,000 Membrane Roof 1,870 4 $1000-$2500 Deductible 850 10 Fiber-Cement Siding yes
1945 315,000 Tile Roof 1,860 4 $2500-$5000 Deductible 960 9 Wood siding yes
2004 155,000 Shingles Roof 1,280 2 $5000 to $10,000 Deductible 90 2 Vinyl siding No
1944 205,000 Metal Roof 1,290 2 > $10,000 Deductible 170 4 Fiber-Cement Siding yes