Cumberland Insurance Rates:

Cumberland, MD homeowners insurance is nearly $558 to $757, about $46-$63/month. Our thorough analysis indicates shoppers can save upto $262 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Aflac
I like the way that my insurance company advertises their business. their ads are both serious and funny. this shows me that they know what they are doing but that they also have a sense of humor and are down to earth.
Esurance
I do not like that occasionally, my premium price will increase without advanced notice or detailed explanation.
Erie Insurance Company
I think erie many years ago had a good reputation, i think my erie agent is really nice, she is always very fast to get back to me with questions and changes on the policy.

Cumberland, MD Homeowners Insurance By Home Value

Cumberland, MD Home Value Total Homes % of Total Average Cumberland, MD Homeowners Insurance
Less than $50,000 726 13.0% $157
$50,000 to $59,999 218 4.0% $341
$60,000 to $69,999 311 5.0% $420
$70,000 to $79,999 537 10.0% $486
$80,000 to $89,999 481 9.0% $551
$90,000 to $99,999 420 8.0% $617
$100,000 to $124,999 872 16.0% $716
$125,000 to $149,999 406 7.0% $900
$150,000 to $174,999 382 7.0% $1064
$175,000 to $199,999 189 3.0% $1222
$200,000 to $249,999 327 6.0% $1471
$250,000 to $299,999 131 2.0% $1800
$300,000 to $399,999 238 4.0% $2286

Top Home Insurance Agents Near Cumberland, MD

Home Insurance Company Near Cumberland, MD Homeowners Insurance Agency Near Cumberland, MD Address
Erie Chaney - Buskirk Agency Inc. 9998 Frankfort Hwy, Fort Ashby, WV, 26719
Allstate Gingrich Warren A 807 Lower Main St, Saxton, PA, 16678
State Farm Terry Mclarney 850 N Mechanic St, Cumberland, MD, 21502-2117
Travelers The Knepper Agency Inc 221 W PATRIOT ST, SOMERSET, PA, 15501
State Farm Vicky Brenneman 137 Virginia Ave, Cumberland, MD, 21502-3952

Cost Of Homeowners Insurance By Street Near Cumberland, MD

Streets in Cumberland Area Homeowners Insurance Cost
Estella St, Holland St, Riehl Ave, Sunset Dr Exd, Mountain Magic Ln, Wills Creek Ave, Ella Ave, Rizer Ave, Dent Ln, Fectig Ave$657
Zihlman Way, S Chase St, Lynn St, Mercury St, Talbot St, Louisiana Ave, Ridge Ter, Bond St, S Maryland Ave, Beall St$667
S Johnson St, Virginia Ave, Furnace St, W 1st St, Patterson Ave, Amcelle St, Highland Ave, Dilley St, Fulton St, Pine St$671
Valley St, Turano Rd NE, Highland Estates Dr, E Fourth St, Christie Rd NE, Jackson St, Balmoral Rd, Bedford St, Bowling St, Williams St$650
Dandelion Ave, Mountain Magic Ln NE, S Wineow St, Glenmore St, Springdale St, South Ter, Kite Ave, Pea Vine Run NE, Richwood Ave, Saratoga St$658

Cumberland, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Cumberland$98 to $100
Ridgeley$134
Carpendale$137
Bowmans Addition$98

Cumberland, 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
Ridgeley town, West Virginia $112 $149 $224
Carpendale town, West Virginia $114 $152 $228
Wiley Ford CDP, West Virginia $112 $149 $224

Cumberland, 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
Cumberland, MD5.1%14.2%
Ridgeley8.87%24.09%
Carpendale7.29%23.44%
Wiley Ford7.08%27.55%

Cumberland Renters Insurance as a Percentage of Rent

Cumberland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 185 5.0% $356
$200 to $299 287 8.0% $806
$300 to $499 761 22.0% $1256
$500 to $749 1,220 35.0% $1931
$750 to $999 544 15.0% $2681
$1,000 to $1,499 337 9.0% $3806
$1,500 or more 117 3.0% $5456

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
100,000 500 Frame 45 Allied Property & Casualty Insurance Co. 670
170,000 1,000 Masonry 25 Csaa Affinity Insurance Co. 560
220,000 1,000 Frame 15 Csaa Affinity Insurance Co. 717
170,000 1,000 Masonry 25 Encompass Home/Auto Insurance Co. n/a
220,000 1,000 Frame 15 Erie Insurance Co. 721
170,000 1,000 Masonry 25 Esurance Insurance Co. 612
220,000 1,000 Frame 15 Ngm Insurance Co. 512
170,000 1,000 Masonry 25 Qbe Insurance Corp. 860
120,000 500 Frame 35 State Auto Property & Casualty Ins. Co. 434
220,000 1,000 Frame 15 State Auto Property & Casualty Ins. Co. 622

Cumberland, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$3,900
Yearly Cumberland Homeowner Insurance Premium Example $1,200$700
Out of Pocket Expense During Claim$900$3,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,300$8,800
Net Savings to Cumberland Home Owner from High Deductible Plan $500

Cumberland, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Cumberland, MD Home Replacement Value MORE than Home Value Cumberland, MD Home Replacement Value LESS than Home Value
Replacement Value $97,000 $58,000
Insurance Premium based on Replacement Value $525 $325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $23,500 Risk Exposure from Under Insuring Coverage is $15,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $125/year

Example Cumberland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceGEICO InsuranceErie Insurance
Monthly Premium 383035
Year Built 195219491967
Home Details 4 Beds, 2 Baths2 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $200000-$250000$75000-$100000$100000-$125000
Deductible > $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1962 130,000 Slate Shingles Roof 2,340 3 $500 Deductible 300 5 Stucco siding yes
1946 205,000 Membrane Roof 2,760 5 $500 Deductible 530 6 Stone Siding yes
1968 225,000 Slate Shingles Roof 2,770 5 $5000 to $10,000 Deductible 340 6 Wood siding yes
1942 115,000 Slate Shingles Roof 2,010 3 $500- $1000 Deductible 380 8 Stone Siding No
1967 160,000 Tile Roof 2,130 4 $500 Deductible 770 12 Brick siding yes
1979 195,000 Slate Shingles Roof 2,700 5 $1000-$2500 Deductible 620 8 Stucco siding No
1978 340,000 Composition Roof 4,080 5 $5000 to $10,000 Deductible 460 7 Wood siding yes
1974 215,000 Wood Shake Roof 2,670 4 $500- $1000 Deductible 340 4 Stone Siding yes
1943 145,000 Composition Roof 1,810 3 $2500-$5000 Deductible 380 8 Stucco siding No
1965 275,000 Composition Roof 4,310 5 $1000-$2500 Deductible 490 4 Stone Siding No
1947 130,000 Composition Roof 2,140 3 $2500-$5000 Deductible 390 10 Wood siding No
1973 60,000 Membrane Roof 1,110 2 $1000-$2500 Deductible 40 2 Brick siding No
1965 105,000 Wood Shake Roof 1,890 3 $2500-$5000 Deductible 320 10 Stone Siding yes
1967 65,000 Shingles Roof 1,018 2 $5000 to $10,000 Deductible 100 3 Wood siding No