Frederick Insurance Rates:

Frederick, MD homeowners insurance is roughly $593 to $805, about $49-$67/month. Our comprehensive research indicates shoppers can save upto $279 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
The premium on my insurance policy is exceptional, I don't think there are better rates out there. Deductible is not too bad, but it can be a bit cheaper.
Usaa
why i recommended for the company means invest amount low its suitable for all middle class families
Usaa
I would recommend this company if you can get in with them. They have been excellent and very responsive to our needs.
Progressive
it is the best premium comparing to the other companies. because it give a good percentage for the users
Usaa
I highly recommend this company to any veteran or family member eligible for Usaa due to their professional and inter personal relationship with members.
Geico
It is a good insurance company, it takes a few days to have a contractor working fixing our house because of hail, also premium and low deductibles.
State Farm
The rates for our home insurance have increased over 40 years but are still very reasonable.. Claims are processed quickly and our policy even includes covering motel expenses should we ever need to leave due to fire etc..
Erie Insurance
I believe that my co pant is very competitive and,offers the best insurance in the area they have low deductionl we and accident forgiveness they are also very prompt and upfront about fees
Progressive
Better rates are all that matter in this day an age. I was very pleased with the cost of my policy
State Farm
With the bundling of state farm, they also cover medical insurance, and with that, i wish that they provide better dental.
Brown Insurance
I last thing i do not like is probably the temperature in the building. i do not like how cold the place is most of the time.
State Farm
State farm agents are immediately responsive to my inquiries. advice is usable and i feel they care about my financial well being.
Farmer's Insurance
It has always been very easy to deal with the actual insurance company itself. They are fast and fair on the compensation programs.
American National Property And Casualty Company
I like the fact that they are an insurance company, but I don't really know that much more about them. They seem very obscure and hard to reach except when they want something.
State Farm
I enjoy the policy in what it covers and what the price is overall for the coverage that it does bring. It's an excellent company
State Farm
Mine is $500 through state farm which is great compared to Geico when I was with then it was twice as much so I'm very happy with it!!
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.
Usaa
The website has a lot of information on it and I am able to pay bills online. Some areas of it, however, seem to take me in circles before getting to where I need to go.
Geico
My insurance company has helped me a lot in the past. They have excellent customer service and worked with me when I really needed them in the past.

Frederick, MD Homeowners Insurance By Home Value

Frederick, MD Home Value Total Homes % of Total Average Frederick, MD Homeowners Insurance
Less than $50,000 217 1.0% $62
$90,000 to $99,999 127 1.0% $258
$100,000 to $124,999 354 2.0% $300
$125,000 to $149,999 457 3.0% $370
$150,000 to $174,999 1,207 9.0% $440
$175,000 to $199,999 1,354 10.0% $510
$200,000 to $249,999 3,144 25.0% $615
$250,000 to $299,999 2,420 19.0% $747
$300,000 to $399,999 3,024 24.0% $950

Top Home Insurance Agents Near Frederick, MD

Home Insurance Company Near Frederick, MD Homeowners Insurance Agency Near Frederick, MD Address
Liberty Mutual Independent Alliant Insurance Services 9901 BUSINESS PKWY STE B, LANHAM, MD, 20706
Travelers Insurance Inc 2 PARK CENTER CT, OWINGS MILLS, MD, 21117
State Farm Mary Russell 11230 Waples Mill Rd Ste 116, Fairfax, VA, 22030-6087
Allstate Terry Lee Cale 5130 Duke St # 227, Alexandria, VA, 22304
Liberty Mutual Independent W C Insurance Services Llc 19508 HALMOS RD, POOLESVILLE, MD, 20837

Frederick, MD Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Frederick, MD

Streets in Frederick Area Homeowners Insurance Cost
Kit Ct, Oberlin Pl, Third St, Hunter Trail Way, Mount Philip Rd, James I Harris Memorial Dr, McClellan Dr, Glen Heather Dr, Indian Summer Ln, Rockwell Ter$706
Linden Ave, Trailview Ct, Kehne Rd, Vernon Ave, Wood Thrush Dr, Crosstimber Way, W 13th St, Siegel Ct, Mill Race Rd, Mount Phillip Rd$703
Purple Leaf Ct, Rockwood Rd, W 11th St, Jollie Dr, Moran Dr, Grove Blvd, Kay St, Jackson Ct, Grouse Dr, White Flint Dr$702
Overlook Ct, Dockside Dr, Waterland Ct, Forest Park Ct, Church Ct, Sundays Ln, Meadowside Dr, Monarch Rd, Edgewood Church Rd, Ford Rd$721
Beebe Ct, Coleridge Dr, Elm St, Webb Ct, Mountainberry Ct, Skipwith Dr, Rhine Ct, Nickle Pl, Broadview Dr, Brecken Dell Ct$698
Humberson Ln, N McCain Dr, 8th Street Ct, Belford Dr, Grove Rd, Stone Ridge Ct, Cawley Dr, Wyn Ct, Frederick Crossing Ln, Rose Garden Way$689
Mount Pleasant Ct E, Carrollton Dr, Giltspur Rd, Canterbury Dr, Buxton Ter, Springhill Dr, Berry Rose Ct, Little Brook Dr, Spire View Ct, Emory St$693
Elfin Ct, Rock Creek Ct, Bexhill Dr, Anvil Dr, Broadway St, Pleasant Oak Dr, Brook Valley Rd, Geronimo Dr, Pleasanton Ct, Stratford Dr$717
Redwood Ave, Adirondack Dr, E Greenleaf Dr, Stratford Way, Admiralty Pl, Placid Ct, Staghorn Ave, Hamilton Ave, Burnside Ct, Horizon Dr$683
N Carroll St, Runnymeade Dr, Meadowview Dr, Royal Bonnet Pl, W Fagan Ln, Grape Creek Rd, Alex Ct, W 5th St, Mountain Laurel Dr, Woodland Rd$731

Frederick, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Frederick$104 to $107
Frederick County$107
Ballenger Creek$105
Spring Ridge$109

Frederick, 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
Frederick County, Maryland $89 $119 $178
Ballenger Creek CDP, Maryland $88 $117 $175
Spring Ridge CDP, Maryland $91 $121 $182

Frederick, 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
Frederick, MD3.0%9.7%
Ballenger Creek2.88%12.59%
Spring Ridge2.51%10.55%
Walkersville2.96%11.9%

Frederick Renters Insurance as a Percentage of Rent

Frederick Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 264 2.0% $335
$200 to $299 247 2.0% $785
$300 to $499 325 2.0% $1235
$500 to $749 691 6.0% $1910
$750 to $999 2,151 19.0% $2660
$1,000 to $1,499 4,891 44.0% $3785
$1,500 or more 2,343 21.0% $5435

Frederick, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Frederick Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,100$8,300
Net Savings to Frederick Home Owner from High Deductible Plan $800

Frederick, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Frederick, MD Home Replacement Value MORE than Home Value Frederick, MD Home Replacement Value LESS than Home Value
Replacement Value $336,500 $247,500
Insurance Premium based on Replacement Value $1,450 $1,075
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $40,000 Risk Exposure from Under Insuring Coverage is $49,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $150/year

Example Frederick Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceLiberty Mutual
Monthly Premium 6357139
Year Built 194619841998
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $150000-$175000$125000-$150000$400000-$500000
Deductible $500- $1000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 265,000 Metal Roof 2,450 5 $5000 to $10,000 Deductible 420 5 Wood siding yes
2014 245,000 Shingles Roof 1,800 5 $1000-$2500 Deductible 460 5 Stone Siding No
1942 180,000 Tile Roof 1,500 2 $5000 to $10,000 Deductible 90 2 Stone Siding yes
2013 225,000 Wood Shake Roof 1,770 3 $5000 to $10,000 Deductible 60 1 Stone Siding yes
2002 460,000 Metal Roof 3,730 5 $2500-$5000 Deductible 880 6 Fiber-Cement Siding No
2011 230,000 Tile Roof 1,930 3 $2500-$5000 Deductible 70 1 Stucco siding No
2009 425,000 Asphalt Shingles Roof 2,780 4 $500 Deductible 880 5 Brick siding yes
2005 200,000 Composition Roof 1,610 2 $500 Deductible 320 3 Stone Siding No
1997 220,000 Metal Roof 1,600 3 $500- $1000 Deductible 520 6 Vinyl siding No
1949 265,000 Membrane Roof 1,760 5 $1000-$2500 Deductible 670 7 Stucco siding No
1944 195,000 Metal Roof 1,360 2 $500 Deductible 740 8 Brick siding No
1985 190,000 Wood Shake Roof 1,560 3 $1000-$2500 Deductible 420 8 Fiber-Cement Siding No
1943 220,000 Tile Roof 1,680 5 $500 Deductible 670 6 Vinyl siding yes
1980 245,000 Slate Shingles Roof 1,720 3 $500- $1000 Deductible 100 1 Stone Siding No
1998 690,000 Wood Shake Roof 4,390 5 $5000 to $10,000 Deductible 1930 9 Brick siding yes
2014 200,000 Metal Roof 1,340 3 $500 Deductible 390 5 Stucco siding No
1994 145,000 Slate Shingles Roof 1,310 2 $500 Deductible 540 9 Stone Siding No
1944 480,000 Shingles Roof 3,790 5 $1000-$2500 Deductible 410 2 Vinyl siding No
2013 490,000 Tile Roof 3,510 5 $5000 to $10,000 Deductible 130 1 Brick siding No
1984 215,000 Shingles Roof 1,550 3 $500 Deductible 820 10 Brick siding No
2013 225,000 Shingles Roof 1,730 2 $500- $1000 Deductible 150 2 Vinyl siding No
2012 230,000 Wood Shake Roof 1,470 3 $2500-$5000 Deductible 720 10 Wood siding yes
1992 200,000 Asphalt Shingles Roof 1,830 5 $1000-$2500 Deductible 130 2 Stucco siding yes
1997 185,000 Tile Roof 1,670 2 $500- $1000 Deductible 970 12 Vinyl siding No
1945 320,000 Metal Roof 2,190 3 $2500-$5000 Deductible 760 9 Stone Siding No
1992 290,000 Shingles Roof 1,830 5 $2500-$5000 Deductible 500 7 Stucco siding yes
1997 360,000 Composition Roof 2,730 5 $2500-$5000 Deductible 1110 10 Brick siding yes
2002 390,000 Wood Shake Roof 2,410 4 $1000-$2500 Deductible 130 1 Wood siding No
2011 490,000 Slate Shingles Roof 4,280 5 $2500-$5000 Deductible 2020 12 Stone Siding yes
1996 205,000 Tile Roof 1,710 4 $5000 to $10,000 Deductible 350 10 Stone Siding No
1984 355,000 Tile Roof 2,310 3 $500- $1000 Deductible 500 3 Brick siding No
1943 290,000 Wood Shake Roof 2,400 5 $2500-$5000 Deductible 90 1 Brick siding No
1997 220,000 Membrane Roof 1,590 2 $500 Deductible 650 6 Stone Siding No

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