Garrett County Insurance Rates:

Garrett County, MD homeowners insurance is about $573 to $779, about $47-$64/month. Our thorough analysis indicates shoppers can save upto $270 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cost of Homeowners Insurance in Garrett County, MD

Homeowners insurance in Garrett County varies on a property to property basis. The cost of the home insurance is fixed after considering certain factors, including the coverage type, deductible, age of the house, or the material used to build your house. The average cost of homeowners insurance in Garrett County is $753. According to the research conducted by the VHome, there are special discounts that will help the policyholder save on a few bucks.

Insurance Cost Based on the Age of the Home

The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.

Homes with 40 or 50 years in Garrett County pay a premium of $772.578 and $781.614, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Garrett County can avail of lower insurance of $572.28.

Insurance Cost Based on the Deductibles

Deductible for home insurance is the amount of money you agree to pay before you can make a claim with your provider. Once the homeowner files a claim and meets their deductible, the insurance company pays the remaining balance up to their policy limit.

For instance, let us assume that as per your policy, your deductible is $2500. So here, if you make a claim with damages of $20,000, you have to pay your deductible, i.e., $2500, and the remaining balance, i.e., $17,500, will be paid by your respective insurance company.

Deductible for home insurance in Garrett County may range from $541 to $744, depending on the deductible the policyholder has opted. So, Garrett County homeowners paying a high deductible of $2500 can avail of home insurance for $541, whereas Garrett County homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $634 and $576, respectively. Below is the summary of home insurance costs for different deductibles in Garrett County, MD.


Insurance Cost Based on the Claim History

Another way to reduce your premium is by maintaining a zero claim history. It is prudent that homeowners must avoid filing claims for minor problems. When a homeowner submits a claim, the loss is incurred by the insurance company. Therefore, the greater the risk of you incurring a loss and submitting a claim, the higher your policy cost.

By providing a history of zero claims, homeowners in Garrett County, MD, have to pay a premium of $647.58, where the discount is $105.42. In contrast, policyholders with one and two claims have to pay a premium of $798.18 and $850.89, respectively.

Garrett County, MD Homeowners Insurance By Home Value

Garrett County, MD Home Value Total Homes % of Total Average Garrett County, MD Homeowners Insurance
Less than $50,000 673 8.0% $94
$50,000 to $59,999 254 3.0% $202
$60,000 to $69,999 135 1.0% $256
$70,000 to $79,999 301 3.0% $297
$80,000 to $89,999 351 4.0% $338
$90,000 to $99,999 434 5.0% $378
$100,000 to $124,999 1,099 13.0% $432
$125,000 to $149,999 567 6.0% $547
$150,000 to $174,999 1,141 13.0% $642
$175,000 to $199,999 719 8.0% $743
$200,000 to $249,999 932 11.0% $899
$250,000 to $299,999 823 9.0% $1095
$300,000 to $399,999 819 9.0% $1392

Top Home Insurance Agents Near Garrett County, MD

Home Insurance Company Near Garrett County, MD Homeowners Insurance Agency Near Garrett County, MD Address
State Farm Greg Kelly 1315 Fairmont Ave, Fairmont, WV, 26554-3525
Erie Talerico Insurance Agency Llc 1275 Stewartstown Road Suite 100, Morgantown, WV, 26505
Allstate Tonia Pittman 1490 N Center Ave # S220, Somerset, PA, 15501
State Farm Vicky Brenneman 137 Virginia Ave, Cumberland, MD, 21502-3952
Erie White Insurance Agency 122 N Broadway Street, Scottdale, PA, 15683

Garrett County, MD Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Garrett County, MD

Streets in Garrett County Area Homeowners Insurance Cost
Hickory Ridge Rd, Candle Tree Ln, Walleye Ln, Mason School Rd, Wallman Rd, Eagle Rock Rd, N Hill Rd, Frank Custer Dr, Crellin Mine Rd, Spruce Cir$669
Glade Rd, Paul St, Norris Welch Rd, Meadow Mountain Run Dr, Maynardier Ridge Rd, Mayhew Inn Rd, W Pennington St, Wilhelm Ln, Tyler Dr, Crescent Shores Rd$694
Crestview Dr, 4h Camp Rd, Old Morgantown Rd W, Maple Glade Rd, Durst Ln, W Center St, Locust Ln, Avilton Rd, Englewood Ln, E Chestnut St$677
Brant Rd, Glenlake Rd, Hotel Rd, Hemlock Dr, Zehner Rd, R St, Beckmans Peninsula Rd, Memorial Dr, N Ridge Ct, Service Center Dr$708
Booger Ridge Rd, White Rock Rd, South St, Cedarbrook Dr, Piney Point Dr, Mount Pleasant Ln, Pinnacle Dr, Sines Cemetery Dr, Sand Flat Rd, Beall School Rd$694
Rocky Acres Rd, Ballfield Ln, Forest Ln, Stockslager Rd, Hollis Beauliey Rd, Paul Fisher Rd, Timberloft Cir, Hazelhurst Rd, Pine Grove Rd, Fir Tree Dr$708
Miner Rd, New Germany Rd, Ridge View Hts, Maryland Hwy, S 3rd St, Golden Woods Ct, Carmel Cove Dr, N 2nd St, E Water St, Glade View Rd$675
Fern Hollow Ln, Black Squirrel Rd, Lower Camp Rd, Middleton Rd, Q St, Willow St, Trap Run Rd, Frank Brenneman Rd, Beechnut Ln, Valley View Ln$672
Woodland Dr, Fern Dr, Leighton Dr, Althouse Hill Rd, Selby Rd, Laurel Ln, N Bartlett St, White Church Steyer Rd, E Omar St, Sky View Dr$681
Salem Dr, Argyle St, Fratz St, State Hwy 39, Cedar Shore Dr, Jakes Dr, Bench Rd, Jay Rd, N Camp Rd, Auman Rd$700

Garrett County, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Garrett County$101 to $103
Deer Park$100

Garrett County, 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
Accident town, Maryland $85 $113 $169
Deer Park town, Maryland $84 $111 $167
Friendsville town, Maryland $82 $109 $164

Garrett County, 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
Garrett County, MD4.7%14.9%
Deer Park4.33%14.79%

Garrett County Renters Insurance as a Percentage of Rent

Garrett County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 99 4.0% $347
$200 to $299 161 6.0% $797
$300 to $499 512 21.0% $1247
$500 to $749 764 31.0% $1922
$750 to $999 445 18.0% $2672
$1,000 to $1,499 261 10.0% $3797
$1,500 or more 147 6.0% $5447

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
170,000 1,000 Masonry 25 American National Property & Casualty Co 677
100,000 500 Frame 45 Amica Mutual Insurance Co. 850
100,000 500 Frame 45 Chubb National Insurance Co. 475
220,000 1,000 Frame 15 Everett Cash Mutual Insurance Co. 867
100,000 500 Frame 45 Farmers Mutual Fire Ins. Co. Of Salem Cty 744
220,000 1,000 Frame 15 Ids Property Casualty Ins. Co. 740
100,000 500 Frame 45 Ngm Insurance Co. 354
120,000 500 Frame 35 Standard Guaranty Insurance Co. 1,176
100,000 500 Frame 45 State Auto Property & Casualty Ins. Co. 462
100,000 500 Frame 45 Windsor Mt. Joy Mutual Insurance Co. 362

Latest Home Insurance Reviews

American National Property And Casualty Company
Anpac's rates are very reasonable for the market in nm, the state in which we reside. in additional to affordable rates, anpac offers a cash back incentive. if you remain claim free for the first five years, you will receive a cheque as a rebate for part of the premiums you paid out during that time. after the five years, you will receive yearly cheques, as long as your account remains claim-free.
They don't have the lowest rates which can be a bummer and unaffordable for some. best to look before you jump in to this deal.
Universal Property & Casualty Insurance Company
I like how quickly my insurance agent reaches back to me via email when i have multiple questions about my policy.
I like that I am able to view my policy and coverages within the USAA app, as well as make any changes. It is also easy to navigate and very user-friendly.
Farmer's Insurance
The only problem that I could see with this company is that you have to pay a yearly membership fee. That is the only thing that I can think of that I dislike about Farmers, other than that I love it.
State Farm
I like that I have so many options and they are always around or available for any of my policy questions or changes. They are very knowledgeable about my home, area, cars, etc. They have been good to me for over 30+ years and have rewarded me because of it.
I don't like the customer service. The customer service is really bad. No one likes answering my questions, and I can never get a hold of anyone. It's really bad customer service.
I had to file a claim and they were very helpful. I received payment quickly and was able to make the repairs.

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