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.
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 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|
|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|
|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|
|Place||Savings For Senior Occupied Homes|
|Garrett County||$101 to $103|
|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|
|Place||Home insurance as a % of housing cost for homes with mortgage||Home insurance as a % of housing cost for homes without mortgage|
|Garrett County, MD||4.7%||14.9%|
|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%||$5447|
|Home Value ($)||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|