Hampstead Insurance Rates:

Hampstead, MD homeowners insurance is nearly $590 to $801, about $49-$66/month. Our extensive guide reveals consumers can save as much as $278 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Hampstead, MD Homeowners Insurance By Home Value

Hampstead, MD Home Value Total Homes % of Total Average Hampstead, MD Homeowners Insurance
$100,000 to $124,999 37 2.0% $313
$125,000 to $149,999 38 2.0% $389
$150,000 to $174,999 60 3.0% $459
$175,000 to $199,999 155 9.0% $535
$200,000 to $249,999 656 40.0% $640
$250,000 to $299,999 331 20.0% $786
$300,000 to $399,999 313 19.0% $1002

Top Home Insurance Agents Near Hampstead, MD

Home Insurance Company Near Hampstead, MD Homeowners Insurance Agency Near Hampstead, MD Address
State Farm Cindi Scafide 1300 Spring St Ste 132, Silver Spring, MD, 20910-3653
Erie Ewing Hines & Associates 3750 W. University Blvd. 3750 W. University Blvd. , Kensington, MD, 20895
Allstate Fred Hazeltine 8600 Foundry St Ste 2087, Savage, MD, 20763
State Farm Mindy Aguirre 10020 Colesville Road, Silver Spring, MD, 20901-2341
Travelers Walker Ins Services Llc 2286 PULLMAN ROAD, LANASTER, PA, 17601

Cost Of Homeowners Insurance By Street Near Hampstead, MD

Streets in Hampstead Area Homeowners Insurance Cost
White Oak Ct, Brehm Rd, Woodland Ct, Dana Ct, Argyle Ct, Brigadoon Dr, Downhill Trl, Song Sparrow Ct, Cedar Dr, St Paul Rd$719
Wembly Dr, E Mott Ave, Hi View Dr, Winterberry Ln, Lower Forty Dr, Indian Ct, Dove Ln, Crystal Ct, Ralph Dell Rd, Harness Dr$712
Grave Run Rd, Redtail Dr, Westfield Dr, Sharecropper Dr, North Ave, Weaver Ln, Houck Rd, Caton Rd, Trenton Mill Rd, Aspen Dr$713
Three Wood Dr, Dana Ave, State Hwy 482, State Hwy 88, Stewart Ln, Foxtail Ct, Dave Rill Rd, Gill Ave, Marksman Ct, Meandering Dr$714
Moonlight Dr, Wertz Rd, Gablehammer Rd, Highfield Ct, Hunter Rd N, Shiloh Rd, Wolf Hill Dr, Quinan Crest Dr, Lynncrest Dr, Eikon Ln$711

Hampstead, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hampstead$103 to $106
Manchester$106
Westminster$104
Carroll County$108

Hampstead, 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
Manchester town, Maryland $89 $118 $177
Westminster city, Maryland $87 $116 $174
Carroll County, Maryland $90 $120 $180

Hampstead, 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
Hampstead, MD3.3%11.6%
Manchester2.93%11.59%
Westminster3.11%11.26%
Carroll County2.83%10.68%

Hampstead Renters Insurance as a Percentage of Rent

Hampstead Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 29 5.0% $787
$300 to $499 26 4.0% $1237
$500 to $749 77 14.0% $1912
$750 to $999 145 27.0% $2662
$1,000 to $1,499 149 28.0% $3787
$1,500 or more 104 19.0% $5437

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
250,000 500 Frame 35 Aig Property Casualty Co. 761
400,000 1,000 Frame 10 American National Property & Casualty Co 1,198
350,000 1,000 Masonry 15 American Strategic Insurance Corp. 1,122
350,000 1,000 Masonry 15 Selective Ins. Co. Of South Carolina 1,116
300,000 500 Frame 25 Stillwater P & C Insurance Co. 1,155
300,000 500 Frame 25 United Services Automobile Association 1,430
250,000 500 Frame 35 Unitrin Auto & Home Insurance Co. 1,259
400,000 1,000 Frame 10 Unitrin Direct Property & Casualty Co. 1,271
300,000 500 Frame 25 Universal Property & Casualty Ins. Co. 1,202
300,000 500 Frame 25 Vigilant Insurance Co. 1,343

Hampstead, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Hampstead Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,800$9,200
Net Savings to Hampstead Home Owner from High Deductible Plan $600

Hampstead, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hampstead, MD Home Replacement Value MORE than Home Value Hampstead, MD Home Replacement Value LESS than Home Value
Replacement Value $404,500 $251,500
Insurance Premium based on Replacement Value $2,050 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $67,000 Risk Exposure from Under Insuring Coverage is $86,000
Premium Impact Insurance cheaper by $425/year Insurance costlier by $350/year

Example Hampstead Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateChubb Group of Insurance
Monthly Premium 6475187
Year Built 200019972012
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $175000-$200000$250000-$300000$400000-$500000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 500,000 Metal Roof 4,070 5 $5000 to $10,000 Deductible 590 5 Fiber-Cement Siding yes
2013 355,000 Asphalt Shingles Roof 2,400 3 $2500-$5000 Deductible 410 4 Stucco siding yes
1993 470,000 Asphalt Shingles Roof 3,040 5 $500- $1000 Deductible 1240 7 Stucco siding No
2012 410,000 Wood Shake Roof 2,760 5 > $10,000 Deductible 890 10 Stucco siding No
1992 275,000 Shingles Roof 2,020 4 $500- $1000 Deductible 350 3 Stucco siding No
2003 410,000 Slate Shingles Roof 2,900 4 $5000 to $10,000 Deductible 1000 12 Fiber-Cement Siding yes
2010 235,000 Shingles Roof 1,740 5 $500- $1000 Deductible 640 7 Vinyl siding yes
2014 345,000 Tile Roof 2,390 3 $500 Deductible 1150 9 Stone Siding No
1992 250,000 Wood Shake Roof 2,030 3 $5000 to $10,000 Deductible 570 8 Stucco siding No
1997 315,000 Tile Roof 2,190 5 $5000 to $10,000 Deductible 900 12 Stucco siding yes
1994 265,000 Slate Shingles Roof 1,700 4 $500 Deductible 760 6 Fiber-Cement Siding No
1992 275,000 Tile Roof 2,400 3 $5000 to $10,000 Deductible 300 6 Stone Siding No
2006 180,000 Composition Roof 1,280 3 $500 Deductible 580 8 Stucco siding No
1997 425,000 Metal Roof 4,030 5 $500- $1000 Deductible 410 2 Fiber-Cement Siding No
2008 310,000 Asphalt Shingles Roof 2,050 4 $2500-$5000 Deductible 70 1 Stone Siding No
1995 255,000 Shingles Roof 1,770 3 $2500-$5000 Deductible 640 10 Vinyl siding No
2005 325,000 Shingles Roof 3,060 4 $2500-$5000 Deductible 660 5 Stucco siding yes
2010 205,000 Wood Shake Roof 1,950 3 > $10,000 Deductible 200 4 Fiber-Cement Siding No
2001 255,000 Wood Shake Roof 1,790 5 > $10,000 Deductible 290 5 Vinyl siding yes
2010 365,000 Membrane Roof 3,060 5 $5000 to $10,000 Deductible 600 7 Vinyl siding No
2004 435,000 Wood Shake Roof 3,160 4 > $10,000 Deductible 360 3 Stucco siding No
1992 470,000 Wood Shake Roof 3,170 5 $500 Deductible 2330 10 Vinyl siding yes
1994 635,000 Composition Roof 4,270 5 $2500-$5000 Deductible 710 4 Brick siding No
1991 400,000 Tile Roof 2,740 4 > $10,000 Deductible 780 7 Stone Siding No
2001 355,000 Tile Roof 2,350 4 $500- $1000 Deductible 1700 12 Stone Siding yes
1990 390,000 Shingles Roof 2,560 4 $500- $1000 Deductible 2110 12 Stone Siding No
1997 460,000 Shingles Roof 3,070 5 $1000-$2500 Deductible 1190 8 Stucco siding yes
2003 290,000 Composition Roof 2,310 3 $5000 to $10,000 Deductible 220 2 Stucco siding yes
2008 265,000 Metal Roof 1,980 3 $2500-$5000 Deductible 530 6 Wood siding yes
1995 195,000 Wood Shake Roof 1,600 3 $2500-$5000 Deductible 610 9 Stone Siding yes
2008 630,000 Asphalt Shingles Roof 4,520 5 $500- $1000 Deductible 970 3 Wood siding No
2010 555,000 Tile Roof 4,460 5 $1000-$2500 Deductible 1180 5 Vinyl siding No
1998 205,000 Membrane Roof 1,810 3 $500 Deductible 570 7 Brick siding yes
2008 395,000 Tile Roof 3,190 4 $500 Deductible 1920 9 Wood siding No