Middle River Insurance Rates:

Middle River, MD homeowners insurance is nearly $574 to $779, about $47-$64/month. Our detailed guide reveals consumers can save as much as $270 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Travelers
The insurance company settles claims quickly. they send an adjuster out to review damage and tell you right away the amount they will give for repairs.
Travelers
When i need to talk to a person rather than just interact with the online system, i often have to wait for a long time to get a person on the phone.
State Farm
The service is truly amazing. in sixteen years of having car insurance (and home later) i have had to use it one time. a quick phone call to my agent and all was taken care of - i literally had to do nothing other than talk to him for about 5 minutes.
Usaa
Getting the people on the phone can be a hassle and there are no local branches. Once you do get them on the phone they are really nice to talk to and easy to work with.
Usaa
The website is very easy to use and easy to navigate. It is professionally designed and has a clean appearance. It allows me to take care of any business I would need to do such as online payments, requests for changes, etc.
Usaa
Overall, the premiums for all home insurance policies seem high, however, USAA's was the most affordable for us in our area.
Usaa
I wish my premium would be a bit lower. I do know that my premium is much lower than other companies though.
Usaa
I pretty satisfied. When I was closing on my house, they gave very succinct information and guided me through the process. They even had to change the policy several times but was more than willing to oblige me.

Middle River, MD Homeowners Insurance By Home Value

Middle River, MD Home Value Total Homes % of Total Average Middle River, MD Homeowners Insurance
Less than $50,000 832 14.0% $94
$70,000 to $79,999 82 1.0% $291
$80,000 to $89,999 64 1.0% $331
$90,000 to $99,999 231 4.0% $365
$100,000 to $124,999 514 9.0% $426
$125,000 to $149,999 416 7.0% $534
$150,000 to $174,999 807 14.0% $629
$175,000 to $199,999 632 11.0% $731
$200,000 to $249,999 687 12.0% $880
$250,000 to $299,999 733 13.0% $1076
$300,000 to $399,999 485 8.0% $1367

Top Home Insurance Agents Near Middle River, MD

Home Insurance Company Near Middle River, MD Homeowners Insurance Agency Near Middle River, MD Address
Travelers Affordable Insurance Network Of Delaware 1218 PULASKI HIGHWAY STE 490, BEAR, DE, 19701
State Farm Kim Musser 10724 Ltl Patux Pkwy Ste 201, Columbia, MD, 21044-3249
Travelers Kocman Insurance Group 3217 E Market St , York, PA, 17402
State Farm Mike O'Dell 39 East Forrest Avenue, Shrewsbury, PA, 17361-1428
Travelers Ramseys Insurance Inc 2049 WEST ST STE 202, ANNAPOLIS, MD, 21401

Cost Of Homeowners Insurance By Street Near Middle River, MD

Streets in Middle River Area Homeowners Insurance Cost
Grantwood Rd, Beefwood Ct, Covered Wagon Rd, Edwards Ln, Victoria Rd, Greenbriar Way, Fern Pl, Butternut Dr, Morane Way, Compass Rd$683
Bird River Rd, Berk Ave, Midego Dr, Bevans Rd, Middlesex Rd, Yew Rd, 1st Rd, Race Rd, Cold Spring Rd, Village Green Ln$688
Narcissus Ave, Lynbrook Rd, Blue Spire Cir, Mulberry Ln, Galloway Rd, Dahlia Ln, Riverdale Ave, Mildred Ave, Dee Way, Armstrong Rd$671
Tupelo Pl, Gambrill Rd, Martin Blvd, Duvall Ave, Gettig Rd, Middle Rd, Sweet Gum Ct, Kerria Ln, Hawthorne Rd, Frog Mortar Rd$680
Brandt Ave, Whistle Stop Rd, Runway Ct, Davison Rd, Lariat Rd, China Clipper Cir, Sapelo Rd, Cockspur Rd, Maple Dr, Anna Dr$675

Middle River, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Middle River$101 to $103
Essex$102
Rossville$104
Bowleys Quarters$105

Middle River, 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
Essex CDP, Maryland $86 $114 $171
Rossville CDP, Maryland $87 $115 $173
Bowleys Quarters CDP, Maryland $88 $117 $176

Middle River, 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
Middle River, MD3.9%11.0%
Essex3.65%12.42%
Rossville3.24%11.14%
Bowleys Quarters3.16%9.91%

Middle River Renters Insurance as a Percentage of Rent

Middle River Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 46 1.0% $796
$300 to $499 68 1.0% $1246
$500 to $749 248 6.0% $1921
$750 to $999 1,027 28.0% $2671
$1,000 to $1,499 1,988 54.0% $3796
$1,500 or more 261 7.0% $5446

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
280,000 500 Frame 25 Cincinnati Insurance Co. 988
380,000 1,000 Frame 10 Cincinnati Insurance Co. 1,082
330,000 1,000 Masonry 15 Ids Property Casualty Ins. Co. 1,227
380,000 1,000 Frame 10 Ngm Insurance Co. 1,079
280,000 500 Frame 25 Nationwide General Insurance Co. 914
380,000 1,000 Frame 10 Peninsula Insurance Co. 939
330,000 1,000 Masonry 15 Privilege Underwriters Reciprocal Exch. 2,113
280,000 500 Frame 25 State Auto Property & Casualty Ins. Co. 816
330,000 1,000 Masonry 15 Universal North America Insurance Co. 1,037
380,000 1,000 Frame 10 Universal North America Insurance Co. 1,252

Middle River, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$1,800
Yearly Middle River Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,300$6,800
Net Savings to Middle River Home Owner from High Deductible Plan $1,500

Middle River, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Middle River, MD Home Replacement Value MORE than Home Value Middle River, MD Home Replacement Value LESS than Home Value
Replacement Value $198,500 $117,500
Insurance Premium based on Replacement Value $825 $500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $48,000 Risk Exposure from Under Insuring Coverage is $33,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $200/year

Example Middle River Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceState FarmAllstate
Monthly Premium 6470101
Year Built 198519981965
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $125000-$150000$175000-$200000$200000-$250000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Middle River, 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 325,000 Wood Shake Roof 2,780 4 $1000-$2500 Deductible 100 1 Stucco siding yes
2010 280,000 Wood Shake Roof 2,860 4 $1000-$2500 Deductible 560 5 Vinyl siding No
1995 180,000 Asphalt Shingles Roof 2,090 4 $500- $1000 Deductible 320 4 Stone Siding yes
1986 205,000 Metal Roof 1,710 4 $1000-$2500 Deductible 220 3 Fiber-Cement Siding yes
1960 215,000 Membrane Roof 2,170 4 $5000 to $10,000 Deductible 410 9 Brick siding No
2014 245,000 Composition Roof 2,400 3 $500 Deductible 570 6 Wood siding No
1985 210,000 Tile Roof 2,080 4 $500- $1000 Deductible 520 7 Stone Siding No
2013 160,000 Composition Roof 1,420 3 $5000 to $10,000 Deductible 250 5 Fiber-Cement Siding yes
1986 290,000 Shingles Roof 2,820 4 $500 Deductible 550 6 Fiber-Cement Siding yes
1988 110,000 Metal Roof 1,220 3 $500 Deductible 80 2 Brick siding yes
1950 220,000 Composition Roof 2,240 3 $500 Deductible 1090 9 Stucco siding No
1992 310,000 Membrane Roof 2,900 4 $5000 to $10,000 Deductible 160 2 Stone Siding yes
1980 145,000 Tile Roof 1,640 3 $500 Deductible 200 4 Fiber-Cement Siding yes
1984 305,000 Tile Roof 2,740 4 $5000 to $10,000 Deductible 950 9 Stucco siding yes
2012 365,000 Metal Roof 3,020 4 > $10,000 Deductible 440 4 Wood siding No
1988 355,000 Membrane Roof 3,040 4 $5000 to $10,000 Deductible 720 8 Stucco siding No
1998 180,000 Shingles Roof 1,890 4 $5000 to $10,000 Deductible 70 1 Vinyl siding No
1993 185,000 Metal Roof 1,610 3 $5000 to $10,000 Deductible 140 3 Stucco siding yes
1961 155,000 Metal Roof 1,880 4 $5000 to $10,000 Deductible 80 2 Stucco siding yes
1962 160,000 Membrane Roof 1,820 3 $1000-$2500 Deductible 140 3 Wood siding yes