Severn Insurance Rates:

Severn, MD homeowners insurance is nearly $611 to $830, about $50-$69/month. Our exhaustive research indicates shoppers can save upto $288 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
Usaa has always paid our claims quickly. we have had many small claims due to power outages, and they have been paid out within weeks every time.
State Farm
Flood insurance is not included in their plan. while this is not uncommon for insurance companies, there is also not a clear cut way to add on flood insurance.
Usaa
My home insurance company is the best, they provide the best services to their customers. i have really enjoyed their company for the past years.
Allstate
Again, I have yet to file a claim with my homeowner's insurance, and therefore I have little interaction outside of my agent. I am very satisfied with my agent.
State Farm
Good customer service, tons of local offices which is a huge plus and quite knowledgeable about their products. Really like how you can talk to people in person vs. having to do it over the phone.
Farmer's Insurance
The only thing I can say about USAA that I don't like is the large amount of correspondence that I seem to get from them. I seem to always have an email or something in the mail from them every week.
State Farm
I like the company because we have had no problems with them. They are friendly when we reach out with a problem. They provide adequate communication. They are efficient at resolving claims.
Allstate
Overall, I like the home insurance plans provided by my company. I feel that the coverage is excellent and will help protect me in the future. I also appreciate their fast and responsive customer service support team.

Severn, MD Homeowners Insurance By Home Value

Severn, MD Home Value Total Homes % of Total Average Severn, MD Homeowners Insurance
Less than $50,000 551 6.0% $50
$50,000 to $59,999 85 1.0% $108
$60,000 to $69,999 157 1.0% $136
$80,000 to $89,999 121 1.0% $180
$100,000 to $124,999 132 1.0% $230
$125,000 to $149,999 98 1.0% $288
$150,000 to $174,999 265 3.0% $346
$175,000 to $199,999 335 4.0% $396
$200,000 to $249,999 1,155 14.0% $475
$250,000 to $299,999 1,432 17.0% $584
$300,000 to $399,999 3,852 46.0% $742

Top Home Insurance Agents Near Severn, MD

Home Insurance Company Near Severn, MD Homeowners Insurance Agency Near Severn, MD Address
NA H. U. Dove & Company, Inc. 250 S President St Ste 3700, Baltimore, MD, 21202
State Farm Cindi Scafide 1300 Spring St Ste 132, Silver Spring, MD, 20910-3653
Nationwide Doerfer Ins Services Inc 600 E Joppa Rd, Towson, MD, 21286-5456
Allstate Richard A. Abel 1215 Annapolis Rd Ste 205B, Odenton, MD, 21113
Travelers Watson & Watson 16033 COMPRINT CIRCLE, GAITHERSBURG, MD, 20877

Cost Of Homeowners Insurance By Street Near Severn, MD

Streets in Severn Area Homeowners Insurance Cost
Stinchcomb Rd, Matisse Ct, Mulberry Rd, Timberlake Ct, Equestrian Dr, Tatum Ave, Cypress Landing Rd, Hercules Rd, Eagle Ct, Gesna Dr$734
Chalet Ct, Mount Aventine Rd, Neath Ln, Walnut Grove Rd, Clearwater Ct, Gina Nicole Ct, Barnhill Cir, Village Square Ct, Provincial Ln, Cowsill Dr$720
Woodhall Dr, Harvey Ave, Eason Dr, Acrocomia Ct, Gloria Ave, Brink Ct, Citadel Dr, Warren Ave, Langdon Farm Cir, Triple Feather Rd$702
Crossbay Ct, Race Rd, Monaco Dr, Stafford Hill Ct, Linda Pl, McNelin Way, Carol Dr, Colonial Park Dr, Chestnut St, Merriweather Way$727
Luedtke Ln, Brookstone Ct, Autumn Lake Ct, Crystal Brook Way, State Hwy 713, Hurley Ct, Garfield Ave, Sappling Dr, Pine Croft Ct, Martock Ln$723

Severn, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Severn$107 to $110
Fort Meade$99
Gambrills$113
Jessup$106

Severn, 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
Gambrills CDP, Maryland $94 $125 $188
Jessup CDP, Maryland $89 $118 $177
Odenton CDP, Maryland $90 $119 $179

Severn, 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
Severn, MD2.7%10.1%
Gambrills2.33%11.49%
Jessup2.66%13.56%
Odenton2.77%10.57%

Severn Renters Insurance as a Percentage of Rent

Severn Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 80 2.0% $1224
$500 to $749 164 4.0% $1899
$750 to $999 337 8.0% $2649
$1,000 to $1,499 1,682 43.0% $3774
$1,500 or more 1,523 39.0% $5424

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
440,000 500 Frame 45 Aig Property Casualty Co. 1,254
440,000 500 Frame 45 Allied Property & Casualty Insurance Co. 1,324
580,000 1,000 Frame 15 Allied Property & Casualty Insurance Co. 1,232
530,000 1,000 Masonry 25 Esurance Insurance Co. 1,300
440,000 500 Frame 45 Garrison Property & Casualty Ins. Co. 2,009
480,000 500 Frame 35 Peninsula Insurance Co. 1,324
580,000 1,000 Frame 15 Praetorian Insurance Co. 1,304
440,000 500 Frame 45 State Auto Property & Casualty Ins. Co. 1,109
530,000 1,000 Masonry 25 Usaa General Indemnity Co. 2,143
530,000 1,000 Masonry 25 Unitrin Auto & Home Insurance Co. 1,396

Severn, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$2,500
Yearly Severn Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,500$9,000
Net Savings to Severn Home Owner from High Deductible Plan $500

Severn, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Severn, MD Home Replacement Value MORE than Home Value Severn, MD Home Replacement Value LESS than Home Value
Replacement Value $423,500 $252,000
Insurance Premium based on Replacement Value $2,075 $1,225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $98,000 Risk Exposure from Under Insuring Coverage is $73,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $500/year

Example Severn Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAmica Mutual Insurance CompanyState Farm
Monthly Premium 129159247
Year Built 200020141995
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $350000-$400000$500000-$600000$600000-$700000
Deductible $500- $1000 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 315,000 Composition Roof 1,550 3 $500- $1000 Deductible 90 1 Wood siding No
2012 315,000 Tile Roof 1,670 4 $500 Deductible 250 2 Brick siding No
2014 435,000 Metal Roof 2,270 3 $5000 to $10,000 Deductible 1120 10 Stucco siding No
1984 510,000 Shingles Roof 3,630 5 $500- $1000 Deductible 560 3 Stone Siding No
1983 250,000 Tile Roof 1,650 3 $5000 to $10,000 Deductible 300 5 Stone Siding No
1991 390,000 Shingles Roof 2,030 3 $1000-$2500 Deductible 250 2 Stone Siding No
2006 540,000 Metal Roof 3,320 4 $2500-$5000 Deductible 2020 12 Stone Siding yes
1999 300,000 Composition Roof 2,020 3 > $10,000 Deductible 710 10 Wood siding No
2013 330,000 Tile Roof 2,030 4 $500 Deductible 1660 9 Fiber-Cement Siding yes
1986 235,000 Membrane Roof 1,330 3 $1000-$2500 Deductible 500 7 Brick siding yes
2006 720,000 Asphalt Shingles Roof 4,200 5 > $10,000 Deductible 1880 10 Stucco siding yes
2010 325,000 Tile Roof 1,950 4 > $10,000 Deductible 380 8 Fiber-Cement Siding No
2007 225,000 Membrane Roof 1,580 3 $2500-$5000 Deductible 240 3 Brick siding No
2002 600,000 Shingles Roof 3,370 4 > $10,000 Deductible 360 3 Stucco siding No
1995 375,000 Membrane Roof 2,330 3 $1000-$2500 Deductible 560 3 Vinyl siding No
2011 305,000 Shingles Roof 1,930 4 > $10,000 Deductible 190 3 Fiber-Cement Siding No
2011 245,000 Membrane Roof 1,680 4 $1000-$2500 Deductible 210 3 Stone Siding No
1992 790,000 Composition Roof 3,860 5 $500- $1000 Deductible 2660 10 Vinyl siding No
1980 640,000 Wood Shake Roof 3,390 4 $5000 to $10,000 Deductible 890 6 Vinyl siding yes
2012 395,000 Wood Shake Roof 2,140 5 $2500-$5000 Deductible 480 4 Stucco siding No
2006 895,000 Slate Shingles Roof 4,590 5 $5000 to $10,000 Deductible 2260 8 Vinyl siding No
1987 390,000 Asphalt Shingles Roof 1,930 3 $500- $1000 Deductible 1720 12 Fiber-Cement Siding yes
1988 460,000 Composition Roof 3,100 4 $2500-$5000 Deductible 1840 12 Brick siding No
1988 830,000 Shingles Roof 4,170 5 > $10,000 Deductible 1580 8 Fiber-Cement Siding No
1988 930,000 Wood Shake Roof 4,960 5 $500 Deductible 3750 10 Wood siding yes