Severna Park Insurance Rates:

Severna Park, MD homeowners insurance is nearly $645 to $877, about $53-$73/month. Our exhaustive guide shows customers can save upto $304 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Usaa
I dislike having to go through so many steps to log into my account. I understand that security has its value, but remember my device and just let me do a one-step log in already. It's very frustrating. I also don't like that our premiums for both home and auto have doubled in the past 2 years with no claims and no accidents.
American Home Insurance
Every time we call it is an extremely long wait time. The people that answer do not seem interested in helping and try to sell more things that we do not need.
Usaa
I think that they are personable and know their industry well.
Usaa
There's nothing to dislike. We wouldn't have stayed with USAA for this many years if we weren't convinced that they offered a superior product at competitive prices.
Usaa
They don't bother us with announcements about everything or try to get us to buy other services. They may have in the beginning, I really don't remember, but they have the option to turn on/off various notifications, and I tend to always turn most of them off. So, overall, very happy with the (lack of) communication between them and us.
Travelers
It was easy to get a quote very quickly that provided the necessary coverage for my needs.
State Farm
Filing a claim with them has been very easy. the filing process was quick. the payment was provided almost immediately.
Usaa
Their website is very easy to use. they also provide a quote builder which is very easy to use.

Severna Park, MD Homeowners Insurance By Home Value

Severna Park, MD Home Value Total Homes % of Total Average Severna Park, MD Homeowners Insurance
Less than $50,000 86 2.0% $38
$100,000 to $124,999 53 1.0% $167
$125,000 to $149,999 50 1.0% $213
$150,000 to $174,999 64 1.0% $251
$175,000 to $199,999 61 1.0% $289
$200,000 to $249,999 296 7.0% $350
$250,000 to $299,999 761 20.0% $426
$300,000 to $399,999 2,375 62.0% $547

Top Home Insurance Agents Near Severna Park, MD

Home Insurance Company Near Severna Park, MD Homeowners Insurance Agency Near Severna Park, MD Address
Nationwide Bruce Cohee Agency Inc 901 Dulaney Valley Rd Suite 306, Towson, MD, 21204-0620
Travelers Corporate Benefits Inc 2530 RIVA ROAD STE 310, ANNAPOLIS, MD, 21401
State Farm Gina Mines 3903 Fair Ridge Dr Ste 221, Fairfax, VA, 22033-2945
Travelers United Insurance & Investments 204 MONROE ST #210, ROCKVILLE, MD, 20850
Allstate Wendy Moore 44075 Pipeline Plz Ste 305, Ashburn, VA, 20147

Cost Of Homeowners Insurance By Street Near Severna Park, MD

Streets in Severna Park Area Homeowners Insurance Cost
Kennedy Dr, University Dr, Seaborne Dr, Graystone Ln, Ken Mar, Solar Ct, Elm Rd, Mangrove Rd, Spring Knoll Dr, Lynell Ct$724
Redwood Rd, Spring Haven Ct, Denington Ln, Old Earleigh Heights Rd, W Chestnut St, Swinton Way, Winding Woods Way, Champion Ct, Baskerville Ct, Listman Ct$751
Croxton Ct, Woodbent Dr, Woodland Rd, Idleoak Ct, Adler Ct, Kensington Ave W, Robinson Rd, Earleigh Hts Con, Bambridge Ct, Leelyn Dr$756
Birch Ave, Valleystream Rd, Drexel Dr, Kinder Rd, Old Orchard Cir, Glenns Rd, Sherburn Rd, Pasadena Rd, Clarence Ave, Manning Ct$756
Smugglers Cove Rd, McBride Ln, Old Annapolis Blvd, Webal Ct, Ixworth Ct, Dividing Creek Rd, Cypress Creek Rd, Fawn Ave, Evitt Ct, Highwood Path$749

Severna Park, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Severna Park$113 to $116
Arden on the Severn$111
Lake Shore$109
Gambrills$113

Severna Park, 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
Arden on the Severn CDP, Maryland $93 $124 $186
Herald Harbor CDP, Maryland $93 $124 $186
Lake Shore CDP, Maryland $91 $121 $182

Severna Park, 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
Severna Park, MD2.5%9.8%
Arden on the Severn2.54%12.71%
Herald Harbor2.85%12.4%
Lake Shore2.96%10.85%

Severna Park Renters Insurance as a Percentage of Rent

Severna Park Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 12 1.0% $1204
$500 to $749 13 1.0% $1879
$750 to $999 182 19.0% $2629
$1,000 to $1,499 205 22.0% $3754
$1,500 or more 512 55.0% $5404

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

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
480,000 500 Frame 35 American Security Insurance Co. 4,042
440,000 500 Frame 45 Esurance Insurance Co. 1,285
480,000 500 Frame 35 Farmers Insurance Exchange 802
440,000 500 Frame 45 Frederick Mutual Insurance Co. 1,133
580,000 1,000 Frame 15 Nationwide General Insurance Co. 1,183
480,000 500 Frame 35 Privilege Underwriters Reciprocal Exch. 1,592
480,000 500 Frame 35 Selective Ins. Co. Of South Carolina 1,446
530,000 1,000 Masonry 25 Standard Guaranty Insurance Co. 4,985
480,000 500 Frame 35 Stillwater P & C Insurance Co. 1,521
580,000 1,000 Frame 15 Universal North America Insurance Co. 1,667

Severna Park, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$5,400
Yearly Severna Park Homeowner Insurance Premium Example $2,600$1,600
Out of Pocket Expense During Claim$1,400$5,400
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $14,400$13,400
Net Savings to Severna Park Home Owner from High Deductible Plan $1,000

Severna Park, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Severna Park, MD Home Replacement Value MORE than Home Value Severna Park, MD Home Replacement Value LESS than Home Value
Replacement Value $529,500 $348,500
Insurance Premium based on Replacement Value $3,125 $2,050
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $104,000 Risk Exposure from Under Insuring Coverage is $77,000
Premium Impact Insurance cheaper by $450/year Insurance costlier by $625/year

Example Severna Park Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualErie InsuranceAmica Mutual Insurance Company
Monthly Premium 177285229
Year Built 199820021983
Home Details 4 Beds, 1 Baths5 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $500000-$600000More than 10000000$800000-$900000
Deductible $1000-$2500 Deductible> $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1997 575,000 Slate Shingles Roof 3,030 4 $500 Deductible 2380 10 Fiber-Cement Siding No
1974 320,000 Membrane Roof 1,600 5 $2500-$5000 Deductible 520 4 Brick siding yes
2003 500,000 Slate Shingles Roof 2,290 4 $1000-$2500 Deductible 1560 10 Stucco siding No
1998 990,000 Asphalt Shingles Roof 4,140 5 $1000-$2500 Deductible 4270 12 Vinyl siding No
1962 455,000 Slate Shingles Roof 2,240 5 $500- $1000 Deductible 170 1 Vinyl siding yes
1978 1,120,000 Shingles Roof 4,040 5 $2500-$5000 Deductible 740 2 Stucco siding No
1968 470,000 Membrane Roof 2,310 4 $1000-$2500 Deductible 1680 12 Vinyl siding yes
2002 430,000 Membrane Roof 1,970 4 $500 Deductible 440 2 Vinyl siding yes
1968 315,000 Tile Roof 1,620 4 $500- $1000 Deductible 480 4 Vinyl siding yes
1974 1,240,000 Composition Roof 4,900 5 $500- $1000 Deductible 1630 5 Stucco siding yes
1962 1,120,000 Slate Shingles Roof 4,250 5 $2500-$5000 Deductible 2710 9 Stucco siding No
1966 610,000 Membrane Roof 3,290 4 $2500-$5000 Deductible 680 4 Stone Siding yes
1977 520,000 Composition Roof 2,290 5 > $10,000 Deductible 750 5 Vinyl siding No
1969 520,000 Asphalt Shingles Roof 2,700 4 $1000-$2500 Deductible 1450 9 Brick siding yes
2001 725,000 Shingles Roof 2,890 4 > $10,000 Deductible 1720 12 Fiber-Cement Siding yes
1977 945,000 Slate Shingles Roof 4,080 5 $1000-$2500 Deductible 2670 6 Vinyl siding yes
1978 645,000 Shingles Roof 2,730 4 $500 Deductible 1830 7 Stone Siding No
1972 525,000 Wood Shake Roof 2,000 4 $2500-$5000 Deductible 1020 7 Fiber-Cement Siding No
1998 820,000 Wood Shake Roof 4,250 5 $5000 to $10,000 Deductible 2340 10 Stucco siding yes
1984 1,270,000 Wood Shake Roof 4,660 5 > $10,000 Deductible 450 2 Fiber-Cement Siding yes
1983 535,000 Asphalt Shingles Roof 2,560 4 $5000 to $10,000 Deductible 1250 7 Wood siding No
1997 585,000 Slate Shingles Roof 2,190 4 $500- $1000 Deductible 580 3 Stucco siding yes