Home Insurance in Frederick, MD

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Protect Your Dream Home with Home Insurance in Frederick, MD

It isn't surprising that Livability.com recently named Frederick as one of the best places to live in the United States. The nearly 80,000 residents enjoy living in a city filled with historic buildings, a hip culinary scene, several craft breweries and a vibrant art community.

Carol Creek Park, made up of a stunning canal with charming bridges, fountains and water gardens, winds for more than a mile directly through the heart of the city. A short distance from the city itself, residents have access to the historic C&O Canal National Park, beautiful hiking and biking trails and multiple championship golf courses.

With so many outstanding features, it's no wonder you've set your sights on making a home in this charming and sophisticated city. Make sure you're prepared to care for your new home by finding quality home insurance in Frederick, MD.

Owning a Home in Frederick, MD

Frederick is one of the most desirable areas in the country, and that is reflected in the median home price of $408,300. which is 5% higher than the state average and 20% higher than the national average. Home values in the area are rising steadily though, so purchasing now could be an excellent investment.

Fortunately, although home prices are higher than average, the 60% of Frederick residents who own their homes don't pay more for homeowner's insurance. On average Maryland residents pay a significant amount less than the national average of $1,428.

The Importance of Home Insurance

Buying a home is likely to be the largest purchase you will ever make. Homeowners insurance helps you protect that investment from risks such as vandalism, fire and various natural disasters.

A standard policy will generally provide protection for your home's physical structure, other structures on your property that are attached to or adjacent to your house, personal property within your home and liability coverage for accidents that occur on the premises.

Home Insurance in Frederick, MD

The state of Maryland does not require homeowners to carry insurance; however, your mortgage lender most likely will. Additionally, beyond the high value of a home in Frederick, there are several reasons that homeowners in the area would be advised to purchase a policy.

  • Property crime in Frederick is near the national average.
  • The climate in Frederick is prone to snow in the winter which can cause slip and fall accidents and roof damage.
  • Frederick sees heavy rains in the spring and has a moderate to severe risk of flooding over the next 30 years.

Homeowners need to be aware that home insurance does not cover floods. You should pursue flood protection through the National Flood Insurance Program.

Factors that Impact the Cost of Home Insurance

While knowing the average cost of home insurance in your area is helpful, it is important to note that premiums can vary significantly across the country and even within individual states or cities. Common factors that can affect these costs include:

  • The exact location of your home
  • How much it will cost to replace your home
  • Your home's age and condition
  • How much coverage do you choose to carry, what additional coverage options and bundle discounts
  • The size of your deductible

Homeowners need to educate themselves about various carriers and request quotes from multiple companies before making a commitment. Using a trusted service like VIU by HUB to compare prices and policies can help you make the best choice to safeguard your home and personal property.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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