Home Insurance in Hagerstown, MD

Find the right home insurance in Hagerstown, MD, to protect your house and bring you peace of mind.
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A City at a Crossroads

Thanks to its location where multiple states come together, the estimated 43,701 of Hagerstown enjoy close proximity to northern Virginia, Maryland, West Virginia and Washington DC. With so many places nearby, there is never a lack of exciting activities to check out. Arts lovers can check out the Maryland Theater and the Washington County Museum of Fine Arts, both listed among Trip Advisor's top attractions in the city.

The average home value in Hagerstown is $176,347. which is nearly half of the Maryland average. That makes it an affordable place to live. Still, just under 40% of houses are owner-occupied, meaning a large portion of the population rents.

Homes in Hagerstown tend to be slightly older, with a median construction year of 1961. That can affect insurance costs since older building styles and materials may not withstand severe weather, as well as newer homes. It's a good idea to consider several options for home insurance in Hagerstown, MD, with multiple quotes from VIU by HUB.

Hagerstown Insurance Coverage Options

Many Hagerstown homeowners will find that a standard home insurance policy with liability, personal property and dwelling coverage is sufficient for their needs. These protect you against most common claims, such as storm damage or if someone becomes injured on your property.

Some home policies cover only listed events, while others cover all losses that are not specifically excluded. Therefore, you should read insurance documents carefully before purchasing home insurance to ensure you have the coverage you need for the risks you are most likely to face.

The risk of natural disasters in Hagerstown is very low. Risk Factor indicates that there are minimal dangers associated with wildfires in the area. However, most properties face at least some minor risk of wind damage from severe weather, and flooding is a possibility for about 21% of properties.

According to City-Data.com, Hagerstown has a slightly higher crime rate compared to U.S. averages. This translates to higher risk for insurance underwriters, which is reflected in the cost of home insurance in Hagerstown, MD. Installing security features may help reduce how much you pay.

Hagerstown home values are relatively low compared to the rest of the state. As a result, homeowners here may opt for a home policy with lower coverage values. However, it is important to consider the cost of rebuilding when choosing coverage. When comparing policies, ask whether they pay full replacement costs or if the coverage is for a fixed dollar amount.

Factors Impacting the Cost of Home Insurance in Hagerstown, MD

The average price for a Hagerstown homeowner's policy with $250,000 in dwelling coverage is $2,029.00. This is roughly $500 higher than the average price for a Maryland policy. High crime rates and population density may play a role in these rates.

There are several other factors that can impact how much you pay for home insurance in Hagerstown, MD, including your:

  • Personal credit score
  • Home claims history
  • Home value, age and construction type
  • Local construction costs
  • Security features
  • Family pets

Working with an agent can help you find discounts that can help you save on premiums. When you choose to shop with VIU by HUB, we will provide you with quotes and coverage options from multiple companies. This gives you the opportunity to find appropriate coverage for home insurance in Hagerstown, MD, at an affordable price.

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




Risk Factor

Trip Advisor

U.S. Census Bureau


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