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Carroll County, MD Homeowners Insurance Quotes

A Carroll County home insurance policy can protect your home from major damages due to fires, lightning, hurricanes, high winds, theft, falling objects and even vandalism. This type of coverage is known as a basic or standard Maryland home insurance policy.

Coastal Carroll County Home Insurance

It's also important to know that flood protection is crucial for coastal areas like Carroll County that are prone to hurricanes and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your standard home insurance policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Carroll County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Carroll County Rates & Savings!

When discussing homeowners insurance coverage within or nearby Carroll County, residents are finding great ways to save time and money by getting cheaper premiums when they shop online because you can compare prices and coverages. Maryland may not be considered the cheapest state in the country to buy home insurance, but it does rank lower than average at a nationwide rank of 29. Homeowners within Carroll County, MD are currently paying $1169 for home insurance on average, where the majority of the U.S. homeownership population pays around $1,249. These average home insurance rates reflect the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop lower rates with savings up to 40% or more and compare up to 12 competitive quotes for you today! Start a Carroll County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Carroll County, MD residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Carroll County? Simply enter your zip code to get your Maryland homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Carroll County, MD Housing Demographics

With 167,134 residents living within the Carroll County area there are over 62,406 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 45,163 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Carroll County.

DemographicValues
Total Occupied Households59,786
Family Households (families)45,163
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units62,406

Carroll County, MD Coastal Wind, Hail & Flood Information

For all homeowners living in Carroll County (FIPS: 24013), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Maryland is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Carroll County, MD, it's important that you look into hurricane and windstorm insurance options.

Carroll County, MD Home Insurance Average Premiums

Local Carroll, MD homeowners insurance quotes comparison

$874 /yr.

Maryland's Average Home Insurance Rates Overall

For the state of Maryland, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 29 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$637 /yr.
Current Average Cost:$874 /yr.
Maximum Range:$1169 /yr.

Carroll County, MD Coastal Wind, Hail & Flood Information

Carroll is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Maryland Homeowners Insurance News & Information

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Discounts For Homeowners in Carroll County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Maryland homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Carroll County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Carroll County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Carroll County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Carroll County Housing & Real Estate Data

Details:Statistics
Total Housing Units62406
Occupied Housing Units59786
Vacant Housing Units2620
Vacant Housing Units for Rent644
Vacant Housing Units Rented Not Occupied51
Vacant Housing Units For Sale645
Vacant Housing Units Sold Not Occupied126
Vacant Housing Units For Seasonal Occasional Use183
Vacant Housing Units All Other Vacants971
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent6
Housing Tenure Occupied Units59786
Housing Tenure Occupied Units Owner Occupied49028
Housing Tenure Occupied Units Owner Occupied Population139437
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied10758
Housing Tenure Occupied Units Renter Occupied Population24378
Housing Tenure Occupied Units Renter Occupied Average Household Size2