Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Somerset County, MD agent.

Somerset County, MD Homeowners Insurance Quotes

We can help you get a free and quick comparison of Somerset County, MD home insurance rate quotes to easily review. We like to help you shop up to 12 competitive home insurance rates with a variety of coverage options from a standard policy to a multi-line packaged discount policy that would include your home and auto insurance together. A standard (HO-3) policy for homeowners living in Somerset County includes protection against most perils, but does not include coverage for flood or earthquake damage. Don't worry, our home insurance professionals of Maryland can help you figure out which policy is best for you.

Homeowners living in Somerset County, pay on average around $1169 a year or $97.42 per month. Let us help you explore multiple coverage options and provide up to 40% in discounted savings for your new policy. For online quotes, please enter your zip code of the property you would like to insure today or give us a call now at 1-855-976-2656

For all Somerset 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 Somerset 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.

Somerset County, MD Housing Demographics

With 26,470 residents living within the Somerset County area there are over 11,130 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 5,478 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 Somerset County.

DemographicValues
Total Occupied Households8,788
Family Households (families)5,478
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units11,130

Somerset County, MD Coastal Wind, Hail & Flood Information

For all homeowners living in Somerset County (FIPS: 24039), 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 Somerset County, MD, it's important that you look into hurricane and windstorm insurance options.

Somerset County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Maryland.

Helpful Articles:

Somerset County, MD Home Insurance Average Premiums

Local Somerset, 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.

Somerset County, MD Coastal Wind, Hail & Flood Information

Somerset 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.

Flood Zone Notice: The beautiful coastal county of Somerset is know for it's beautiful beaches and waterways. Because Somerset County (FIPS: 24039) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Somerset County.

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 Somerset 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 Somerset 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 Somerset 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 Somerset 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.

Somerset County Housing & Real Estate Data

Details:Statistics
Total Housing Units11130
Occupied Housing Units8788
Vacant Housing Units2342
Vacant Housing Units for Rent283
Vacant Housing Units Rented Not Occupied25
Vacant Housing Units For Sale262
Vacant Housing Units Sold Not Occupied101
Vacant Housing Units For Seasonal Occasional Use869
Vacant Housing Units All Other Vacants802
Housing Units Homeowner Vacancy Rate Percent4
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units8788
Housing Tenure Occupied Units Owner Occupied5629
Housing Tenure Occupied Units Owner Occupied Population13344
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied3159
Housing Tenure Occupied Units Renter Occupied Population7475
Housing Tenure Occupied Units Renter Occupied Average Household Size2