Carrs Insurance Agency
911 E Gladstone Ave, Frederick, OK 73542
View this agency's profile to learn more about their services.
Loading...
City directory
Frederick households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
911 E Gladstone Ave, Frederick, OK 73542
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Frederick residents.
Frederick drivers pay $2,021/year for full coverage—$252 below state average. Learn MD's 30/60/15 requirements, PIP options & I-70/I-270 corridor risks.
While not legally required outside high-risk zones, flood insurance is strongly recommended in Frederick. About 4% of properties face significant flood risk, and the 2018 storms showed that localized flooding can occur anywhere when intense rainfall overwhelms stormwater infrastructure. More than 20% of flood claims come from moderate-to-low risk areas, and a preferred-risk policy costs only $400-500 annually.
Frederick has the lowest average home insurance rate among Maryland's 15 most populated cities at $1,336 annually. For comparison, the state average is higher, and Travelers offers the most competitive Frederick rates at around $822 per year. However, rates have increased over 25% since 2021, so it's important to shop around annually.
Historic homes in Frederick's 50-block Downtown Historic District require guaranteed replacement cost coverage and ordinance or law coverage. Standard policies may underinsure these properties by 30-40% because rebuilding with period-appropriate materials and meeting Historic Preservation Commission requirements costs significantly more than conventional construction. Specialized historic home policies typically cost 15-25% more but provide essential protection.
Yes, your elevation relative to Catoctin Mountain can impact your rates. Properties at higher elevations typically face lower flood risk and may qualify for premium discounts, while homes downslope from developed areas face increased runoff risk during heavy storms. The region's higher-than-average rainfall—exceeding 80% of Maryland locations—means proper drainage and flood assessment are critical when evaluating coverage needs.
Absolutely. Frederick's median home value reached $435,707 in 2025, and the county has seen rapid appreciation over the past few years. Your dwelling coverage should reflect current reconstruction costs, not your purchase price or market value. Review coverage annually and consider an inflation guard endorsement that automatically adjusts your limits to keep pace with rising construction costs in Frederick's hot market.
Water backup and sump pump failure coverage. Frederick's intense storm events can overwhelm sewer systems and stormwater drains, causing water to back up into basements and lower levels. This damage isn't covered by standard homeowners policies—you need a specific endorsement that typically costs $40-80 annually but covers thousands in potential water damage from infrastructure failures.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network