Get multiple home insurance quotes in 20603. Our licensed 20603, MD agents are ready to serve you.

20603 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 20603 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Waldorf, MD. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 20603 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Maryland, like average Waldorf homeowners insurance rates, coverage options or home insurance types, please select Waldorf, MD Home Insurance Rates Online!

20603 Home Insurance Average Premiums

Local 20603 homeowners insurance quotes comparison

$604 /yr.

Shows Zip Code: 20603 lowest rates with discounts applied on average.

For the 20603, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$604 /yr.
Average Coverage:$854 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1154 /yr.

What is the average home insurance cost for a home in 20603?

  • • The average homeowners insurance premium paid annually for a home in 20603 is around $854 per year.

What does it cost on average per month for home insurance in 20603?

  • • Homeowners in 20603 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 20603?

  • • Autoowners in 20603 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Waldorf, check out other zip codes nearby 20603.
To review average rates in another zip code, click on a zip code below:
20602  |  20603  |  20601  | 

Home Replacement Cost Coverage in 20603

Average Building Cost Per Square Foot in 20603: $190

Location: Waldorf, Maryland (Charles County)

Average Square Footage in 20603: 1,898 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 20603 before you start any project. Waldorf homeowners pay on average around $190 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 20603 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 20603 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,898 sq. ft. and the average cost to rebuild the home in this area is around $190 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Waldorf area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1901,898$360,600
Additional Upgrades & Added Features$2381,898$450,750
Major Home Updates or Advancements$2851,898$540,900

It's important to understand that when you estimate your replacement cost of your home in the 20603 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 20603

Best Home & Auto Insurance Agencies in 20603

Lockwood- William E

Address: 3200 Crain Hwy, #202 Waldorf, MD 20603
Phone:
Website:
Info:

Lockwood, Bill - State Farm Insurance Agent

Address: 3200 Crain Hwy Waldorf, MD 20603
Phone:
Website: http://www.washingtondc.citysearch.com/profile/603123342/waldorf_md/lockwood_bill_state_farm_insurance_agent.html
Info:

Staples Insurance Agency Inc - State Farm Insurance Agent

Address: 173 Saint Patricks Dr Waldorf, MD 20603
Phone:
Website: http://www.washingtondc.citysearch.com/profile/external/662306340/waldorf_md/staples_insurance_agency_inc_state_farm_insurance_agent.html
Info:

AF Szabo Insurance Agency Incorporated

Address: 11705 Berry Rd, Ste 101 Waldorf, MD 20603
Phone:
Website: http://www.szaboinsurance.com/
Info:

Housing Demographics for 20603

Population Review for 20603 Zip Code

For the city of Waldorf, the population within 20603 has increased to over 34,432 residents in population size. The current population total is 32,485. We have broken down the population based on race below. In 20603, there are over 15077 in male population and 17408 females.

PopulationValues
Total Population32,485
White Population6321
Black Population20329
Hispanic Population2394
Asian Population1876
Hawaiian Population27
Indian Population181
Other Population1117
Male Population15077
Female Population17408
Population Estimate34432

Household Data for 20603

The average number of homes in 20603 is around 11,063, there are an average of 2.92 per household. The average house value according to local real estate values is around $360,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,063
Persons Per Household2.92
Average House Value$360,600
Income Per Household$126721
Median Age37.9
Median Age Male35.4
Median Age Female39.5
20603 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code240/301
CityWaldorf
City Alias NameWALDORF
CountyCharles
County FIPS017
State FIPS24
Time Zone5
Day Light SavingY
MSA8872
PMSA8840
CSA548
CBSA47900
CBSA_DIV47764
CBSA_TypeMetro
CBSA_NameWashington-Arlington-Alexandria, DC-VA-MD-WV
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameWashington, DC-MD-VA-WV PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses443
Number Of Employees6002
Business First Quarter Payroll41794
Business Annual Payroll186761
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5582170
CBSA Division Population1611694
Congressional District05
Congressional LandArea1481.24
Delivery Residential11792
Delivery Business362
Delivery Total16906
Preferred Last Line KeyV24586
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameWashington, DC-MD
City State KeyV24586
Land Area16.197000
Water Area0.085000
City Alias Code
City Mixed CaseWaldorf
City Alias Mixed CaseWaldorf
Box Count98
SFDU7021
MFDU764
State ANSI24
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number239324
Unique ZIP Name
SSA State County Code21080
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseCharles

Maryland Homeowners Insurance News & Information

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    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]