21042 Home Insurance Rates

For homeowners living in 21042, the population estimates are increasing to well over 43,147 with 14,649 occupied homes within the zip code of 21042. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Ellicott City have increased and the average home insurance premium is around $955 per year in 21042. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 21042 zip code today so we can help you find affordable Ellicott City, MD home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 21042

Please select one of the three options below based on your 21042 zip code to learn more about Maryland homeowners insurance, plus review average rates and information per state, county or city.

1. Maryland Homeowners Insurance Quotes
2. Howard County, MD Home Insurance
3. Ellicott City, MD Home Insurance Quotes

21042 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 21042 zip code just got easier with GetHomeInsuranceQuotes.com of Ellicott City, MD. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 21042 today and let us help you review the best home insurance quotes available for homeowners living in Ellicott City.

Get 21042 Homeowners Insurance Rates Now!

Average Building Cost Per Square Foot in 21042: $190

Average Square Footage in 21042: 3,182 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21042 before you start any project. Ellicott City 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 21042 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 21042 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,182 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 Ellicott City 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.

It's important to understand that when you estimate your replacement cost of your home in the 21042 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.

Melville Scott & Son Inc

Angela C. Biniak Agency

Allstate Insurance - Kuljit Gill

Angela C. Biniak Agency

Porter- Larry E

McGrew- J Scott - State Farm Insurance Agent

James A Powell Agency - Nationwide Insurance

T L Ball Ins Agcy Inc - State Farm Insurance Agent

Household Data for 21042

The average number of homes in 21042 is around 14,649, there are an average of 2.93 per household. The average house value according to local real estate values is around $604,600. Please review the following demographics below for average income and media age.

• Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

  According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

• Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

  As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

• Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

  Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]