Get multiple home insurance quotes in 21401. Our licensed 21401, MD agents are ready to serve you.

21401 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 21401 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 Annapolis, 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 21401 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 Annapolis homeowners insurance rates, coverage options or home insurance types, please select Annapolis, MD Home Insurance Rates Online!

21401 Home Insurance Average Premiums

Local 21401 homeowners insurance quotes comparison

$696 /yr.

Shows Zip Code: 21401 lowest rates with discounts applied on average.

For the 21401, 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)
$696 /yr.
Average Coverage:$946 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1246 /yr.

What is the average home insurance cost for a home in 21401?

  • • The average homeowners insurance premium paid annually for a home in 21401 is around $946 per year.

What does it cost on average per month for home insurance in 21401?

  • • Homeowners in 21401 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 21401?

  • • Autoowners in 21401 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 Annapolis, check out other zip codes nearby 21401.
To review average rates in another zip code, click on a zip code below:
21403  |  21409  |  21401  |  21405  |  21402  | 

Home Replacement Cost Coverage in 21401

Average Building Cost Per Square Foot in 21401: $190

Location: Annapolis, Maryland (Anne Arundel County)

Average Square Footage in 21401: 2,523 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21401 before you start any project. Annapolis 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 21401 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 21401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,523 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 Annapolis 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$1902,523$479,300
Additional Upgrades & Added Features$2382,523$599,125
Major Home Updates or Advancements$2852,523$718,950

It's important to understand that when you estimate your replacement cost of your home in the 21401 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 21401

Allstate Insurance - Mark Mc Cleskey

Address: 1835B Forest Drive Annapolis, MD 21401
Phone: (410)280-5030
Website:

Allstate Insurance - Wade D. Cansler

Address: 2568a Riva Rd #100 Annapolis, MD 21401
Phone: (410)573-1100
Website:

Easy Out Bail Bond

Address: 218 West Street Annapolis, MD 21401
Phone: (410)280-5247
Website: www.easyoutbailbonds.com

Martin J Willis Insurance

Address: Rowe Boulevard & Melvin A Annapolis, MD 21401
Phone: (410)263-8000
Website:

Aellen & Associates

Address: 701 Melvin Ave Annapolis, MD 21401
Phone: (410)280-0012
Website: msn.com

Best Home & Auto Insurance Agencies in 21401

Dan Friel Ins Agcy Inc - State Farm Insurance Agent

Address: 134 Holiday Ct, #307 Annapolis, MD 21401
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance - Mark Mc Cleskey

Address: 1835 Forest Dr Annapolis, MD 21401
Phone:
Website:
Info:

Allstate Insurance Company - Wade Cansler

Address: 130 Holiday Ct Annapolis, MD 21401
Phone:
Website: http://www.allstateagencies.com/028363?cid=OTC-YP.com-IYP&att=TL
Info:

Glenn C. Parker Jr. Agency

Address: 929 West St Annapolis, MD 21401
Phone:
Website:
Info:

Easy Out Bail Bond

Address: 218 West St Annapolis, MD 21401
Phone:
Website: http://www.easyoutbailbonds.com
Info:

Housing Demographics for 21401

Population Review for 21401 Zip Code

For the city of Annapolis, the population within 21401 has increased to over 40,438 residents in population size. The current population total is 39,308. We have broken down the population based on race below. In 21401, there are over 18536 in male population and 20772 females.

PopulationValues
Total Population39,308
White Population26038
Black Population6457
Hispanic Population4878
Asian Population1058
Hawaiian Population15
Indian Population180
Other Population2871
Male Population18536
Female Population20772
Population Estimate40438

Household Data for 21401

The average number of homes in 21401 is around 17,435, there are an average of 2.19 per household. The average house value according to local real estate values is around $479,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,435
Persons Per Household2.19
Average House Value$479,300
Income Per Household$112599
Median Age44.2
Median Age Male41.3
Median Age Female47.1
21401 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code410/443/667/301
CityAnnapolis
City Alias NameANNAPOLIS
CountyAnne Arundel
County FIPS003
State FIPS24
Time Zone5
Day Light SavingY
MSA8872
PMSA0720
CSA548
CBSA12580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBaltimore-Columbia-Towson, MD
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameBaltimore, MD PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses2735
Number Of Employees39449
Business First Quarter Payroll654563
Business Annual Payroll2805151
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2710489
CBSA Division Population0
Congressional District03
Congressional LandArea304.14
Delivery Residential18465
Delivery Business3164
Delivery Total21553
Preferred Last Line KeyV22891
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV22891
Land Area19.931000
Water Area2.268000
City Alias Code
City Mixed CaseAnnapolis
City Alias Mixed CaseAnnapolis
Box Count256
SFDU9605
MFDU4155
State ANSI24
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number230216
Unique ZIP Name
SSA State County Code21010
Medicare CBSA Code12580
Medicare CBSA NameBaltimore-Columbia-Towson, MD
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseAnne Arundel

Maryland Homeowners Insurance News & Information

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    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]