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21648 Home Insurance Rates & Premiums

Did you know there are over 233 people living within the 21648 zip code area? There are over 107 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 21648.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Maryland are on the rise. The estimated average premium is around $1,042 a year for a standard homeowners insurance policy in Madison. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Madison, MD Homeowners Insurance Quotes Online

21648 Home Insurance Average Premiums

Local 21648 homeowners insurance quotes comparison

$792 /yr.

Shows Zip Code: 21648 lowest rates with discounts applied on average.

For the 21648, 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)		$792 /yr.
Average Coverage:$1042 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1342 /yr.

What is the average home insurance cost for a home in 21648?

  • • The average homeowners insurance premium paid annually for a home in 21648 is around $1042 per year.

What does it cost on average per month for home insurance in 21648?

  • • Homeowners in 21648 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 21648?

  • • Autoowners in 21648 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 Madison, check out other zip codes nearby 21648.
To review average rates in another zip code, click on a zip code below:
21648  | 

Home Replacement Cost Coverage in 21648

Average Building Cost Per Square Foot in 21648: $190

Location: Madison, Maryland (Dorchester County)

Average Square Footage in 21648: 868 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21648 before you start any project. Madison 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 21648 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 21648 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 868 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 Madison 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$190868$165,000
Additional Upgrades & Added Features$238868$206,250
Major Home Updates or Advancements$285868$247,500

It's important to understand that when you estimate your replacement cost of your home in the 21648 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 21648

Best Home & Auto Insurance Agencies in 21648

Housing Demographics for 21648

Population Review for 21648 Zip Code

For the city of Madison, the population within 21648 has increased to over 226 residents in population size. The current population total is 233. We have broken down the population based on race below. In 21648, there are over 118 in male population and 115 females.

PopulationValues
Total Population233
White Population197
Black Population22
Hispanic Population10
Asian Population1
Hawaiian Population0
Indian Population3
Other Population7
Male Population118
Female Population115
Population Estimate226

Household Data for 21648

The average number of homes in 21648 is around 107, there are an average of 2.02 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode107
Persons Per Household2.02
Average House Value$165,000
Income Per Household$140694
Median Age47.8
Median Age Male49.0
Median Age Female44.9
21648 DetailsValues
StateMD
State Full NameMaryland
City TypeN
City Alias Abbreviation
Area Code667
CityMadison
City Alias NameMADISON
CountyDorchester
County FIPS019
State FIPS24
Time Zone5
Day Light SavingY
MSA
PMSA
CSA548
CBSA15700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCambridge, MD
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population32618
CBSA Division Population0
Congressional District01
Congressional LandArea3977.06
Delivery Residential112
Delivery Business4
Delivery Total140
Preferred Last Line KeyV23907
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV23907
Land Area9.377000
Water Area4.693000
City Alias Code
City Mixed CaseMadison
City Alias Mixed CaseMadison
Box Count2
SFDU112
MFDU0
State ANSI24
County ANSI019
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number239882
Unique ZIP Name
SSA State County Code21090
Medicare CBSA Code99921
Medicare CBSA NameRural Areas in MD
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseDorchester

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