21702 Home Insurance Rates & Premiums

Did you know there are over 46,412 people living within the 21702 zip code area? There are over 16,902 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 21702.

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 $834 a year for a standard homeowners insurance policy in Frederick. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Frederick, MD Homeowners Insurance Quotes Online

Average Building Cost Per Square Foot in 21702: $190

Average Square Footage in 21702: 1,588 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21702 before you start any project. Frederick 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 21702 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 21702 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,588 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 Frederick 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 21702 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.

Allstate Insurance-Suzanne M Yusko

Davidson- Sharon M

Davidson- Sharon M

Carefirst Blue Cross Blue Shield

Powell Insurance

Metropolitan Life Insurance Company

Allstate Insurance Company - Michelle Turner

Household Data for 21702

The average number of homes in 21702 is around 16,902, there are an average of 2.69 per household. The average house value according to local real estate values is around $301,800. 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 […]