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21875 Home Insurance Rates & Premiums

Did you know there are over 7,231 people living within the 21875 zip code area? There are over 2,824 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 21875.

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 $903 a year for a standard homeowners insurance policy in Delmar. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Delmar, MD Homeowners Insurance Quotes Online

21875 Home Insurance Average Premiums

Local 21875 homeowners insurance quotes comparison

$653 /yr.

Shows Zip Code: 21875 lowest rates with discounts applied on average.

For the 21875, 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)		$653 /yr.
Average Coverage:$903 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1203 /yr.

What is the average home insurance cost for a home in 21875?

  • • The average homeowners insurance premium paid annually for a home in 21875 is around $903 per year.

What does it cost on average per month for home insurance in 21875?

  • • Homeowners in 21875 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 21875?

  • • Autoowners in 21875 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 Delmar, check out other zip codes nearby 21875.
To review average rates in another zip code, click on a zip code below:
21875  | 

Home Replacement Cost Coverage in 21875

Average Building Cost Per Square Foot in 21875: $190

Location: Delmar, Maryland (Wicomico County)

Average Square Footage in 21875: 926 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21875 before you start any project. Delmar 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 21875 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 21875 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 926 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 Delmar 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$190926$176,000
Additional Upgrades & Added Features$238926$220,000
Major Home Updates or Advancements$285926$264,000

It's important to understand that when you estimate your replacement cost of your home in the 21875 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 21875

Best Home & Auto Insurance Agencies in 21875

Housing Demographics for 21875

Population Review for 21875 Zip Code

For the city of Delmar, the population within 21875 has increased to over 7,800 residents in population size. The current population total is 7,231. We have broken down the population based on race below. In 21875, there are over 3394 in male population and 3837 females.

PopulationValues
Total Population7,231
White Population4830
Black Population1263
Hispanic Population429
Asian Population327
Hawaiian Population5
Indian Population23
Other Population232
Male Population3394
Female Population3837
Population Estimate7800

Household Data for 21875

The average number of homes in 21875 is around 2,824, there are an average of 2.55 per household. The average house value according to local real estate values is around $176,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,824
Persons Per Household2.55
Average House Value$176,000
Income Per Household$65294
Median Age39.8
Median Age Male38.7
Median Age Female40.5
21875 DetailsValues
StateMD
State Full NameMaryland
City TypeN
City Alias Abbreviation
Area Code443/410/667
CityDelmar
City Alias NameDELMAR
CountyWicomico
County FIPS045
State FIPS24
Time Zone5
Day Light SavingY
MSA
PMSA
CSA480
CBSA41540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSalisbury, MD
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses106
Number Of Employees758
Business First Quarter Payroll7635
Business Annual Payroll35518
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population125203
CBSA Division Population0
Congressional District01
Congressional LandArea3977.06
Delivery Residential3059
Delivery Business92
Delivery Total3165
Preferred Last Line KeyV23335
Classification Code
Multi-County
CSA NameSalisbury-Ocean Pines, MD
CBSA_DIV_Name
City State KeyV23335
Land Area24.367000
Water Area0.116000
City Alias Code
City Mixed CaseDelmar
City Alias Mixed CaseDelmar
Box Count0
SFDU2335
MFDU96
State ANSI24
County ANSI045
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number239999
Unique ZIP Name
SSA State County Code21220
Medicare CBSA Code41540
Medicare CBSA NameSalisbury, MD-DE
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseWicomico

Maryland Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    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 […]