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20622 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 20622 zip code it's important to know that our rates are very competitive for homeowners living in Charlotte Hall, MD. Many homeowners based out of your 20622 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Maryland licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 20622 should appear in the zip code field ready to go. For Charlotte Hall, MD Homeowners Insurance Quotes nearby, we offer the best rates and service.

20622: Average Home Insurance Rates

For homeowners living in the great city of Charlotte Hall, the average homeowners policy is considered medium in comparison to other states. Maryland premiums are estimated to be around $877 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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20622 Home Insurance Average Premiums

Local 20622 homeowners insurance quotes comparison

$627 /yr.

Shows Zip Code: 20622 lowest rates with discounts applied on average.

For the 20622, 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)
$627 /yr.
Average Coverage:$877 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1177 /yr.

What is the average home insurance cost for a home in 20622?

  • • The average homeowners insurance premium paid annually for a home in 20622 is around $877 per year.

What does it cost on average per month for home insurance in 20622?

  • • Homeowners in 20622 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 20622?

  • • Autoowners in 20622 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.

For shopping home insurance rates within the Charlotte Hall area, check out other zip codes nearby 20622.
Review average rates in another zip code:
20622 homeowners insurance rates

Home Replacement Cost Coverage in 20622

Average Building Cost Per Square Foot in 20622: $190

Location: Charlotte Hall, Maryland (Charles County)

Average Square Footage in 20622: 1,949 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 20622 before you start any project. Charlotte Hall 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 20622 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 20622 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,949 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 Charlotte Hall 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$1901,949$370,300
Additional Upgrades & Added Features$2381,949$462,875
Major Home Updates or Advancements$2851,949$555,450

It's important to understand that when you estimate your replacement cost of your home in the 20622 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 20622

Best Home & Auto Insurance Agencies in 20622

Housing Demographics for 20622

Population Review for 20622 Zip Code

For the city of Charlotte Hall, the population within 20622 has increased to over 4,627 residents in population size. The current population total is 4,741. We have broken down the population based on race below. In 20622, there are over 2503 in male population and 2238 females.

PopulationValues
Total Population4,741
White Population3730
Black Population553
Hispanic Population153
Asian Population35
Hawaiian Population4
Indian Population45
Other Population48
Male Population2503
Female Population2238
Population Estimate4627

Household Data for 20622

The average number of homes in 20622 is around 1,457, there are an average of 2.97 per household. The average house value according to local real estate values is around $370,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,457
Persons Per Household2.97
Average House Value$370,300
Income Per Household$101544
Median Age45.6
Median Age Male47.6
Median Age Female43.0
20622 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias AbbreviationCHARLOTT HALL
Area Code240
CityCharlotte Hall
City Alias NameCHARLOTTE HALL
CountyCharles
County FIPS017
State FIPS24
Time Zone5
Day Light SavingY
MSA8872
PMSA8840
CSA548
CBSA47900
CBSA_DIV47764
CBSA_TypeMetro
CBSA_NameWashington-Arlington-Alexandria, DC-VA-MD-WV
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameWashington, DC-MD-VA-WV PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses156
Number Of Employees2408
Business First Quarter Payroll21287
Business Annual Payroll95876
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5582170
CBSA Division Population1611694
Congressional District05
Congressional LandArea1481.24
Delivery Residential1558
Delivery Business143
Delivery Total2071
Preferred Last Line KeyV23142
Classification Code
Multi-CountyY
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameWashington, DC-MD
City State KeyV23142
Land Area36.528000
Water Area1.553000
City Alias Code
City Mixed CaseCharlotte Hall
City Alias Mixed CaseCharlotte Hall
Box Count224
SFDU1539
MFDU0
State ANSI24
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number231656
Unique ZIP Name
SSA State County Code21080
Medicare CBSA Code47894
Medicare CBSA NameWashington-Arlington-Alexandria, DC-VA-MD-WV
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseCharles

Maryland Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]