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Compare 20645 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Issue just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 315 neighbors looking to save on their home insurance policy in the local 20645 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 20645. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Maryland rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Issue, MD home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Issue, MD

20645 Home Insurance Average Premiums

Local 20645 homeowners insurance quotes comparison

$693 /yr.

Shows Zip Code: 20645 lowest rates with discounts applied on average.

For the 20645, 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)		$693 /yr.
Average Coverage:$943 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1243 /yr.

What is the average home insurance cost for a home in 20645?

  • • The average homeowners insurance premium paid annually for a home in 20645 is around $943 per year.

What does it cost on average per month for home insurance in 20645?

  • • Homeowners in 20645 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 20645?

  • • Autoowners in 20645 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 Issue area, check out other zip codes nearby 20645.
Review average rates in another zip code:
20645 homeowners insurance rates

Home Replacement Cost Coverage in 20645

Average Building Cost Per Square Foot in 20645: $190

Location: Issue, Maryland (Charles County)

Average Square Footage in 20645: 2,095 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 20645 before you start any project. Issue 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 20645 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 20645 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,095 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 Issue 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$1902,095$398,000
Additional Upgrades & Added Features$2382,095$497,500
Major Home Updates or Advancements$2852,095$597,000

It's important to understand that when you estimate your replacement cost of your home in the 20645 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 20645

Best Home & Auto Insurance Agencies in 20645

Housing Demographics for 20645

Population Review for 20645 Zip Code

For the city of Issue, the population within 20645 has increased to over 822 residents in population size. The current population total is 769. We have broken down the population based on race below. In 20645, there are over 389 in male population and 380 females.

PopulationValues
Total Population769
White Population673
Black Population62
Hispanic Population15
Asian Population2
Hawaiian Population0
Indian Population0
Other Population8
Male Population389
Female Population380
Population Estimate822

Household Data for 20645

The average number of homes in 20645 is around 315, there are an average of 2.44 per household. The average house value according to local real estate values is around $398,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode315
Persons Per Household2.44
Average House Value$398,000
Income Per Household$131719
Median Age48.4
Median Age Male46.4
Median Age Female49.5
20645 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code240/301
CityIssue
City Alias NameISSUE
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 Businesses6
Number Of Employees49
Business First Quarter Payroll346
Business Annual Payroll1853
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 Residential337
Delivery Business3
Delivery Total356
Preferred Last Line KeyV23758
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameWashington, DC-MD
City State KeyV23758
Land Area1.377000
Water Area1.287000
City Alias Code
City Mixed CaseIssue
City Alias Mixed CaseIssue
Box Count12
SFDU337
MFDU0
State ANSI24
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number234698
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

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    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 […]