21042 Home Insurance Rates

For homeowners living in 21042, the population estimates are increasing to well over 43,147 with 14,649 occupied homes within the zip code of 21042. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Ellicott City have increased and the average home insurance premium is around $955 per year in 21042. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 21042 zip code today so we can help you find affordable Ellicott City, MD home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 21042

Please select one of the three options below based on your 21042 zip code to learn more about Maryland homeowners insurance, plus review average rates and information per state, county or city.

21042 Average Home Insurance Rating Cost is: Medium!

Getting cheaper homeowners insurance in the 21042 zip code just got easier with GetHomeInsuranceQuotes.com of Ellicott City, MD. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 21042 today and let us help you review the best home insurance quotes available for homeowners living in Ellicott City.

Get 21042 Homeowners Insurance Rates Now!

21042 Home Insurance Average Premiums

Local 21042 homeowners insurance quotes comparison

$705 /yr.

Shows Zip Code: 21042 lowest rates with discounts applied on average.

For the 21042, 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)	$705 /yr.
Average Coverage:	$955 /yr.
2600 sq. ft. or higher (all discounts applied)	$1255 /yr.

What is the average home insurance cost for a home in 21042?

• The average homeowners insurance premium paid annually for a home in 21042 is around $955 per year.

What does it cost on average per month for home insurance in 21042?

• Homeowners in 21042 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 21042?

• Autoowners in 21042 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 Ellicott City area, check out other zip codes nearby 21042.
Review average rates in another zip code:
21043 homeowners insurance rates
21042 homeowners insurance rates

Home Replacement Cost Coverage in 21042

Average Building Cost Per Square Foot in 21042: $190

Location: Ellicott City, Maryland (Howard County)

Average Square Footage in 21042: 3,182 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21042 before you start any project. Ellicott City 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 21042 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 21042 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,182 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 Ellicott City 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$190	3,182	$604,600
Additional Upgrades & Added Features	$238	3,182	$755,750
Major Home Updates or Advancements	$285	3,182	$906,900

Calculate Your Dwelling Coverage in 21042

It's important to understand that when you estimate your replacement cost of your home in the 21042 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 Home & Auto Insurance Agencies in 21042

Menikheim III- George B - State Farm Insurance Agent

Address: 3600 Saint Johns Ln Ellicott City, MD 21042
Phone:
Website:
Info:

McGrew- J Scott - State Farm Insurance Agent

Address: 4785 Dorsey Hall Dr, #101 Ellicott City, MD 21042
Phone:
Website:
Info:

Keyes- Peggy M - State Farm Insurance Agent

Address: 5052 Dorsey Hall Dr, #102 Ellicott City, MD 21042
Phone:
Website: http://www.peggykeyes.com
Info:

J Scott McGrew Ins Agency Inc - State Farm Insurance Agent

Address: Dorsey Hall Dr Ellicott City, MD 21042
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=208907
Info:

James A Powell Agency - Nationwide Insurance

Address: 9070 Chevrolet Dr Ellicott City, MD 21042
Phone:
Website: http://www.nationwide.com/agent/Ellicott-City-MARYLAND-insurance-agent/tonypowell/office.html
Info:

Housing Demographics for 21042

Population Review for 21042 Zip Code

For the city of Ellicott City, the population within 21042 has increased to over 45,124 residents in population size. The current population total is 43,147. We have broken down the population based on race below. In 21042, there are over 21146 in male population and 22001 females.

Population	Values
Total Population	43,147
White Population	24716
Black Population	2968
Hispanic Population	1625
Asian Population	11995
Hawaiian Population	7
Indian Population	57
Other Population	484
Male Population	21146
Female Population	22001
Population Estimate	45124

Household Data for 21042

The average number of homes in 21042 is around 14,649, there are an average of 2.93 per household. The average house value according to local real estate values is around $604,600. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	14,649
Persons Per Household	2.93
Average House Value	$604,600
Income Per Household	$159032
Median Age	43.6
Median Age Male	42.9
Median Age Female	44.3

21042 Details	Values
State	MD
State Full Name	Maryland
City Type	P
City Alias Abbreviation
Area Code	410/443/240/667
City	Ellicott City
City Alias Name	ELLICOTT CITY
County	Howard
County FIPS	027
State FIPS	24
Time Zone	5
Day Light Saving	Y
MSA	8872
PMSA	0720
CSA	548
CBSA	12580
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Baltimore-Columbia-Towson, MD
MSA_Name	Washington-Baltimore, DC-MD-VA-WV CMSA
PMSA_Name	Baltimore, MD PMSA
Region	South
Division	South Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1108
Number Of Employees	9195
Business First Quarter Payroll	106218
Business Annual Payroll	492555
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	2710489
CBSA Division Population	0
Congressional District	03
Congressional LandArea	304.14
Delivery Residential	15401
Delivery Business	829
Delivery Total	16353
Preferred Last Line Key	V23416
Classification Code
Multi-County
CSA Name	Washington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State Key	V23416
Land Area	37.001000
Water Area	0.168000
City Alias Code
City Mixed Case	Ellicott City
City Alias Mixed Case	Ellicott City
Box Count	89
SFDU	10411
MFDU	1364
State ANSI	24
County ANSI	027
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	233024
Unique ZIP Name
SSA State County Code	21130
Medicare CBSA Code	12580
Medicare CBSA Name	Baltimore-Columbia-Towson, MD
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	Howard

Maryland Homeowners Insurance News & Information

2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

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