Compare quotes for your home in 21045! Compare the best 12 carriers in minutes.
Compare 21045 Home Insurance Rates
Are you looking to easily compare home insurance prices online for your home in the 21045 area? The average homeowners premium in Maryland for a standard homeowners policy is around $882/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 21045 zip code, the population size is around 39,321 with 14,857 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 21045.
Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Columbia, MD Homeowners Insurance. Compare companies, quotes, coverages and more.
| Avg. MD Rate | Discounts | Savings | Shop Rates |
|---|---|---|---|
| $1,169 | up to 40% off | $468 |
21045 Home Insurance Average Premiums
$632 /yr.
Shows Zip Code: 21045 lowest rates with discounts applied on average.
For the 21045, 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) | $632 /yr. |
| Average Coverage: | $882 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1182 /yr. |
What is the average home insurance cost for a home in 21045?
- • The average homeowners insurance premium paid annually for a home in 21045 is around $882 per year.
What does it cost on average per month for home insurance in 21045?
- • Homeowners in 21045 pay a monthly average cost per month around $74.00.
What kind of discount could I get if I combine my home and auto insurance together in 21045?
- • Autoowners in 21045 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 Columbia area, check out other zip codes nearby 21045.
Review average rates in another zip code:
21044 homeowners insurance rates
21045 homeowners insurance rates
21046 homeowners insurance rates
Home Replacement Cost Coverage in 21045
Average Building Cost Per Square Foot in 21045: $190
Location: Columbia, Maryland (Howard County)Average Square Footage in 21045: 1,961 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 21045 before you start any project. Columbia 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 21045 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 21045 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,961 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 Columbia 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 | 1,961 | $372,600 |
| Additional Upgrades & Added Features | $238 | 1,961 | $465,750 |
| Major Home Updates or Advancements | $285 | 1,961 | $558,900 |
It's important to understand that when you estimate your replacement cost of your home in the 21045 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 21045
Allstate Insurance-Corrin Love
Address: 8808 Centre Park Dr. Suite 102 Columbia, MD 21045Phone: (410)884-0009
Website:
Atlantic Risk Mgmt
Address: A Division Of Arthur Gallagher 5850 Waterloo Rd Columbia, MD 21045Phone: (410)465-0751
Website: www.atlanticrisk.com
Allstate Insurance - Tom Rodowsky
Address: 8775 Cloudleap Court Suite #226 Columbia, MD 21045Phone: (410)715-2515
Website:
Best Home & Auto Insurance Agencies in 21045
Atlantic Risk Mgmt
Address: 5850 Waterloo Rd Columbia, MD 21045Phone:
Website: http://www.atlanticrisk.com
Info:
Allstate Insurance - Tom Rodowsky
Address: 8775 Cloudleap Ct, #226 Columbia, MD 21045Phone:
Website:
Info:
Allstate Insurance Company - Kuljit Gill
Address: 7120 Minstrel Way Columbia, MD 21045Phone:
Website: http://www.allstateagencies.com/057055?cid=OTC-YP.com-IYP&att=TL
Info:
Short- Joseph C - State Farm Insurance Agent
Address: 8815 Centre Park Dr, #245 Columbia, MD 21045Phone:
Website:
Info:
Allstate Insurance-Corrin Love
Address: 8808 Centre Park Dr, #102 Columbia, MD 21045Phone:
Website:
Info:
Housing Demographics for 21045
Population Review for 21045 Zip Code
For the city of Columbia, the population within 21045 has increased to over 40,157 residents in population size. The current population total is 39,321. We have broken down the population based on race below. In 21045, there are over 18796 in male population and 20525 females.
| Population | Values |
|---|---|
| Total Population | 39,321 |
| White Population | 15958 |
| Black Population | 11933 |
| Hispanic Population | 5335 |
| Asian Population | 4331 |
| Hawaiian Population | 27 |
| Indian Population | 216 |
| Other Population | 2719 |
| Male Population | 18796 |
| Female Population | 20525 |
| Population Estimate | 40157 |
Household Data for 21045
The average number of homes in 21045 is around 14,857, there are an average of 2.64 per household. The average house value according to local real estate values is around $372,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 14,857 |
| Persons Per Household | 2.64 |
| Average House Value | $372,600 |
| Income Per Household | $110111 |
| Median Age | 37.9 |
| Median Age Male | 35.9 |
| Median Age Female | 39.6 |
| 21045 Details | Values |
|---|---|
| State | MD |
| State Full Name | Maryland |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 443/410/240/667/301 |
| City | Columbia |
| City Alias Name | COLUMBIA |
| 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 | 1402 |
| Number Of Employees | 22000 |
| Business First Quarter Payroll | 327733 |
| Business Annual Payroll | 1388943 |
| 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 | 15211 |
| Delivery Business | 1331 |
| Delivery Total | 29239 |
| Preferred Last Line Key | V23240 |
| Classification Code | |
| Multi-County | |
| CSA Name | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA |
| CBSA_DIV_Name | |
| City State Key | V23240 |
| Land Area | 9.698000 |
| Water Area | 0.094000 |
| City Alias Code | |
| City Mixed Case | Columbia |
| City Alias Mixed Case | Columbia |
| Box Count | 605 |
| SFDU | 594 |
| MFDU | 2845 |
| State ANSI | 24 |
| County ANSI | 027 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 232090 |
| 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
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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 […]
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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 […]
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$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 […]