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Compare 21048 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Finksburg just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 4,020 neighbors looking to save on their home insurance policy in the local 21048 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 21048. 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 Finksburg, 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 Finksburg, MD

21048 Home Insurance Average Premiums

Local 21048 homeowners insurance quotes comparison

$642 /yr.

Shows Zip Code: 21048 lowest rates with discounts applied on average.

For the 21048, 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)		$642 /yr.
Average Coverage:$892 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1192 /yr.

What is the average home insurance cost for a home in 21048?

  • • The average homeowners insurance premium paid annually for a home in 21048 is around $892 per year.

What does it cost on average per month for home insurance in 21048?

  • • Homeowners in 21048 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 21048?

  • • Autoowners in 21048 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 Finksburg area, check out other zip codes nearby 21048.
Review average rates in another zip code:
21048 homeowners insurance rates

Home Replacement Cost Coverage in 21048

Average Building Cost Per Square Foot in 21048: $190

Location: Finksburg, Maryland (Carroll County)

Average Square Footage in 21048: 1,982 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21048 before you start any project. Finksburg 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 21048 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 21048 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,982 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 Finksburg 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$1901,982$376,500
Additional Upgrades & Added Features$2381,982$470,625
Major Home Updates or Advancements$2851,982$564,750

It's important to understand that when you estimate your replacement cost of your home in the 21048 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 21048

Best Home & Auto Insurance Agencies in 21048

Housing Demographics for 21048

Population Review for 21048 Zip Code

For the city of Finksburg, the population within 21048 has increased to over 10,921 residents in population size. The current population total is 10,774. We have broken down the population based on race below. In 21048, there are over 5350 in male population and 5424 females.

PopulationValues
Total Population10,774
White Population9405
Black Population386
Hispanic Population342
Asian Population181
Hawaiian Population7
Indian Population24
Other Population107
Male Population5350
Female Population5424
Population Estimate10921

Household Data for 21048

The average number of homes in 21048 is around 4,020, there are an average of 2.68 per household. The average house value according to local real estate values is around $376,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,020
Persons Per Household2.68
Average House Value$376,500
Income Per Household$121275
Median Age47.0
Median Age Male45.4
Median Age Female48.2
21048 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code443/667
CityFinksburg
City Alias NameFINKSBURG
CountyCarroll
County FIPS013
State FIPS24
Time Zone5
Day Light SavingY
MSA8872
PMSA0720
CSA548
CBSA12580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameBaltimore-Columbia-Towson, MD
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameBaltimore, MD PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses264
Number Of Employees2181
Business First Quarter Payroll23407
Business Annual Payroll113634
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2710489
CBSA Division Population0
Congressional District02
Congressional LandArea348.88
Delivery Residential4075
Delivery Business188
Delivery Total4915
Preferred Last Line KeyV23452
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV23452
Land Area27.258000
Water Area1.391000
City Alias Code
City Mixed CaseFinksburg
City Alias Mixed CaseFinksburg
Box Count109
SFDU3833
MFDU7
State ANSI24
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number233204
Unique ZIP Name
SSA State County Code21060
Medicare CBSA Code12580
Medicare CBSA NameBaltimore-Columbia-Towson, MD
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseCarroll

Maryland Homeowners Insurance News & Information

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  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

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    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]