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21202 Home Insurance Rates

Getting multiple homeowners insurance rates in 21202 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Baltimore, MD. Many homeowners based out of the 21202 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our Maryland licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 21202 should appear in the zip code field ready to go. For Baltimore, MD Home Insurance Quotes, Click to easily get started!

21202 Homeowners Insurance Rates, Average Rating: Medium!

Your homeowners insurance policy in 21202 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Baltimore. For a basic HO-3, standard homeowners policy, the average premium per year in Maryland is around $913. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 21202 zip code today and let us help you save time and money on your homeowners insurance premium.

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21202 Home Insurance Average Premiums

Local 21202 homeowners insurance quotes comparison

$663 /yr.

Shows Zip Code: 21202 lowest rates with discounts applied on average.

For the 21202, 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)		$663 /yr.
Average Coverage:$913 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1213 /yr.

What is the average home insurance cost for a home in 21202?

  • • The average homeowners insurance premium paid annually for a home in 21202 is around $913 per year.

What does it cost on average per month for home insurance in 21202?

  • • Homeowners in 21202 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 21202?

  • • Autoowners in 21202 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 Baltimore area, check out other zip codes nearby 21202.
Review average rates in another zip code:
21230 homeowners insurance rates
21215 homeowners insurance rates
21218 homeowners insurance rates
21251 homeowners insurance rates
21201 homeowners insurance rates
21209 homeowners insurance rates
21205 homeowners insurance rates
21223 homeowners insurance rates
21250 homeowners insurance rates
21212 homeowners insurance rates

Home Replacement Cost Coverage in 21202

Average Building Cost Per Square Foot in 21202: $190

Location: Baltimore, Maryland (Baltimore City County)

Average Square Footage in 21202: 1,353 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21202 before you start any project. Baltimore 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 21202 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 21202 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,353 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 Baltimore 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$1901,353$257,100
Additional Upgrades & Added Features$2381,353$321,375
Major Home Updates or Advancements$2851,353$385,650

It's important to understand that when you estimate your replacement cost of your home in the 21202 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 21202

London Insurance Agency

Address: 1009 North Calvert Street Baltimore, MD 21202
Phone: (410)837-2886
Website:

Best Home & Auto Insurance Agencies in 21202

Baltimore Auto Insurance-Cheap Baltimore Car Insurance Rate

Address: 111 Light St Baltimore, MD 21202
Phone:
Website: http://www.autoinsurancebaltimore.net/
Info:

Allstate Insurance Companies

Address: 207 E Redwood St Baltimore, MD 21202
Phone:
Website:
Info:

London Insurance Agency

Address: 1009 N Calvert St Baltimore, MD 21202
Phone:
Website:
Info:

Housing Demographics for 21202

Population Review for 21202 Zip Code

For the city of Baltimore, the population within 21202 has increased to over 19,711 residents in population size. The current population total is 22,247. We have broken down the population based on race below. In 21202, there are over 11730 in male population and 10517 females.

PopulationValues
Total Population22,247
White Population7139
Black Population11788
Hispanic Population1113
Asian Population1558
Hawaiian Population6
Indian Population88
Other Population467
Male Population11730
Female Population10517
Population Estimate19711

Household Data for 21202

The average number of homes in 21202 is around 11,269, there are an average of 1.70 per household. The average house value according to local real estate values is around $257,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,269
Persons Per Household1.70
Average House Value$257,100
Income Per Household$54477
Median Age32.6
Median Age Male32.9
Median Age Female32.3
21202 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code443/410/667/301
CityBaltimore
City Alias NameBALTIMORE
CountyBaltimore City
County FIPS510
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 Businesses1517
Number Of Employees37466
Business First Quarter Payroll1118566
Business Annual Payroll4862206
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 District07
Congressional LandArea488.03
Delivery Residential11595
Delivery Business2003
Delivery Total14600
Preferred Last Line KeyV22932
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV22932
Land Area1.616000
Water Area0.035000
City Alias Code
City Mixed CaseBaltimore
City Alias Mixed CaseBaltimore
Box Count0
SFDU2470
MFDU7801
State ANSI24
County ANSI510
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number230378
Unique ZIP Name
SSA State County Code21030
Medicare CBSA Code12580
Medicare CBSA NameBaltimore-Columbia-Towson, MD
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseBaltimore City

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 […]