Get multiple home insurance quotes in 21218. Our licensed 21218, MD agents are ready to serve you.

Find the lowest Homeowners Insurance Rates in 21218

There are a number of ways to save money on your homeowners insurance rates. Discounts, bundling, upgrading your security system or replacing your roof with wind resistance materials are all great ways to lower your premium but the number one recommended way to save is to shop your coverage on a regular basis.

If you are shopping for coverage in 21218, do yourself a favor and get a rate quote from GetHomeInsuranceQuotes.com. We will provide you with up to 12 quotes for homeowners coverage in Baltimore, MD from a list of top tier nationwide insurers.

Our Maryland licensed agents will review the quotes with you and provide advice on coverage types and coverage levels that will work best for you and your family.

It’s easy to get started. Just click the "Get Multiple Quotes Now" button below and your 21218 will appear in the zip code field and you are ready to go.

It’s Time to Compare Rate Quotes for 21218

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Baltimore, MD home insurance quotes in your local city and review the most competitive coverages and premiums.

21218 Ratings: medium!

Saving up to 40 percent on your homeowner insurance premium has never been easier. We will do all of the legwork for you and present you with the best policy options to help protect your home.

In addition to gathering the best quotes from 12 major insurance companies in Baltimore we will also share what average rates are in your area so we can compare savings and coverage options. Reviewing what home insurance cost will help you determine if your current insurance premium is on the high side or if you are already getting a bargain. For example, in 21218, homeowners are seeing rates around 856 on average per year.

Let us help you compare home insurance rates right now. Get started shopping for new policy in 21218!

21218 Home Insurance Average Premiums

Local 21218 homeowners insurance quotes comparison

$606 /yr.

Shows Zip Code: 21218 lowest rates with discounts applied on average.

For the 21218, 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)		$606 /yr.
Average Coverage:$856 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1156 /yr.

What is the average home insurance cost for a home in 21218?

  • • The average homeowners insurance premium paid annually for a home in 21218 is around $856 per year.

What does it cost on average per month for home insurance in 21218?

  • • Homeowners in 21218 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 21218?

  • • Autoowners in 21218 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 21218.
Review average rates in another zip code:
21223 homeowners insurance rates
21205 homeowners insurance rates
21216 homeowners insurance rates
21218 homeowners insurance rates
21224 homeowners insurance rates
21214 homeowners insurance rates
21215 homeowners insurance rates
21251 homeowners insurance rates
21231 homeowners insurance rates
21229 homeowners insurance rates

Home Replacement Cost Coverage in 21218

Average Building Cost Per Square Foot in 21218: $190

Location: Baltimore, Maryland (Baltimore City County)

Average Square Footage in 21218: 951 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21218 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 21218 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 21218 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 951 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$190951$180,700
Additional Upgrades & Added Features$238951$225,875
Major Home Updates or Advancements$285951$271,050

It's important to understand that when you estimate your replacement cost of your home in the 21218 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 21218

Martha R. Simmons Agency

Address: 2317 N Charles St Baltimore, MD 21218
Phone: (410)662-4892
Website:

Baltimore Urban Agency

Address: 2317 N Charles St Baltimore, MD 21218
Phone: (410)662-4899
Website:

Best Home & Auto Insurance Agencies in 21218

Ace Cash Express

Address: 3046 Greenmount Ave Baltimore, MD 21218
Phone:
Website: http://www.baltimore.citysearch.com/profile/external/4982950/baltimore_md/ace_cash_express.html
Info:

Insurance Store

Address: 304 E 25th St Baltimore, MD 21218
Phone:
Website:
Info:

Duncan, Chris - State Farm Insurance Agent

Address: 2438 N Charles St Baltimore, MD 21218
Phone:
Website: http://www.baltimore.citysearch.com/profile/external/4976508/baltimore_md/duncan_chris_state_farm_insurance_agent.html
Info:

Baltimore Urban Agency

Address: 2317 N Charles St Baltimore, MD 21218
Phone:
Website:
Info:

Housing Demographics for 21218

Population Review for 21218 Zip Code

For the city of Baltimore, the population within 21218 has increased to over 44,861 residents in population size. The current population total is 46,238. We have broken down the population based on race below. In 21218, there are over 21617 in male population and 24621 females.

PopulationValues
Total Population46,238
White Population12843
Black Population25257
Hispanic Population2560
Asian Population4086
Hawaiian Population19
Indian Population116
Other Population1053
Male Population21617
Female Population24621
Population Estimate44861

Household Data for 21218

The average number of homes in 21218 is around 19,405, there are an average of 2.16 per household. The average house value according to local real estate values is around $180,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode19,405
Persons Per Household2.16
Average House Value$180,700
Income Per Household$56250
Median Age33.5
Median Age Male33.0
Median Age Female34.0
21218 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code410/443
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 Businesses770
Number Of Employees39037
Business First Quarter Payroll682530
Business Annual Payroll2933656
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 Residential20769
Delivery Business1304
Delivery Total23491
Preferred Last Line KeyV22932
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV22932
Land Area4.329000
Water Area0.122000
City Alias Code
City Mixed CaseBaltimore
City Alias Mixed CaseBaltimore
Box Count147
SFDU13885
MFDU6759
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

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