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21502 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 21502 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Cumberland, MD quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 21502.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 21502 and start shopping.

Quickly and Easily Compare Average Rates for 21502

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

Average Policy Rates in 21502

Homeowners in Cumberland are paying roughly $1020 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

Save on 21502 Home Insurance Quotes right now!

21502 Home Insurance Average Premiums

Local 21502 homeowners insurance quotes comparison

$770 /yr.

Shows Zip Code: 21502 lowest rates with discounts applied on average.

For the 21502, 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)
$770 /yr.
Average Coverage:$1020 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1320 /yr.

What is the average home insurance cost for a home in 21502?

  • • The average homeowners insurance premium paid annually for a home in 21502 is around $1020 per year.

What does it cost on average per month for home insurance in 21502?

  • • Homeowners in 21502 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 21502?

  • • Autoowners in 21502 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.

You can easily shop and compare home insurance rates within Cumberland, check out other zip codes nearby 21502.
To review average rates in another zip code, click on a zip code below:
21502  | 

Home Replacement Cost Coverage in 21502

Average Building Cost Per Square Foot in 21502: $190

Location: Cumberland, Maryland (Allegany County)

Average Square Footage in 21502: 716 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21502 before you start any project. Cumberland 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 21502 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 21502 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 716 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 Cumberland 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$190716$136,000
Additional Upgrades & Added Features$238716$170,000
Major Home Updates or Advancements$285716$204,000

It's important to understand that when you estimate your replacement cost of your home in the 21502 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 21502

John D. Wayland Agency

Address: 129 Greene St Cumberland, MD 21502
Phone: (301)777-0893
Website:

CBIZ Benefits & Insurance

Address: 44 Baltimore St Cumberland, MD 21502
Phone: (800)684-2474
Website:

Best Home & Auto Insurance Agencies in 21502

New KMK Insurance Agency

Address: 63 Henderson Ave Cumberland, MD 21502
Phone:
Website: http://www.progressive.com
Info: Car Insurance: Auto Insurance & Online Insurance Quotes - Progressive
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John D. Wayland Agency

Address: 129 Greene St Cumberland, MD 21502
Phone:
Website:
Info:

CBIZ Benefits & Insurance

Address: 44 Baltimore St Cumberland, MD 21502
Phone:
Website:
Info:

Brenneman- Vicky L - State Farm Insurance Agent

Address: 12512 Naves Cross Rd NE Cumberland, MD 21502
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

State Farm Insurance

Address: 850 N Mechanic St Cumberland, MD 21502
Phone:
Website: http://www.national.citysearch.com/profile/46267265/cumberland_md/state_farm_insurance.html
Info:

Housing Demographics for 21502

Population Review for 21502 Zip Code

For the city of Cumberland, the population within 21502 has increased to over 38,015 residents in population size. The current population total is 41,153. We have broken down the population based on race below. In 21502, there are over 22239 in male population and 18914 females.

PopulationValues
Total Population41,153
White Population33622
Black Population4542
Hispanic Population835
Asian Population466
Hawaiian Population11
Indian Population95
Other Population336
Male Population22239
Female Population18914
Population Estimate38015

Household Data for 21502

The average number of homes in 21502 is around 16,239, there are an average of 2.22 per household. The average house value according to local real estate values is around $136,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,239
Persons Per Household2.22
Average House Value$136,000
Income Per Household$53122
Median Age44.1
Median Age Male41.7
Median Age Female48.1
21502 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code240/301
CityCumberland
City Alias NameCUMBERLAND
CountyAllegany
County FIPS001
State FIPS24
Time Zone5
Day Light SavingY
MSA1900
PMSA
CSA
CBSA19060
CBSA_DIV
CBSA_TypeMicro
CBSA_NameCumberland, MD-WV
MSA_NameCumberland, MD-WV MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1049
Number Of Employees16964
Business First Quarter Payroll162837
Business Annual Payroll725909
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population103299
CBSA Division Population0
Congressional District06
Congressional LandArea1950.26
Delivery Residential17124
Delivery Business1427
Delivery Total18479
Preferred Last Line KeyV23311
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV23311
Land Area92.086000
Water Area1.582000
City Alias Code
City Mixed CaseCumberland
City Alias Mixed CaseCumberland
Box Count0
SFDU14690
MFDU1522
State ANSI24
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number232394
Unique ZIP Name
SSA State County Code21000
Medicare CBSA Code19060
Medicare CBSA NameCumberland, MD-WV
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseAllegany

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