Get multiple home insurance quotes in 21541. Our licensed 21541, MD agents are ready to serve you.

Homeowners Insurance in 21541

In Mc Henry, MD, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 21541 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Maryland licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 21541 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 21541 should appear in the zip code field ready to go.

21541 Homeowners Insurance Rates Are Considered: Medium!

If your looking for a standard homeowners policy in Maryland, you are going to see rates around the average home insurance premium per year of $880. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Mc Henry home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 21541 Home Insurance Rates Now!

Best 3 Options to Compare in 21541

If you want homeowners insurance quotes within the city of Mc Henry or in the 21541 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Mc Henry, MD.

21541 Home Insurance Average Premiums

Local 21541 homeowners insurance quotes comparison

$630 /yr.

Shows Zip Code: 21541 lowest rates with discounts applied on average.

For the 21541, 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)
$630 /yr.
Average Coverage:$880 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1180 /yr.

What is the average home insurance cost for a home in 21541?

  • • The average homeowners insurance premium paid annually for a home in 21541 is around $880 per year.

What does it cost on average per month for home insurance in 21541?

  • • Homeowners in 21541 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 21541?

  • • Autoowners in 21541 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 Mc Henry area, check out other zip codes nearby 21541.
Review average rates in another zip code:
21541 homeowners insurance rates

Home Replacement Cost Coverage in 21541

Average Building Cost Per Square Foot in 21541: $190

Location: Mc Henry, Maryland (Garrett County)

Average Square Footage in 21541: 1,303 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21541 before you start any project. Mc Henry 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 21541 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 21541 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,303 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 Mc Henry 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$1901,303$247,600
Additional Upgrades & Added Features$2381,303$309,500
Major Home Updates or Advancements$2851,303$371,400

It's important to understand that when you estimate your replacement cost of your home in the 21541 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 21541

Best Home & Auto Insurance Agencies in 21541

Housing Demographics for 21541

Population Review for 21541 Zip Code

For the city of Mc Henry, the population within 21541 has increased to over 1,731 residents in population size. The current population total is 1,626. We have broken down the population based on race below. In 21541, there are over 825 in male population and 801 females.

PopulationValues
Total Population1,626
White Population1422
Black Population97
Hispanic Population53
Asian Population21
Hawaiian Population0
Indian Population5
Other Population6
Male Population825
Female Population801
Population Estimate1731

Household Data for 21541

The average number of homes in 21541 is around 660, there are an average of 2.24 per household. The average house value according to local real estate values is around $247,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode660
Persons Per Household2.24
Average House Value$247,600
Income Per Household$51813
Median Age42.3
Median Age Male38.8
Median Age Female47.3
21541 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code301/240
CityMc Henry
City Alias NameMC HENRY
CountyGarrett
County FIPS023
State FIPS24
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses106
Number Of Employees1636
Business First Quarter Payroll11955
Business Annual Payroll49804
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea1950.26
Delivery Residential773
Delivery Business72
Delivery Total1359
Preferred Last Line KeyV23949
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV23949
Land Area23.066000
Water Area0.332000
City Alias Code
City Mixed CaseMc Henry
City Alias Mixed CaseMc Henry
Box Count393
SFDU411
MFDU149
State ANSI24
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number235652
Unique ZIP Name
SSA State County Code21110
Medicare CBSA Code99921
Medicare CBSA NameRural Areas in MD
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseGarrett

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 […]