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21601 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 21601? There are over 10,286 occupied homes in the 21601 area. With a population size of 23,945, it's not uncommon for residence of Easton, MD to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Maryland is around $841 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 21601 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Easton, MD Home Insurance Rate Quotes

21601 Home Insurance Average Premiums

Local 21601 homeowners insurance quotes comparison

$591 /yr.

Shows Zip Code: 21601 lowest rates with discounts applied on average.

For the 21601, 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)		$591 /yr.
Average Coverage:$841 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1141 /yr.

What is the average home insurance cost for a home in 21601?

  • • The average homeowners insurance premium paid annually for a home in 21601 is around $841 per year.

What does it cost on average per month for home insurance in 21601?

  • • Homeowners in 21601 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 21601?

  • • Autoowners in 21601 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 Easton, check out other zip codes nearby 21601.
To review average rates in another zip code, click on a zip code below:
21601  | 

Home Replacement Cost Coverage in 21601

Average Building Cost Per Square Foot in 21601: $190

Location: Easton, Maryland (Talbot County)

Average Square Footage in 21601: 1,601 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21601 before you start any project. Easton 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 21601 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 21601 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,601 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 Easton 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$1901,601$304,200
Additional Upgrades & Added Features$2381,601$380,250
Major Home Updates or Advancements$2851,601$456,300

It's important to understand that when you estimate your replacement cost of your home in the 21601 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 21601

Guelts Adams Harwood & Bowie

Address: 29276 Erickson Dr Easton, MD 21601
Phone: (410)820-4500
Website: www.blockinsurance.com

Best Home & Auto Insurance Agencies in 21601

Guelts Adams Harwood & Bowie

Address: 29276 Erickson Dr Easton, MD 21601
Phone:
Website: http://www.blockinsurance.com
Info:

Nationwide Insurance Co-District Sales & Claims OFC

Address: Route 50 Easton, MD 21601
Phone:
Website: http://www.nationwide.com
Info: Nationwide Insurance - Auto Insurance Quotes and Car Insurance Rates
Start saving on car insurance today when you get a free online auto insurance quote or call (888)890-4630. Enjoy the ease of working with Nationwide for your auto insurance needs and our competitive auto insurance rates. car insurance, auto insurance, online auto insurance, auto insurance rates, car insurance quote

Allstate Insurance Companies

Address: 8448 Ocean Gtwy Easton, MD 21601
Phone:
Website:
Info:

Phillips- Richard L - State Farm Insurance Agent

Address: 9707 Ocean Gtwy Easton, MD 21601
Phone:
Website:
Info:

State Farm Insurance CO

Address: 210 Marlboro Ave Easton, MD 21601
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

Housing Demographics for 21601

Population Review for 21601 Zip Code

For the city of Easton, the population within 21601 has increased to over 25,561 residents in population size. The current population total is 23,945. We have broken down the population based on race below. In 21601, there are over 11282 in male population and 12663 females.

PopulationValues
Total Population23,945
White Population17132
Black Population3017
Hispanic Population2791
Asian Population440
Hawaiian Population12
Indian Population122
Other Population1615
Male Population11282
Female Population12663
Population Estimate25561

Household Data for 21601

The average number of homes in 21601 is around 10,286, there are an average of 2.28 per household. The average house value according to local real estate values is around $304,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,286
Persons Per Household2.28
Average House Value$304,200
Income Per Household$77069
Median Age48.2
Median Age Male44.6
Median Age Female50.8
21601 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code410/443/667
CityEaston
City Alias NameEASTON
CountyTalbot
County FIPS041
State FIPS24
Time Zone5
Day Light SavingY
MSA
PMSA
CSA548
CBSA20660
CBSA_DIV
CBSA_TypeMicro
CBSA_NameEaston, MD
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1073
Number Of Employees14426
Business First Quarter Payroll163219
Business Annual Payroll715965
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population37782
CBSA Division Population0
Congressional District01
Congressional LandArea3977.06
Delivery Residential11211
Delivery Business1396
Delivery Total13157
Preferred Last Line KeyV23387
Classification Code
Multi-County
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_Name
City State KeyV23387
Land Area107.072000
Water Area19.645000
City Alias Code
City Mixed CaseEaston
City Alias Mixed CaseEaston
Box Count433
SFDU7894
MFDU852
State ANSI24
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number232826
Unique ZIP Name
SSA State County Code21200
Medicare CBSA Code99921
Medicare CBSA NameRural Areas in MD
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseTalbot

Maryland Homeowners Insurance News & Information

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    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]