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Home Insurance in 21619
One of the best ways to save money on your homeowners insurance policy in the 21619 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.
GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Chester, MD. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.
As always, our service is free and our Maryland licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.
Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 21619 zip code and you are ready to start saving on home insurance.
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Find Chester, MD Homeowners Insurance Quotes to review the best coverage options in your area.
Information on the Average Homeowners Premiums in 21619
According to industry data, homeowners located in Chester pay roughly $892 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.
Remember, an HO-3 policy does not offer coverage for flood damage in 21619 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.
A recent ranking of Maryland home insurance premiums found that premiums in 21619 are 29 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.
Start Shopping 21619 Home Insurance Quotes Right Now!
The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 21619.
Let us find you a great policy at an affordable price, get 21619 homeowners insurance quotes now.
21619 Home Insurance Average Premiums
$642 /yr.
Shows Zip Code: 21619 lowest rates with discounts applied on average.
For the 21619, 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) | $642 /yr. |
| Average Coverage: | $892 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1192 /yr. |
What is the average home insurance cost for a home in 21619?
- • The average homeowners insurance premium paid annually for a home in 21619 is around $892 per year.
What does it cost on average per month for home insurance in 21619?
- • Homeowners in 21619 pay a monthly average cost per month around $74.00.
What kind of discount could I get if I combine my home and auto insurance together in 21619?
- • Autoowners in 21619 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 Chester area, check out other zip codes nearby 21619.
Review average rates in another zip code:
21619 homeowners insurance rates
Home Replacement Cost Coverage in 21619
Average Building Cost Per Square Foot in 21619: $190
Location: Chester, Maryland (Queen Annes County)Average Square Footage in 21619: 1,982 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 21619 before you start any project. Chester 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 21619 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 21619 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,982 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 Chester 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $190 | 1,982 | $376,600 |
| Additional Upgrades & Added Features | $238 | 1,982 | $470,750 |
| Major Home Updates or Advancements | $285 | 1,982 | $564,900 |
It's important to understand that when you estimate your replacement cost of your home in the 21619 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 21619
H. Lee Granger Agency
Address: 13 Kent Town Market Chester, MD 21619Phone: (410)643-6163
Website: www.nwagent.com/h_lee_granger
Best Home & Auto Insurance Agencies in 21619
Divilio, Frank - State Farm Insurance Agent
Address: 2201 Main St, #4 Chester, MD 21619Phone:
Website: http://www.citysearch.com/profile/external/603123312/chester_md/divilio_frank_state_farm_insurance_agent.html
Info:
Helfenbein Insurance Agency Inc.
Address: 100 Helfen Bein Ln, #200 Chester, MD 21619Phone:
Website:
Info:
Steve Hoofnagle Ins Agcy Inc - State Farm Insurance Agent
Address: 210 Castle Marina Rd Chester, MD 21619Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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H. Lee Granger Agency
Address: 13 Kent Town Market Chester, MD 21619Phone:
Website: http://www.nwagent.com/h_lee_granger
Info:
Housing Demographics for 21619
Population Review for 21619 Zip Code
For the city of Chester, the population within 21619 has increased to over 8,340 residents in population size. The current population total is 6,598. We have broken down the population based on race below. In 21619, there are over 3255 in male population and 3343 females.
| Population | Values |
|---|---|
| Total Population | 6,598 |
| White Population | 5593 |
| Black Population | 329 |
| Hispanic Population | 336 |
| Asian Population | 110 |
| Hawaiian Population | 3 |
| Indian Population | 29 |
| Other Population | 149 |
| Male Population | 3255 |
| Female Population | 3343 |
| Population Estimate | 8340 |
Household Data for 21619
The average number of homes in 21619 is around 2,848, there are an average of 2.32 per household. The average house value according to local real estate values is around $376,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,848 |
| Persons Per Household | 2.32 |
| Average House Value | $376,600 |
| Income Per Household | $88750 |
| Median Age | 48.5 |
| Median Age Male | 46.8 |
| Median Age Female | 49.6 |
| 21619 Details | Values |
|---|---|
| State | MD |
| State Full Name | Maryland |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 667/410/443 |
| City | Chester |
| City Alias Name | CHESTER |
| County | Queen Annes |
| County FIPS | 035 |
| State FIPS | 24 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 8872 |
| PMSA | 0720 |
| CSA | 548 |
| CBSA | 12580 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Baltimore-Columbia-Towson, MD |
| MSA_Name | Washington-Baltimore, DC-MD-VA-WV CMSA |
| PMSA_Name | Baltimore, MD PMSA |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 211 |
| Number Of Employees | 1706 |
| Business First Quarter Payroll | 14855 |
| Business Annual Payroll | 65683 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 2710489 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 3977.06 |
| Delivery Residential | 3595 |
| Delivery Business | 229 |
| Delivery Total | 5133 |
| Preferred Last Line Key | V23160 |
| Classification Code | |
| Multi-County | |
| CSA Name | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA |
| CBSA_DIV_Name | |
| City State Key | V23160 |
| Land Area | 9.288000 |
| Water Area | 9.863000 |
| City Alias Code | |
| City Mixed Case | Chester |
| City Alias Mixed Case | Chester |
| Box Count | 171 |
| SFDU | 1826 |
| MFDU | 403 |
| State ANSI | 24 |
| County ANSI | 035 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 231746 |
| Unique ZIP Name | |
| SSA State County Code | 21170 |
| Medicare CBSA Code | 12580 |
| Medicare CBSA Name | Baltimore-Columbia-Towson, MD |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Queen Annes |
Maryland Homeowners Insurance News & Information
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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 […]
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According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]