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21678 Home Insurance Quotes & Rates

Currently, the 911 homes within the 21678 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Maryland is around $891 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Worton, MD, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 21678.

Maryland is now ranking #29 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Worton home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Maryland has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 21678 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Worton, Maryland home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Worton, MD Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

21678 Home Insurance Average Premiums

Local 21678 homeowners insurance quotes comparison

$641 /yr.

Shows Zip Code: 21678 lowest rates with discounts applied on average.

For the 21678, 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)
$641 /yr.
Average Coverage:$891 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1191 /yr.

What is the average home insurance cost for a home in 21678?

  • • The average homeowners insurance premium paid annually for a home in 21678 is around $891 per year.

What does it cost on average per month for home insurance in 21678?

  • • Homeowners in 21678 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 21678?

  • • Autoowners in 21678 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 Worton area, check out other zip codes nearby 21678.
Review average rates in another zip code:
21678 homeowners insurance rates

Home Replacement Cost Coverage in 21678

Average Building Cost Per Square Foot in 21678: $190

Location: Worton, Maryland (Kent County)

Average Square Footage in 21678: 1,321 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21678 before you start any project. Worton 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 21678 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 21678 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,321 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 Worton 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$1901,321$250,900
Additional Upgrades & Added Features$2381,321$313,625
Major Home Updates or Advancements$2851,321$376,350

It's important to understand that when you estimate your replacement cost of your home in the 21678 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 21678

Best Home & Auto Insurance Agencies in 21678

Housing Demographics for 21678

Population Review for 21678 Zip Code

For the city of Worton, the population within 21678 has increased to over 2,241 residents in population size. The current population total is 2,145. We have broken down the population based on race below. In 21678, there are over 1052 in male population and 1093 females.

PopulationValues
Total Population2,145
White Population1517
Black Population503
Hispanic Population63
Asian Population4
Hawaiian Population0
Indian Population3
Other Population27
Male Population1052
Female Population1093
Population Estimate2241

Household Data for 21678

The average number of homes in 21678 is around 911, there are an average of 2.34 per household. The average house value according to local real estate values is around $250,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode911
Persons Per Household2.34
Average House Value$250,900
Income Per Household$57917
Median Age51.7
Median Age Male50.8
Median Age Female52.5
21678 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code410
CityWorton
City Alias NameWORTON
CountyKent
County FIPS029
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 Businesses36
Number Of Employees185
Business First Quarter Payroll1947
Business Annual Payroll10435
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 District01
Congressional LandArea3977.06
Delivery Residential958
Delivery Business16
Delivery Total1094
Preferred Last Line KeyV24698
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV24698
Land Area36.849000
Water Area6.592000
City Alias Code
City Mixed CaseWorton
City Alias Mixed CaseWorton
Box Count88
SFDU958
MFDU0
State ANSI24
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number239900
Unique ZIP Name
SSA State County Code21140
Medicare CBSA Code99921
Medicare CBSA NameRural Areas in MD
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseKent

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 […]