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21769 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 21769? There are over 4,229 occupied homes in the 21769 area. With a population size of 11,759, it's not uncommon for residence of Middletown, 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 $917 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 21769 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: Middletown, MD Home Insurance Rate Quotes

21769 Home Insurance Average Premiums

Local 21769 homeowners insurance quotes comparison

$667 /yr.

Shows Zip Code: 21769 lowest rates with discounts applied on average.

For the 21769, 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)		$667 /yr.
Average Coverage:$917 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1217 /yr.

What is the average home insurance cost for a home in 21769?

  • • The average homeowners insurance premium paid annually for a home in 21769 is around $917 per year.

What does it cost on average per month for home insurance in 21769?

  • • Homeowners in 21769 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 21769?

  • • Autoowners in 21769 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 Middletown area, check out other zip codes nearby 21769.
Review average rates in another zip code:
21769 homeowners insurance rates

Home Replacement Cost Coverage in 21769

Average Building Cost Per Square Foot in 21769: $190

Location: Middletown, Maryland (Frederick County)

Average Square Footage in 21769: 2,037 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21769 before you start any project. Middletown 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 21769 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 21769 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,037 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 Middletown 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$1902,037$387,100
Additional Upgrades & Added Features$2382,037$483,875
Major Home Updates or Advancements$2852,037$580,650

It's important to understand that when you estimate your replacement cost of your home in the 21769 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 21769

Best Home & Auto Insurance Agencies in 21769

Rose- Dean

Address: 17 W Main St Middletown, MD 21769
Phone:
Website:
Info:

Wachter Insurance Agency, Incorporated

Address: 201 S Church St Middletown, MD 21769
Phone:
Website: http://www.wachterinsurance.com/
Info:

Housing Demographics for 21769

Population Review for 21769 Zip Code

For the city of Middletown, the population within 21769 has increased to over 12,134 residents in population size. The current population total is 11,759. We have broken down the population based on race below. In 21769, there are over 5853 in male population and 5906 females.

PopulationValues
Total Population11,759
White Population10244
Black Population271
Hispanic Population563
Asian Population279
Hawaiian Population3
Indian Population27
Other Population152
Male Population5853
Female Population5906
Population Estimate12134

Household Data for 21769

The average number of homes in 21769 is around 4,229, there are an average of 2.78 per household. The average house value according to local real estate values is around $387,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,229
Persons Per Household2.78
Average House Value$387,100
Income Per Household$130802
Median Age43.5
Median Age Male41.9
Median Age Female44.8
21769 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code240/301
CityMiddletown
City Alias NameMIDDLETOWN
CountyFrederick
County FIPS021
State FIPS24
Time Zone5
Day Light SavingY
MSA8872
PMSA8840
CSA548
CBSA47900
CBSA_DIV23224
CBSA_TypeMetro
CBSA_NameWashington-Arlington-Alexandria, DC-VA-MD-WV
MSA_NameWashington-Baltimore, DC-MD-VA-WV CMSA
PMSA_NameWashington, DC-MD-VA-WV PMSA
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses198
Number Of Employees1494
Business First Quarter Payroll13567
Business Annual Payroll66102
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5582170
CBSA Division Population1205162
Congressional District06
Congressional LandArea1950.26
Delivery Residential4365
Delivery Business128
Delivery Total4924
Preferred Last Line KeyV23973
Classification Code
Multi-CountyY
CSA NameWashington-Baltimore-Arlington, DC-MD-VA-WV-PA
CBSA_DIV_NameFrederick-Gaithersburg-Bethesda, MD
City State KeyV23973
Land Area40.129000
Water Area0.255000
City Alias Code
City Mixed CaseMiddletown
City Alias Mixed CaseMiddletown
Box Count227
SFDU3842
MFDU84
State ANSI24
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number236066
Unique ZIP Name
SSA State County Code21100
Medicare CBSA Code23224
Medicare CBSA NameFrederick-Gaithersburg-Rockville, MD
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseFrederick

Maryland Homeowners Insurance News & Information

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    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]