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21804 Home Insurance Rates
For homeowners living in 21804, the population estimates are increasing to well over 40,049 with 16,018 occupied homes within the zip code of 21804. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Salisbury have increased and the average home insurance premium is around $897 per year in 21804. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 21804 zip code today so we can help you find affordable Salisbury, MD home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 21804
Please select one of the three options below based on your 21804 zip code to learn more about Maryland homeowners insurance, plus review average rates and information per state, county or city.
- Maryland Homeowners Insurance Quotes
- Wicomico County, MD Home Insurance
- Salisbury, MD Home Insurance Quotes
21804 Average Home Insurance Rating Cost is: Medium!
Getting cheaper homeowners insurance in the 21804 zip code just got easier with GetHomeInsuranceQuotes.com of Salisbury, MD. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 21804 today and let us help you review the best home insurance quotes available for homeowners living in Salisbury.
21804 Home Insurance Average Premiums
$647 /yr.
Shows Zip Code: 21804 lowest rates with discounts applied on average.
For the 21804, 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) | $647 /yr. |
| Average Coverage: | $897 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1197 /yr. |
What is the average home insurance cost for a home in 21804?
- • The average homeowners insurance premium paid annually for a home in 21804 is around $897 per year.
What does it cost on average per month for home insurance in 21804?
- • Homeowners in 21804 pay a monthly average cost per month around $75.00.
What kind of discount could I get if I combine my home and auto insurance together in 21804?
- • Autoowners in 21804 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 Salisbury area, check out other zip codes nearby 21804.
Review average rates in another zip code:
21801 homeowners insurance rates
21804 homeowners insurance rates
Home Replacement Cost Coverage in 21804
Average Building Cost Per Square Foot in 21804: $190
Location: Salisbury, Maryland (Wicomico County)Average Square Footage in 21804: 919 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 21804 before you start any project. Salisbury 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 21804 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 21804 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 919 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 Salisbury 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 | 919 | $174,700 |
| Additional Upgrades & Added Features | $238 | 919 | $218,375 |
| Major Home Updates or Advancements | $285 | 919 | $262,050 |
It's important to understand that when you estimate your replacement cost of your home in the 21804 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 21804
Best Home & Auto Insurance Agencies in 21804
Case- Julie A
Address: 246 Tilghman Rd Salisbury, MD 21804Phone:
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
Ronald H. Gore Inc.
Address: 308 Civic Ave Salisbury, MD 21804Phone:
Website:
Info:
Carl G Urian Insurance
Address: 1323 Mt Hermon Rd, #3b Salisbury, MD 21804Phone:
Website: http://www.national.citysearch.com/profile/5039660/salisbury_md/carl_g_urian_insurance.html
Info:
Elliott- Gamee S
Address: 923 Eastern Shore Dr Salisbury, MD 21804Phone:
Website: http://www.gameeelliott.com
Info:
Housing Demographics for 21804
Population Review for 21804 Zip Code
For the city of Salisbury, the population within 21804 has increased to over 42,924 residents in population size. The current population total is 40,049. We have broken down the population based on race below. In 21804, there are over 19026 in male population and 21023 females.
| Population | Values |
|---|---|
| Total Population | 40,049 |
| White Population | 22207 |
| Black Population | 11283 |
| Hispanic Population | 3696 |
| Asian Population | 1299 |
| Hawaiian Population | 22 |
| Indian Population | 208 |
| Other Population | 2128 |
| Male Population | 19026 |
| Female Population | 21023 |
| Population Estimate | 42924 |
Household Data for 21804
The average number of homes in 21804 is around 16,018, there are an average of 2.45 per household. The average house value according to local real estate values is around $174,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 16,018 |
| Persons Per Household | 2.45 |
| Average House Value | $174,700 |
| Income Per Household | $58900 |
| Median Age | 36.4 |
| Median Age Male | 34.9 |
| Median Age Female | 37.8 |
| 21804 Details | Values |
|---|---|
| State | MD |
| State Full Name | Maryland |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 410/443/667 |
| City | Salisbury |
| City Alias Name | SALISBURY |
| County | Wicomico |
| County FIPS | 045 |
| State FIPS | 24 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 480 |
| CBSA | 41540 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Salisbury, MD |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 811 |
| Number Of Employees | 10650 |
| Business First Quarter Payroll | 123865 |
| Business Annual Payroll | 570286 |
| 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 | 125203 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 3977.06 |
| Delivery Residential | 17520 |
| Delivery Business | 1011 |
| Delivery Total | 18279 |
| Preferred Last Line Key | V24334 |
| Classification Code | |
| Multi-County | |
| CSA Name | Salisbury-Ocean Pines, MD |
| CBSA_DIV_Name | |
| City State Key | V24334 |
| Land Area | 68.594000 |
| Water Area | 0.446000 |
| City Alias Code | |
| City Mixed Case | Salisbury |
| City Alias Mixed Case | Salisbury |
| Box Count | 0 |
| SFDU | 10993 |
| MFDU | 2801 |
| State ANSI | 24 |
| County ANSI | 045 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 238118 |
| Unique ZIP Name | |
| SSA State County Code | 21220 |
| Medicare CBSA Code | 41540 |
| Medicare CBSA Name | Salisbury, MD-DE |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 2 |
| County Mixed Case | Wicomico |
Maryland Homeowners Insurance News & Information
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
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 […]
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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 […]