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Compare 21821 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Deal Island just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 396 neighbors looking to save on their home insurance policy in the local 21821 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 21821. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Maryland rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Deal Island, MD home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Deal Island, MD

21821 Home Insurance Average Premiums

Local 21821 homeowners insurance quotes comparison

$646 /yr.

Shows Zip Code: 21821 lowest rates with discounts applied on average.

For the 21821, 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)		$646 /yr.
Average Coverage:$896 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1196 /yr.

What is the average home insurance cost for a home in 21821?

  • • The average homeowners insurance premium paid annually for a home in 21821 is around $896 per year.

What does it cost on average per month for home insurance in 21821?

  • • Homeowners in 21821 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 21821?

  • • Autoowners in 21821 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 Deal Island area, check out other zip codes nearby 21821.
Review average rates in another zip code:
21821 homeowners insurance rates

Home Replacement Cost Coverage in 21821

Average Building Cost Per Square Foot in 21821: $190

Location: Deal Island, Maryland (Somerset County)

Average Square Footage in 21821: 853 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 21821 before you start any project. Deal Island 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 21821 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 21821 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 853 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 Deal Island 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$190853$162,100
Additional Upgrades & Added Features$238853$202,625
Major Home Updates or Advancements$285853$243,150

It's important to understand that when you estimate your replacement cost of your home in the 21821 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 21821

Best Home & Auto Insurance Agencies in 21821

Housing Demographics for 21821

Population Review for 21821 Zip Code

For the city of Deal Island, the population within 21821 has increased to over 1,157 residents in population size. The current population total is 847. We have broken down the population based on race below. In 21821, there are over 449 in male population and 398 females.

PopulationValues
Total Population847
White Population741
Black Population50
Hispanic Population11
Asian Population1
Hawaiian Population0
Indian Population2
Other Population1
Male Population449
Female Population398
Population Estimate1157

Household Data for 21821

The average number of homes in 21821 is around 396, there are an average of 2.14 per household. The average house value according to local real estate values is around $162,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode396
Persons Per Household2.14
Average House Value$162,100
Income Per Household$36875
Median Age59.7
Median Age Male60.2
Median Age Female58.5
21821 DetailsValues
StateMD
State Full NameMaryland
City TypeP
City Alias Abbreviation
Area Code667/410
CityDeal Island
City Alias NameDEAL ISLAND
CountySomerset
County FIPS039
State FIPS24
Time Zone5
Day Light SavingY
MSA
PMSA
CSA480
CBSA41540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSalisbury, MD
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees55
Business First Quarter Payroll892
Business Annual Payroll4639
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population125203
CBSA Division Population0
Congressional District01
Congressional LandArea3977.06
Delivery Residential541
Delivery Business9
Delivery Total1051
Preferred Last Line KeyV23328
Classification Code
Multi-County
CSA NameSalisbury-Ocean Pines, MD
CBSA_DIV_Name
City State KeyV23328
Land Area14.735000
Water Area5.070000
City Alias Code
City Mixed CaseDeal Island
City Alias Mixed CaseDeal Island
Box Count53
SFDU541
MFDU0
State ANSI24
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number232574
Unique ZIP Name
SSA State County Code21190
Medicare CBSA Code41540
Medicare CBSA NameSalisbury, MD-DE
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseSomerset

Maryland Homeowners Insurance News & Information

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    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 […]