Bel Air Insurance Rates:

Bel Air, MD home insurance is nearly $591 to $806, about $49-$67/month. Our comprehensive guide shows customers can save upto $279 by getting many quotes

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Bel Air, Maryland Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Bel Air Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $1220/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

5 Beds, 5 Bath 2890 sqft Rental Property Constructed In 2010 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $680,000

5 Beds, 5 Baths 4330 sqft Seasonal Residence Constructed In 1991 with Carpet Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $60/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1510 sqft Primary Residence Constructed In 1962 with Carpet Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

3 Beds, 3 Baths 1210 sqft Vacation Property Constructed In 2011 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $970/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Bath 1800 sqft Vacation Property Constructed In 1972 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2090 sqft Seasonal Residence Constructed In 1962 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $490/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1740 sqft Primary Residence Constructed In 2004 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/6 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1290 sqft Vacation Property Constructed In 2001 with Linoleum, Wood Shake Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Deadbolt Locks, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Bel Air, MD Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
21015 $328,300 $720
21014 $306,700 $720

Bel Air Rates & Quotes Analysis:

Bel Air Area Estimated House Insurance
Idlewild St, Huntington Pl, Sable Ct, Southampton Rd, Vermont Rd, E Belcrest Pl, Beetlebrook Dr, Steed Ln, Colonial Rd, Lynndale Ct$721
Overlook Way, Belmont Ct, Grimsby Ct, Chase Ct, Loring Ave, Regent Dr, Dunsinnan Trl, New Place Ct, Wright St, Churchhill Rd$737
Olivier Ln, Hazel Ln, Vaughn Ave, Sherwood Pl, Hepburn Ln, W Ring Factory Rd, Eastern Ave, Woodsyde Cir, Clara Ter, Foothill Ct$724
Dublin Way, Giles St, Homestead St, S Dahlia Rd, S Hays St, Jade Dr, Runnymede Ct, Hall St, E Farrow Ct, Knightswood Ct$703
Irwins Choice, Malkus Way, Donegal Rd, Wellington Ct, Cesky Pl, Marcdale Pl, W Belcrest Rd, Clifton Ter, Dungarvan Ct, Tavistock Ct$698

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,101 Homes (23% of total) built between 1980 to 1989 in Bel Air are paying home insurance between $1,042-$1,053 and varies from Bel Air North (+$27), Bel Air South (+$11), Harford County (+$14), Riverside (-$17) and Edgewood (-$23).
  • Bedrooms: 1,608 2 bedrooms homes (34% of total homes ) in Bel Air are paying about $315. Areas near to Bel Air such as Bel Air North, Fallston, Kingsville are costlier by $8, $9, $16 respectively whereas Bel Air South and Harford County are more economical by $4, $3 respectively for similar homes.
  • Auto Insurance Bundling: 1,354 Households (44% of all households) in Bel Air have 2 vehicles available and when it is bundled with home insurance you can save $139. Discounts for similar bundling in close by locations such as Bel Air North, Bel Air South, Harford County come to $143, $141, $141 respectively.
  • Senior Discounts: 1,697 seniors (more than 55 years) occupied housing units (55% of total) in Bel Air get discounts between $104 to $107 in contrast with Bel Air North ($107), Bel Air South ($105), Harford County ($106).
  • New Homes discounts: New homes such as the 1,793 homes built between 2000 to 2009 in Bel Air can save $139 and varies from Bel Air North ($143), Bel Air South ($141), Harford County ($141).

Bel Air Homeowners insurance Facts

  • Bel Air, MD has 3,039 owner occupied houses which is 70.6% of all units whereas Bel Air North, Bel Air South and Harford County have 90.01%, 82.9% and 80.42% respectively.
  • Bel Air, MD homeowners yearly insurance price at $699 is 0.28% of the typical house value of $254,000 which is in contrast with 0.22% in Bel Air North, 0.25% at Bel Air South & 0.24% in Harford County.
  • Homeowners in Bel Air, MD pay 13.98% of their income (Less than $10,000) in insurance whereas homeowners in Bel Air South, Harford County and Riverside pay 14.12%, 14.16% and 13.74% respectively.
  • Bel Air, MD’s insurance is 3.3% of monthly housing costs of $1,764/month, for owners with a mortgage compared to 2.88% in Bel Air North, 3.01% at Bel Air South & 2.97% in Harford County. But, for households without a mortgage, insurance is 10.1% of costs ($578 in Bel Air, MD) in contrast with 10.28% in Bel Air North, 11.08% at Bel Air South & 10.3% in Harford County.

Bel Air, MD Home Values & Insurance rates

For example, insurance for 624 Homes (21.0% of total homes ) valued between $250,000 to $299,999 in Bel Air, MD is about $754. Rates in nearby areas in such as Bel Air North, Bel Air South, Harford County are cheaper by $145, $70, $89 respectively while Riverside and Edgewood are costlier by $139 and $202 respectively for similar homes.

Bel Air, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 66 2.0% $62
$100,000 to $124,999 75 2.0% $300
$125,000 to $149,999 219 7.0% $377
$150,000 to $174,999 236 8.0% $440
$175,000 to $199,999 213 7.0% $510
$200,000 to $249,999 652 22.0% $615
$250,000 to $299,999 624 21.0% $754
$300,000 to $399,999 800 27.0% $957

Renters Insurance in Bel Air

  • Average Renters Insurance in Bel Air :  $143($11/month)

  • Median Gross Rent in Bel Air :  $1,167

  • Bel Air Renters Insurance to Median Rent Ratio:  0.94%

  • Renter occupied housing units in Bel Air :  1,266

Bel Air Renters Insurance as a Percentage of Rent

Bel Air Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 13 1.0% $785
$300 to $499 28 2.0% $1235
$500 to $749 50 3.0% $1910
$750 to $999 295 23.0% $2660
$1,000 to $1,499 683 54.0% $3785
$1,500 or more 171 13.0% $5435

Rent Affordability in Bel Air:

Approximately 40.0% (516) of households are spending more than 35% of their income on gross rent in Bel Air

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 113 8.0%
15.0 to 19.9 percent 215 16.0%
20.0 to 24.9 percent 138 10.0%
25.0 to 29.9 percent 133 10.0%
30.0 to 34.9 percent 151 11.0%
35.0 percent or more 516 40.0%

Bel Air Renters Insurance Discounts:

Bel Air Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Bel Air, MD Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 529 41.0% $14.3
2 vehicles available 560 44.0% $21.45
3 or more vehicles available 52 4.0% $28.6

Bel Air Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 60 4.0% $116
60 to 64 years 31 2.0% $93
65 to 74 years 87 6.0% $75
75 years and over 176 13.0% $58

Protective device discount in Bel Air Up to :  $21

Claims-free discount in Bel Air Up to :  $28