Edgewood Insurance Rates:

Edgewood, MD home insurance is nearly $578 to $788, about $48-$65/month. Our comprehensive research indicates shoppers can save upto $273 by getting multiple quotes

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Edgewood Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Erie Insurance
Home Insurance Rate of $260/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1730 sqft Seasonal Residence Constructed In 1975 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

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

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $660/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2410 sqft Primary Residence Constructed In 1982 with Wood Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $430/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2320 sqft Rental Property Constructed In 2014 with Ceramic Tile Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $220/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $410,000

5 Beds, 5 Baths 4220 sqft Seasonal Residence Constructed In 1978 with Linoleum, Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $640/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

5 Beds, 5 Bath 1610 sqft Vacation Property Constructed In 2003 with Linoleum, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Baths 1300 sqft Vacation Property Constructed In 2009 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $570/4 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $540,000

5 Beds, 5 Baths 4810 sqft Rental Property Constructed In 2008 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 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 :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $440/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1780 sqft Vacation Property Constructed In 1986 with Ceramic Tile Flooring, Tile Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Bath 1610 sqft Primary Residence Constructed In 1974 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $700/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Bath 3320 sqft Primary Residence Constructed In 1973 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Copper Water Pipes, Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Edgewood, MD Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
21040 $186,700 $680

Edgewood Rates & Quotes Analysis:

Edgewood Area Estimated House Insurance
S Goose Pond Ct, Arbor Ct, Hilltop Ave, Morgan Ct, Crystal Bridge Ct, Friarswood Ct, Long Bar Harbor Rd, Waterside Ct, Holly Dr, Sky Blue Ct$673
Susquehanna Ave, Simons Ct, Shandy Hall Rd, Saint Christopher Ct, Plumb Pt Lp, Mountain Rd, Cokesbury Rd, My Ladys Dr, Kingston Ct, Stans Rd$669
Rainbow Garden Ct, Gilway Ct, Cardiff Cir, Agate Dr, Rivershore Dr, Woltham Ct, Pine Rd, Plumb Point Loop W, Pirates Cove, Beckon Dr$667
Bald Eagle Way, Ashby Ct, Severn Ct, Deepwater Way, Old Church St, Charlestown Dr, State Hwy 755, Pearson Pl, Yorkshire Dr, Letchworth Ct$None
Blackbird Ct, Chevron Dr E, Citizen Ct, Golden Eagle Way, Brown Ct, Barberry Rd, Sidney Park Rd, Swallow Crest Ct, Bayberry Rd, Berg Way$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,707 Homes (16% of total homes ) built between 1980 to 1989 in Edgewood are paying home insurance between $1,019-$1,029. Places close to Edgewood, MD such as Joppatowne, Perryman, Bel Air South are more expensive by $26, $20, $34 respectively while Aberdeen Proving Ground and Middle River are cheaper by $75 and $10 respectively for similar homes.
  • Bedrooms: 1,904 4 bedrooms homes (18% of total homes ) in Edgewood are paying about $636 and differs from Joppatowne (+$15), Riverside (+$3), Perryman (+$13), Aberdeen Proving Ground (-$21) and Middle River (-$6).
  • Auto Insurance Bundling: 2,805 Households (45% of all households) in Edgewood have 2 vehicles available and when it is bundled with home insurance you can save $136. Discounts for similar bundling in close by locations such as Joppatowne, Riverside, Perryman come to $140, $137, $139 respectively.
  • Senior Discounts: 2,529 seniors (more than 55 years) occupied housing units (41% of total) in Edgewood get discounts between $102 to $104. The comparative concessions in proximate regions such as Joppatowne, Riverside and Perryman are $105, $103 and $104 respectively.
  • New Homes discounts: New homes such as the 3,192 homes built between 2000 to 2009 in Edgewood can save $136 in contrast with Joppatowne ($140), Riverside ($137), Perryman ($139).

Edgewood Homeowners insurance Facts

  • Edgewood, MD has 6,140 owner occupied houses which is 65.1% of all units whereas Joppatowne, Riverside and Perryman have 79.77%, 70.69% and 81.5% respectively.
  • Edgewood, MD homeowners yearly insurance price at $683 is 0.35% of the typical house value of $196,500 which is in contrast with 0.27% in Joppatowne, 0.32% at Riverside & 0.28% in Perryman.
  • Homeowners in Edgewood, MD pay 0.91% of their income ($75,000 or more) in insurance whereas homeowners in Joppatowne, Riverside and Perryman pay 0.93%, 0.92% and 0.93% respectively.
  • Edgewood, MD’s insurance is 3.7% of monthly housing costs of $1,527/month, for owners with a mortgage compared to 3.03% in Joppatowne, 3.58% at Riverside & 2.73% in Perryman. But, for households without a mortgage, insurance is 10.5% of costs ($542 in Edgewood, MD) in contrast with 11.51% in Joppatowne, 15.11% at Riverside & 8.23% in Perryman.

Edgewood, MD Home Values & Insurance rates

For example, insurance for 677 Homes (11.0% of total homes ) valued between $300,000 to $399,999 in Edgewood, MD is about $1,215. Rates in nearby areas in such as Joppatowne, Riverside, Perryman are cheaper by $270, $82, $240 respectively while Middle River and Butlertown are costlier by $152 and $448 respectively for similar homes.

Edgewood, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 528 9.0% $81
$60,000 to $69,999 76 1.0% $225
$70,000 to $79,999 66 1.0% $259
$100,000 to $124,999 339 5.0% $375
$125,000 to $149,999 582 10.0% $471
$150,000 to $174,999 803 13.0% $560
$175,000 to $199,999 680 11.0% $648
$200,000 to $249,999 1,053 18.0% $778
$250,000 to $299,999 906 15.0% $956
$300,000 to $399,999 677 11.0% $1215

Renters Insurance in Edgewood

  • Average Renters Insurance in Edgewood :  $174($14/month)

  • Median Gross Rent in Edgewood :  $1,103

  • Edgewood Renters Insurance to Median Rent Ratio:  1.27%

  • Average household size of renter-occupied unit :  2.67

Edgewood Renters Insurance as a Percentage of Rent

Edgewood Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 136 4.0% $343
$200 to $299 238 7.0% $793
$300 to $499 168 5.0% $1243
$500 to $749 220 6.0% $1918
$750 to $999 594 18.0% $2668
$1,000 to $1,499 1,311 40.0% $3793
$1,500 or more 592 18.0% $5443

Protective device discount in Edgewood Up to :  $26

Claims-free discount in Edgewood Up to :  $34