Joppatowne Insurance Rates:

Joppatowne, MD home insurance is about $593 to $806, about $49-$67/month. Our detailed research reveals consumers can save as much as $280 by getting different quotes

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Joppatowne Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $840/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 2690 sqft Seasonal Residence Constructed In 1976 with Hardwood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Single Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $100/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $295,000

4 Beds, 4 Baths 2110 sqft Primary Residence Constructed In 1988 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1040/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 1690 sqft Seasonal Residence Constructed In 2014 with Stone Flooring, Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

4 Beds, 4 Baths 1630 sqft Vacation Property Constructed In 1987 with Wood Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced 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

  • 650-699 Credit Score

Home Insurance Rate of $820/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 3170 sqft Primary Residence Constructed In 1980 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $340/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 1880 sqft Primary Residence Constructed In 1989 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Smoke Alarm, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male 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 Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1610/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

3 Beds, 3 Bath 2390 sqft Seasonal Residence Constructed In 1981 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Male who has a Full 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

  • 750-799 Credit Score

Home Insurance Rate of $360/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 1760 sqft Rental Property Constructed In 1974 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Divorced Male who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1110/5 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $720,000

5 Beds, 5 Baths 4430 sqft Primary Residence Constructed In 2011 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $800/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $375,000

4 Beds, 4 Baths 3190 sqft Seasonal Residence Constructed In 1982 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married 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 :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Joppatowne Rates & Quotes Analysis:

Joppatowne Area Estimated House Insurance
Rumsey Pl, Kershaw Rd, Echols Ct, Tanglewood Ct, Averill Rd, Eckhart Dr, Garnett Rd, Enfield Rd, Summerfield Ct, Riley Ct$696
Watertons Way, Jonathan Dr, Anchor Dr, Dallas Ct, White Pine Ln, Gunpowder Ridge Rd, Barksdale Rd, Renee Dr, Woodmont Ct, Chandler Ct$698
Ripplewood Rd, Cider Press Ct, Fungsten Ct, Joppa Farm Rd, Barberry Rd, Melvin Dr, Baldwin Dr, Gunpowder Dr, Blackburn Ct, Old Church Dr$705
Bus Center Way, Columbia Park Dr, Bridewells Ct, Kershaw Ct, Orsburn Dr, Fashion Ct, Green Rd, Chipper Dr, Wiesser Ct, Sheffield Ct$708
Haverhill Rd, Cutler Ct, Chell Rd, Riverwood Ct, Curry Ct, Blevins Rd, Emmerick Dr, Turners Ln, Jonathon Dr, Hanson Exd$707

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,872 Homes (36% of total) built between 1960 to 1969 in Joppatowne are paying home insurance between $1,227-$1,237 and differs from Kingsville (+$89), Pleasant Hills (+$58), Harford County (+$13), Edgewood (-$32) and Middle River (-$42).
  • Bedrooms: 1,075 2 bedrooms homes (20% of total homes ) in Joppatowne are paying about $315 and varies from Kingsville (+$16), Pleasant Hills (+$8), Bowleys Quarters (+$3), Edgewood (-$7) and White Marsh (-$5).
  • Auto Insurance Bundling: 1,161 Households (29% of all households) in Joppatowne have 3 or more vehicles available and when it is bundled with home insurance you can save $175 in contrast with Edgewood ($170), Kingsville ($188), Pleasant Hills ($183).
  • Senior Discounts: 1,831 seniors (more than 55 years) occupied housing units (46% of total) in Joppatowne get discounts between $104 to $107. The comparative concessions in proximate regions such as Edgewood, Kingsville and Pleasant Hills are $102, $112 and $110 respectively.
  • New Homes discounts: New homes such as the 1,529 homes built between 2000 to 2009 in Joppatowne can save $140 and differs from Edgewood ($136), Kingsville ($150), Pleasant Hills ($146).

Joppatowne Homeowners insurance Facts

  • Joppatowne, MD has 3,935 owner occupied houses which is 79.8% of all units whereas Edgewood, Kingsville and Pleasant Hills have 65.11%, 95.02% and 95.38% respectively.
  • Joppatowne, MD homeowners yearly insurance price at $700 is 0.27% of the typical house value of $258,300 which is in contrast with 0.35% in Edgewood, 0.17% at Kingsville & 0.19% in Pleasant Hills.
  • Homeowners in Joppatowne, MD pay 4.0% of their income ($15,000 to $19,999) in insurance whereas homeowners in Edgewood, Kingsville and Pleasant Hills pay 3.9%, 4.3% and 4.19% respectively.
  • Joppatowne, MD’s insurance is 3.0% of monthly housing costs of $1,925/month, for owners with a mortgage compared to 3.73% in Edgewood, 2.56% at Kingsville & 2.35% in Pleasant Hills. But, for households without a mortgage, insurance is 11.5% of costs ($507 in Joppatowne, MD) in contrast with 10.5% in Edgewood, 9.88% at Kingsville & 9.83% in Pleasant Hills.

Joppatowne, MD Home Values & Insurance rates

For example, insurance for 374 Homes (10.0% of total homes ) valued between $175,000 to $199,999 in Joppatowne, MD is about $504. Rates in nearby areas in such as Pleasant Hills, White Marsh, Bel Air South are cheaper by $152, $26, $39 respectively while Edgewood and Middle River are costlier by $144 and $227 respectively for similar homes.

Joppatowne, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 48 1.0% $63
$100,000 to $124,999 62 1.0% $294
$125,000 to $149,999 87 2.0% $371
$150,000 to $174,999 219 6.0% $434
$175,000 to $199,999 374 10.0% $504
$200,000 to $249,999 977 27.0% $609
$250,000 to $299,999 828 23.0% $742
$300,000 to $399,999 923 25.0% $945

Renters Insurance in Joppatowne

  • Average Renters Insurance in Joppatowne :  $140($11/month)

  • Median Gross Rent in Joppatowne :  $1,073

  • Joppatowne Renters Insurance to Median Rent Ratio:  1.03%

  • Renter occupied housing units in Joppatowne :  998

Joppatowne Renters Insurance as a Percentage of Rent

Joppatowne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 30 3.0% $1235
$500 to $749 13 1.0% $1910
$750 to $999 347 35.0% $2660
$1,000 to $1,499 371 38.0% $3785
$1,500 or more 215 22.0% $5435

Rent Affordability in Joppatowne:

Approximately 44.0% (446) of households are spending more than 35% of their income on gross rent in Joppatowne

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 28 2.0%
15.0 to 19.9 percent 221 22.0%
20.0 to 24.9 percent 239 23.0%
25.0 to 29.9 percent 50 5.0%
30.0 to 34.9 percent 14 1.0%
35.0 percent or more 446 44.0%

Protective device discount in Joppatowne Up to :  $21

Claims-free discount in Joppatowne Up to :  $28