Reisterstown Insurance Rates:

Reisterstown, MD home insurance is roughly $593 to $804, about $49-$67/month. Our comprehensive research indicates shoppers can save as much as $279 by getting many quotes

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Reisterstown, Maryland Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Reisterstown Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $520/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1490 sqft Vacation Property Constructed In 2013 with Carpet over wood flooring, Metal Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1160/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Bath 1770 sqft Seasonal Residence Constructed In 1983 with Carpet Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1040 sqft Rental Property Constructed In 1974 with Carpet Flooring, Metal Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Bath 3380 sqft Rental Property Constructed In 1978 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 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 $930/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Bath 1890 sqft Primary Residence Constructed In 2014 with Stone Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1220/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Baths 2050 sqft Primary Residence Constructed In 2007 with Wood Flooring, Composition Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 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 :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1440/8 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $530,000

5 Beds, 5 Baths 4290 sqft Seasonal Residence Constructed In 2002 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Married Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 2040 sqft Vacation Property Constructed In 1974 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $960/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

2 Beds, 2 Bath 1610 sqft Primary Residence Constructed In 1979 with Hardwood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Single Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Reisterstown, MD Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
21136 $296,300 $720

Reisterstown Rates & Quotes Analysis:

Reisterstown Area Estimated House Insurance
Pegasus Ct, Kendigs Mill Rd, Belmont Ave, Erin Way, Cockeys Mill Rd, Fox Run Ct, Bentley Park Ln, Empire Ct, Terry Town Dr, Black Oak Ct$706
Thorden Rd, Homevale Rd, Cherry Manor Ct, Granleigh Ct, Augustus Ct, Holly Hill Ct, Clarks Ln, Benton Woods Ln, Black Cherry Ct, Carolstowne Rd$697
Flemingham Ct, Westminster Rd, Bond Ave, Austin Rd, Greenview Ave, Shirley Ave, Thompson Ave, Log House Way, Eastview Dr, Belmont Rd$706
Woodhill Dr, State Hwy 30, Joshua Tree Ct, Presgraves Rd, Hanover Pike, Cork Ln, Highfalcon Rd, Johnsborough Way, Tidyman Rd, Bridgeport Ct$709
Chartley Park Rd, Hammershire Rd, Tarragon Rd, Hammond Ave, W Cherry Hill Rd, Victoria Ct, Browwood Rd, Freshman Ct, Kingsbury Rd, Moser Ln$707

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,979 Homes (18% of total) built between 1970 to 1979 in Reisterstown are paying home insurance between $1,132-$1,143 in contrast with Pikesville (+$26), Eldersburg (+$53), Mays Chapel (+$55), Milford Mill (-$11) and Lochearn (-$17).
  • Bedrooms: 3,737 3 bedrooms homes (35% of total homes ) in Reisterstown are paying about $399 and differs from Garrison (+$3), Pikesville (+$9), Eldersburg (+$18), Owings Mills (-$4) and Lochearn (-$6).
  • Auto Insurance Bundling: 1,165 Households (20% of all households) in Reisterstown have 3 or more vehicles available and when it is bundled with home insurance you can save $174. Discounts for similar bundling in close by locations such as Owings Mills, Garrison, Randallstown come to $176, $176, $175 respectively.
  • Senior Discounts: 2,415 seniors (more than 55 years) occupied housing units (41% of total) in Reisterstown get discounts between $104 to $107. The comparative concessions in proximate regions such as Owings Mills, Pikesville and Milford Mill are $105, $107 and $103 respectively.
  • New Homes discounts: New homes such as the 4,149 homes built between 2000 to 2009 in Reisterstown can save $139 and similar new home insurance discounts in nearby towns and cities like Owings Mills, Garrison and Randallstown are $140, $140 and $140 respectively.

Reisterstown Homeowners insurance Facts

  • Reisterstown, MD has 5,783 owner occupied houses which is 56.9% of all units whereas Owings Mills, Garrison and Randallstown have 45.02%, 58.27% and 74.4% respectively.
  • Reisterstown, MD homeowners yearly insurance price at $699 is 0.28% of the typical house value of $253,200 which is in contrast with 0.26% in Owings Mills, 0.26% at Garrison & 0.27% in Randallstown.
  • Homeowners in Reisterstown, MD pay 1.04% of their income ($60,000 to $74,999) in insurance whereas homeowners in Owings Mills, Garrison and Randallstown pay 1.04%, 1.04% and 1.04% respectively.
  • Reisterstown, MD’s insurance is 3.2% of monthly housing costs of $1,851/month, for owners with a mortgage compared to 2.74% in Owings Mills, 3.23% at Garrison & 2.97% in Randallstown. But, for households without a mortgage, insurance is 12.2% of costs ($477 in Reisterstown, MD) in contrast with 9.22% in Owings Mills, 7.9% at Garrison & 11.09% in Randallstown.

Reisterstown, MD Home Values & Insurance rates

For example, insurance for 808 Homes (16.0% of total homes ) valued between $300,000 to $399,999 in Reisterstown, MD is about $964. Rates in nearby areas in such as Owings Mills, Garrison, Randallstown are cheaper by $70, $63, $19 respectively while Milford Mill and Lochearn are costlier by $101 and $150 respectively for similar homes.

Reisterstown, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 77 1.0% $62
$90,000 to $99,999 64 1.0% $258
$100,000 to $124,999 246 4.0% $300
$125,000 to $149,999 205 4.0% $377
$150,000 to $174,999 338 6.0% $447
$175,000 to $199,999 276 5.0% $517
$200,000 to $249,999 1,540 30.0% $622
$250,000 to $299,999 1,408 28.0% $754
$300,000 to $399,999 808 16.0% $964

Renters Insurance in Reisterstown

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

  • Median Gross Rent in Reisterstown :  $1,091

  • Reisterstown Renters Insurance to Median Rent Ratio:  1.01%

  • Average household size of renter-occupied unit :  2.48

Reisterstown Renters Insurance as a Percentage of Rent

Reisterstown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 54 1.0% $335
$200 to $299 62 1.0% $785
$300 to $499 171 4.0% $1235
$500 to $749 335 7.0% $1910
$750 to $999 954 22.0% $2660
$1,000 to $1,499 2,308 54.0% $3785
$1,500 or more 388 9.0% $5435

Rent Affordability in Reisterstown:

Approximately 49.0% (2,156) of households are spending more than 35% of their income on gross rent in Reisterstown

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 271 6.0%
15.0 to 19.9 percent 461 10.0%
20.0 to 24.9 percent 464 10.0%
25.0 to 29.9 percent 710 16.0%
30.0 to 34.9 percent 317 7.0%
35.0 percent or more 2,156 49.0%

Protective device discount in Reisterstown Up to :  $21

Claims-free discount in Reisterstown Up to :  $28