Salisbury Insurance Rates:

Salisbury, MD home insurance is approximately $572 to $776, about $47-$64/month. Our extensive research indicates shoppers can save upto $269 by getting different quotes

Compare Quotes from Top Providers and Save now!

Read Salisbury, Maryland Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

Salisbury Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $310/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Bath 1760 sqft Rental Property Constructed In 1997 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $400/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1948 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $570/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

5 Beds, 5 Baths 2930 sqft Seasonal Residence Constructed In 1966 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $380/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1160 sqft Vacation Property Constructed In 1997 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $250/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1060 sqft Rental Property Constructed In 1961 with Carpet Flooring, Metal Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 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 Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $100/5 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 930 sqft Primary Residence Constructed In 2012 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $500/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

5 Beds, 5 Bath 3810 sqft Vacation Property Constructed In 1989 with Linoleum, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1340 sqft Vacation Property Constructed In 1987 with Stone Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $130/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 1810 sqft Rental Property Constructed In 1988 with Stone Flooring, Membrane Roof, Slab Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1990/10 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2947 sqft Primary Residence Constructed In 1987 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 550-599 Credit Score

  • Seniors staying at home

Salisbury, MD Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
21801 $218,100 $700
21804 $178,200 $690

Salisbury Rates & Quotes Analysis:

Salisbury Area Estimated House Insurance
Robin Hood Dr, Beaglin Park Dr, Elizabeth St, Caroline St, Wilson Ln, Center St, Ellen St, Haneys Branch Rd, N Cedar Way, Co Rd 426$681
Cadagon St, Druid Hill Ave, Clyde Ave, Highland Ave, Harrison St, W Vine St, Dagsboro Rd, Engle Dr, Crestwood Cir, Merrimac Ct$675
Irl Ln, Friar Tuck Ln, Holly Ridge Ct, Victoria Park Dr, Washington St, Westchester St, Foskey Ln, Forest Grove Rd, Nina Ln, Stone St$673
Elizabeth St, Powell Rd, West Rd, Calvin Dr, Patey Ln, Phillips Ave, Fred Adkins Rd, E Carroll St, Camelot Dr, Early Dawn Ct$679
Gurney Dr, Chapel St, W East St, E College Ave, Archid Dr, Marvel Rd, Riverside Pines Ct, Hanton Ave, Hampton Ct, Halsey Dr$690
Lexington St, Brantley Dr, Riverview Ave, Hammond School Rd, Marley Manor Dr, Brookwood Dr, Coulbourn Mill Rd, E Market St, Elton Dennis Rd, Beaglin Park Dr$677
Sherwood Cir, Fillmore St, Poplar St, Mount Hermon Rd, Louise Ave, Augusta Cir, King Stuart Dr, Cartwright Ave, Friendship Rd, Crestview Ln$702
Carver Sq, Burnt Branch Dr, Twelve Oaks Dr, S Schumaker Dr, S Park Dr, Burton St, Colonial Mill Dr, Deers Head Blvd, Granbys Run, US Hwy 13$682
Hickory Mill Rd, Tilghman Rd, Allen Dr, American Legion Rd, Beaglin Park Dr, Old Quantico Rd, State Hwy 12, Shady Creek Way, Saint Albans Dr, Christensen Ln$703
Craven Ct, Lowell Ave, Old Bridge Ln, E North Point Dr, Marshall St, White Lowe Rd, Flamingo Dr, Newton St, Washington St, Jerome Dr$673

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,766 Homes (13% of total homes ) built between 1970 to 1979 in Salisbury are paying home insurance between $1,091-$1,101. Places close to Salisbury, MD such as Wicomico County, Delmar(DE), Laurel-Delmar(DE) are more expensive by $13, $122, $148 respectively while Eden and Allen are cheaper by $35 and $70 respectively for similar homes.
  • Bedrooms: 5,384 3 bedrooms homes (41% of total homes ) in Salisbury are paying about $384 and differs from Wicomico County (+$5), Parsonsburg (+$3), Delmar(DE) (+$65), Eden (-$12) and Willards (-$8).
  • Auto Insurance Bundling: 655 Households (15% of all households) in Salisbury have 3 or more vehicles available and when it is bundled with home insurance you can save $168 in contrast with Wicomico County ($170), Fruitland ($168), Delmar ($168).
  • Senior Discounts: 2,079 seniors (more than 55 years) occupied housing units (48% of total) in Salisbury get discounts between $100 to $103. The comparative concessions in proximate regions such as Wicomico County, Fruitland and Parsonsburg are $102, $100 and $101 respectively.
  • New Homes discounts: New homes such as the 5,595 homes built between 2000 to 2009 in Salisbury can save $134 and similar new home insurance discounts in nearby towns and cities like Wicomico County, Fruitland and Delmar are $136, $134 and $134 respectively.

Salisbury Homeowners insurance Facts

  • Salisbury, MD has 4,299 owner occupied houses which is 36.9% of all units whereas Wicomico County, Fruitland and Delmar have 63.51%, 57.51% and 45.94% respectively.
  • Salisbury, MD homeowners yearly insurance price at $673 is 0.42% of the typical house value of $160,800 which is in contrast with 0.36% in Wicomico County, 0.42% at Fruitland & 0.42% in Delmar.
  • Homeowners in Salisbury, MD pay 1.0% of their income ($60,000 to $74,999) in insurance whereas homeowners in Wicomico County, Fruitland and Delmar pay 1.01%, 1.0% and 1.0% respectively.
  • Salisbury, MD’s insurance is 4.0% of monthly housing costs of $1,397/month, for owners with a mortgage compared to 3.82% in Wicomico County, 3.82% at Fruitland & 4.0% in Delmar. But, for households without a mortgage, insurance is 11.4% of costs ($494 in Salisbury, MD) in contrast with 11.75% in Wicomico County, 10.46% at Fruitland & 11.4% in Delmar.

Salisbury, MD Home Values & Insurance rates

For example, insurance for 716 Homes (17.0% of total homes ) valued between $100,000 to $124,999 in Salisbury, MD is about $457. Rates in nearby areas in such as Wicomico County, Parsonsburg, Mardela Springs are cheaper by $63, $37, $44 respectively while Hebron and Delmar are costlier by $7 and $111 respectively for similar homes.

Salisbury, MD Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 147 3.0% $100
$70,000 to $79,999 125 3.0% $309
$80,000 to $89,999 178 4.0% $349
$90,000 to $99,999 83 2.0% $397
$100,000 to $124,999 716 17.0% $457
$125,000 to $149,999 563 13.0% $572
$150,000 to $174,999 704 16.0% $679
$175,000 to $199,999 459 11.0% $780
$200,000 to $249,999 628 15.0% $942
$250,000 to $299,999 293 7.0% $1150
$300,000 to $399,999 219 5.0% $1460

Renters Insurance in Salisbury

  • Average Renters Insurance in Salisbury :  $193($16/month)

  • Median Gross Rent in Salisbury :  $958

  • Salisbury Renters Insurance to Median Rent Ratio:  1.67%

  • Renter occupied housing units in Salisbury :  7,367

Salisbury Renters Insurance as a Percentage of Rent

Salisbury Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 117 1.0% $348
$200 to $299 121 1.0% $798
$300 to $499 459 6.0% $1248
$500 to $749 1,013 14.0% $1923
$750 to $999 2,430 33.0% $2673
$1,000 to $1,499 2,299 32.0% $3798
$1,500 or more 736 10.0% $5448

Rent Affordability in Salisbury:

Approximately 53.0% (3,952) of households are spending more than 35% of their income on gross rent in Salisbury

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 641 8.0%
15.0 to 19.9 percent 645 8.0%
20.0 to 24.9 percent 603 8.0%
25.0 to 29.9 percent 1,030 13.0%
30.0 to 34.9 percent 496 6.0%
35.0 percent or more 3,952 53.0%

Salisbury Renters Insurance Discounts:

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

Number of Vehicles in Salisbury, MD Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,363 45.0% $19.3
2 vehicles available 1,676 22.0% $28.95
3 or more vehicles available 755 10.0% $38.6

Protective device discount in Salisbury Up to :  $28

Claims-free discount in Salisbury Up to :  $38