Ellicott City Insurance Rates:

Ellicott City, MD homeowners insurance is approximately $652 to $885, about $54-$73/month. Our comprehensive guide shows customers can save as much as $307 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Tips to Save Money on Homeowners Insurance in Ellicott City, MD

According to the research conducted by VHome, the average cost of homeowners insurance is $1780. Home insurance plays a significant role as it protects your finances in case of any repair, loss, or damage to the house.

Therefore, the home insurance rates may vary depending on certain factors like coverage type, deductible, house age, or the material used to build your house. Other than that, homeowners in Ellicott City can avail of discounts offered by different insurance companies to reduce the rates further.

Before that, check out the cost of different deductibles in Ellicott City, MD.

Tips_to_Save_Money_on_Homeowners_Insurance_in_Ellicott_City_MD

Deductible for home insurance is the amount of money you agree to pay before you can make a claim with your provider. Once the homeowner files a claim and meets their deductible, the insurance company pays the remaining balance up to their policy limit.

Deductible for home insurance in Ellicott City may range from $1758.64 to $1278.04, depending on the deductible the policyholder has opted. Ellicott City homeowners paying a high deductible of $2500 can avail of home insurance for $1278.04, whereas Ellicott City homeowners paying a deductible of $1500 and $2000 can avail of home insurance for $1497.69 and $1359.56, respectively.

Discounts based on the Age of the Home

The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.

Homes with 40 or 50 years in Ellicott City pay a premium of $1826.28 and $1847.64, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Ellicott City can avail of lower insurance of $1424.

Discounts based on the materials used

Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.

For instance, homes built with fire resistive brick are offered at a premium of $1530.8 in Ellicott City, whereas homes built with Masonry and Brick are offered at a premium of $1691. Thus, the premium charged will be higher if you use low-quality materials to construct your house.

Ellicott City, MD Homeowners Insurance By Home Value

Ellicott City, MD Home Value Total Homes % of Total Average Ellicott City, MD Homeowners Insurance
$175,000 to $199,999 106 2.0% $276
$200,000 to $249,999 584 13.0% $330
$250,000 to $299,999 804 17.0% $407
$300,000 to $399,999 2,812 62.0% $522

Top Home Insurance Agents Near Ellicott City, MD

Home Insurance Company Near Ellicott City, MD Homeowners Insurance Agency Near Ellicott City, MD Address
State Farm Bill Carver Jr 6863 New Hampshire Ave, Takoma Park, MD, 20912-4816
State Farm Krist Salmi 11002 Veirs Mill Rd, Wheaton, MD, 20902-2538
State Farm Sandi Bausman 2897 PS Business Center, Woodbridge, VA, 22192-4227
State Farm William Barbour 585 Grove Street, Herndon, VA, 20170-4791
Allstate Yulmi Sanchez 2416 Blueridge Ave Ste 100, Wheaton, MD, 20902

Ellicott City, MD Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Ellicott City, MD

Streets in Ellicott City Area Homeowners Insurance Cost
Reynard Dr, Pebble Branch Rd, Cabachon Ct, Ligon Rd, Cornflower Ct, Restmor Knoll, Springfield Dr, Oak Lea Ct, Sarahs Ln, Eagles Landing Ct$786
Shady Path Pl, Burnside Dr, The Oaks Rd, Greenlow Ct, Kingscup Ct, Evergreen Way, Gretchen Nicole Ct, Hannon Ct, Old Valley Ct, Brampton Pkwy$780
Folkestone Way, Hidden Haven Ct, Zuni Ct, Queens Camel Ct, Cedar Post, Peace Pipe Ct, Hickorymede Dr, Summer Hill Dr, Mintz Ln, Hereford Valley Trl$767
New Hampton Ln, Rockburn Hill Rd, Cameron Ct, Brian Ct, Kettledrum Ct, Ellis Ln, Sykesville Rd, Sarahs Ln, Ellicott Center Dr, Parkvale Rd$798
Tower Hill Ct, Melba Rd, Jerseybelle Ct, Threshfield Ct, Rolling Meadows Rd, Tiber Falls Dr, Hillingdon Rd, Woodgate Ct, Rollingtop Rd, Laureloak Ct$752
Windflower Ct, Glenbrook Dr, Bexley Dr, Seabird Way, Decker Way, Red Dahlia Dr, Golf Island Rd, Plum Hill Ct, Lamott Ct, Burlington Ln$775
Linwood Dr, Toll House Rd, Morning Ride Ct, Samuel Joy Way, Carlee Run Ct, Bristol Channel, Culverene Dr, Webbed Foot Way, Valley Ln, Manor Ln$796
Castlehill Ct, Benson Branch Rd, Flagstone Ct, Robin Hood Ct, Whitetail Ln, Merlin Ct, Firefly Way, Hawthorne Ct, Pebble Beach Dr, Bucks County Ct$809
Louanne Ct, Harrow Dr, Hollowood Ct, Rope Maker Dr, Graceland Ct, Isabels Way, Horseshoe Rd, Harbin Ct, Pinehurst Ct, View Top Rd$778
Wallington Way, Normandy Dr, Fairway Dr, Spruce Way, Edgar Rd, Rawcliffe Ct, Rosemary Ln, Maryland Ave, Alice Ave, Fawn Run Ct$749

Ellicott City, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Ellicott City$114 to $117
Catonsville$107
Woodlawn$103
Howard County$112

Ellicott City, MD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Catonsville CDP, Maryland $107 $143 $215
Woodlawn CDP (Baltimore County), Maryland $104 $138 $207
Howard County, Maryland $112 $149 $224

Ellicott City, MD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Ellicott City, MD2.3%8.3%
Catonsville3.12%11.01%
Woodlawn3.39%12.37%
Howard County2.44%8.34%

Ellicott City Renters Insurance as a Percentage of Rent

Ellicott City Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 83 1.0% $300
$500 to $749 122 2.0% $1875
$750 to $999 370 6.0% $2625
$1,000 to $1,499 3,240 56.0% $3750
$1,500 or more 1,867 32.0% $5400

Average Cost Of Home Insurance By Company In Areas Nearby Ellicott City For Different Scenarios

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
440,000 500 Frame 45 Amica Mutual Insurance Co. 1,758
580,000 1,000 Frame 15 Donegal Mutual Insurance Co. 1,367
480,000 500 Frame 35 Garrison Property & Casualty Ins. Co. 1,976
440,000 500 Frame 45 Safeco Insurance Co. Of America 544
530,000 1,000 Masonry 25 Safeco Insurance Co. Of America 816
480,000 500 Frame 35 State Auto Property & Casualty Ins. Co. 1,090
480,000 500 Frame 35 Unitrin Auto & Home Insurance Co. 1,237
480,000 500 Frame 35 Unitrin Direct Property & Casualty Co. 1,654
530,000 1,000 Masonry 25 Universal North America Insurance Co. 1,450
580,000 1,000 Frame 15 Universal Property & Casualty Ins. Co. 1,869

Ellicott City, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Ellicott City Homeowner Insurance Premium Example $5,200$4,700
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 4 years + Out of Pocket Expense for Claim $21,400$20,400
Net Savings to Ellicott City Home Owner from High Deductible Plan $1,000

Ellicott City, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ellicott City, MD Home Replacement Value MORE than Home Value Ellicott City, MD Home Replacement Value LESS than Home Value
Replacement Value $762,500 $548,500
Insurance Premium based on Replacement Value $3,200 $2,300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $120,500 Risk Exposure from Under Insuring Coverage is $93,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $500/year

Example Ellicott City Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyState Farm
Monthly Premium 146225250
Year Built 199720101982
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $500000-$600000$400000-$500000More than 10000000
Deductible $2500-$5000 Deductible$500 Deductible> $10,000 Deductible

Sample Home Insurance Rates for Ellicott City, MD from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1971 760,000 Composition Roof 2,640 4 > $10,000 Deductible 500 3 Vinyl siding No
2007 765,000 Metal Roof 3,350 4 $1000-$2500 Deductible 2780 9 Wood siding yes
1998 560,000 Membrane Roof 1,920 5 $2500-$5000 Deductible 1180 9 Stone Siding yes
1973 980,000 Wood Shake Roof 4,140 5 $500 Deductible 880 2 Fiber-Cement Siding yes
2011 525,000 Asphalt Shingles Roof 1,810 4 $1000-$2500 Deductible 1170 6 Stucco siding yes
1971 420,000 Metal Roof 1,960 3 $500 Deductible 1600 9 Stucco siding No
1997 570,000 Membrane Roof 2,880 5 $500 Deductible 800 3 Vinyl siding No
2011 495,000 Tile Roof 1,830 3 $2500-$5000 Deductible 460 3 Stucco siding yes
1997 550,000 Asphalt Shingles Roof 1,990 5 $500 Deductible 1650 9 Fiber-Cement Siding yes
2000 500,000 Wood Shake Roof 2,460 4 $5000 to $10,000 Deductible 160 1 Vinyl siding yes
1994 770,000 Tile Roof 2,620 5 > $10,000 Deductible 1110 7 Vinyl siding No
1983 515,000 Asphalt Shingles Roof 2,230 3 $5000 to $10,000 Deductible 800 6 Vinyl siding No
1984 360,000 Wood Shake Roof 1,710 3 $500- $1000 Deductible 680 5 Wood siding No
2000 365,000 Asphalt Shingles Roof 1,480 3 $1000-$2500 Deductible 670 9 Stucco siding No
1980 660,000 Composition Roof 2,460 4 $2500-$5000 Deductible 1850 10 Stucco siding yes
2011 630,000 Slate Shingles Roof 2,300 4 $2500-$5000 Deductible 810 4 Stucco siding yes
1984 330,000 Membrane Roof 1,420 3 $1000-$2500 Deductible 760 7 Stone Siding No
1979 515,000 Asphalt Shingles Roof 2,350 5 $1000-$2500 Deductible 1330 7 Wood siding yes
2004 765,000 Composition Roof 2,760 4 $2500-$5000 Deductible 1040 5 Vinyl siding yes
2013 360,000 Shingles Roof 1,320 3 > $10,000 Deductible 370 4 Wood siding No
1988 400,000 Composition Roof 1,560 3 $1000-$2500 Deductible 1710 9 Wood siding yes
2008 565,000 Shingles Roof 2,200 4 $500 Deductible 1550 9 Stucco siding No
1975 670,000 Composition Roof 2,570 4 $500 Deductible 430 2 Brick siding No
1988 950,000 Membrane Roof 4,000 5 $2500-$5000 Deductible 2140 7 Vinyl siding No
1972 305,000 Asphalt Shingles Roof 1,520 3 $2500-$5000 Deductible 840 10 Brick siding yes
1978 385,000 Wood Shake Roof 1,630 5 > $10,000 Deductible 600 7 Stucco siding yes
2012 880,000 Asphalt Shingles Roof 3,400 4 $5000 to $10,000 Deductible 2950 12 Stucco siding No
1995 445,000 Wood Shake Roof 1,770 5 $500- $1000 Deductible 1490 10 Wood siding yes
1981 755,000 Composition Roof 2,620 5 $1000-$2500 Deductible 1910 7 Stone Siding yes
2009 695,000 Wood Shake Roof 2,650 4 $5000 to $10,000 Deductible 620 3 Stucco siding No
1999 750,000 Composition Roof 2,710 4 $500 Deductible 2530 9 Stucco siding No
2009 735,000 Composition Roof 2,790 4 $1000-$2500 Deductible 510 2 Vinyl siding No
2014 630,000 Composition Roof 2,640 5 $1000-$2500 Deductible 820 4 Stucco siding No
1992 545,000 Slate Shingles Roof 2,300 3 $2500-$5000 Deductible 1430 8 Fiber-Cement Siding No

Latest Home Insurance Reviews

State Farm
I recommend this company because they have great customer service, good prices, and they can bundle your insurance to make the cost even lower than the original pricing.
The Hartford
I would have to rate them a five. While I have not actually filed a claim, I have contacted them with questions about what would and wouldn't be covered in specific situations.
Erie Insurance
I would recommend my current insurance company to anyone. Their customer service is fantastic, rates are competitive and I always feel like I am a priority to them.
State Farm
i am completely satisfied with my home insurance company. They have been reealy good about explaining the terms of agreements and other concepts. they cover most, if not, all of my belongings.
State Farm
I haven't had any problems with the customer service regarding my home owners insurance with State Farm. I have not had any claims, but in dealing with them at setting up.they have been great.
Allstate
I have had good experience with my Home Insurance company. I would give them a 4 out of 5 stars
Usaa
I wish the deductibles you have to pay were a bit cheaper, but I guess they have to make up for the cost somewhere else since the payments are cheaper in comparison to other insurance companies.
Geico
I like that my insurance company is a well known and widely trusted brand. i know that i am not getting scammed.
State Farm
Although i have fortunately not had to make a claim on my policy, i would assume that the claims process is easy and that the company works to quickly resolve the claim.
Usaa
Caters to the military. great customer services. easy claim process
Liberty Mutual
The company is friendly, helpful, and their rates are good. I don't have any complaints. The response time to claims or phone calls in my experience has been better than any home insurance company I had before.
Metlife
MetLife is easy to work with. I have done everything online or over the phone. One thing I would like is a local office if ever needed, but they make it pretty easy via email and website interaction if needed.
Liberty Mutual
WHAT I LIKE ABOUT USAA IS THE SERVICE LEVEL THAT THEY PROVIDE FOR ITS CUSTOMERS. I FEEL LIKE I CAN TRUST THEM ANF KNOW THA TIM NOT BEING TAKEN ADVANTAGE OF.
State Farm
I really have only had the insurance policy in this house and never had one before. Our home was complete remodel when we bought it and we were previously renting. We could not get insurance through the carrier that we had our car insurance through so we were referred to State Farm. I really do not have any information about the premiums charged by other companies.
Safeco Insurance
Our personal agent, "Tony", is always available. When my daughter was involved in a rather serious car accident, he drove to the scene to help her with her needs. He followed up with her while she was in the hospital and made sure her car was properly, and quickly, repaired. And, as the car was being towed to the shop, he arranged a rental car to be delivered to our house. Truly one of the greatest examples of customer service not being used as an oxymoron.
Usaa
There really is not much to complain bout with USAA. The only improvement I could see is that the older generation would have more ease with their services if they had an actual office in town. This does not bother me though.
Usaa
I would highly recommend USAA for someones health insurance. They have great rates and many other services all in one that you also need to survive.
Erie Insurance
the affordabilty alone makes erie worthwhile, but anytime i have a question or concern my agent answers the phone. no automated system or online confusion

How To Make Your Ellicott City, MD Home Insurance Cheaper

How Much Does Ellicott City, MD Home Insurance Cost?