Maryland Homeowners Insurance

Finding homeowners insurance doesn’t need to be complicated. Compare rates from Maryland by city and company below.

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How to find cheap home insurance in Maryland


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Homeowners insurance protects your dwelling and property in the event of a variety of calamities, including wind damage, fire, theft, vandalism, and others.

Unlike car insurance, home insurance isn't controlled by state legislation. Even so, there are major differences in homeowners insurance costs on a state-by-state basis. Home insurance policy costs by state may differ depending on the value and number of homeowners policy claims filed across the state, and depend on the value of the dwelling and belongings being insured.

The easiest way to acquire an affordable homeowners insurance policy in Maryland is to shop around and compare rates from as many insurance companies as you can. Learn homeowners insurance costs in Maryland by referencing the below data. Remember: your rates may differ, depending on your coverage limits.


Homeowners insurance in Maryland:
  1. Rates by company
  2. Costs by city
  3. How to bundle home and auto insurance
  4. FAQs

Homeowners insurance prices in Maryland by insurance company

Prices for home insurance in Maryland will vary based on the insurance company you select. Brethren Mutual underwrites the most affordable home insurance in Maryland, at just $694 each year. This compares favorably to the state average cost of $1,211, offering a $517 discount on average policy costs statewide.

Begin your search for affordable coverage by reviewing the best Maryland home insurance carriers, listed below.


HOMEOWNERS INSURANCE RATES IN MARYLAND: BY CARRIER
Insurance CompanyAverage 12-Month Rate in Maryland
Brethren Mutual$694.19
Travelers$826.14
State Farm$895.64
Erie$1,019.09
USAA$1,196.77

Maryland home insurance prices: by city

Not every city in Maryland has equal home insurance costs. Pricing depends on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The best homeowners insurance in Maryland is available in Potomac. The average homeowners insurance policy in Potomac runs only $937 annually — $274 less than the average policy in other Maryland cities. Reference the below table to see the cheapest cities in Maryland for home insurance.


CHEAPEST HOME INSURANCE CITIES IN MARYLAND
CityAverage Annual Home Insurance Rate
Potomac$936.71
Bethesda$936.88
North Bethesda$941.00
Rockville$946.58
Aspen Hill$952.75

Money-saving tip: bundle home and auto insurance in Maryland

If you're trying to save, consider purchasing both your car and home insurance policies from one company. Bundling auto and homeowners insurance in Maryland can lead to substantial savings on your auto insurance bill. Purchasing bundled policies in Maryland results in a yearly discount of $109.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN MARYLAND
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,304.00$1,195.00$109.009%

A great way to save is to bundle your auto and homeowners insurance policies. Start shopping today!


Looking for information on home insurance in a specific city?

  1. Baltimore

Maryland homeowners insurance FAQs


Is homeowners insurance required in Maryland?

The state of Maryland does not require you to have homeowners insurance, but it's likely your lender will require it.

Does GEICO do homeowners insurance in Maryland?

GEICO does offer homeowners insurance in the state of Maryland.






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