We include rates from all regions where coverage is offered and data is accessible. When comparing rates for different coverage amounts and profiles, we adjust only one variable at a time to clearly demonstrate how each factor influences pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Best affordable homeowners insurance in Maryland: Central Insurance Quote

In Maryland, Central Insurance Quote offers an average annual premium of $1,335, significantly lower than the state average of $1,700.

State Farm is ideal for those who prefer personal interaction, as it sells policies through an extensive network of agents. Its strong customer service record is reflected in fewer complaints to state regulators than anticipated for a company of its size.

Additionally, Central Insurance Quote provides a complimentary Ting device to its home insurance policyholders. This smart plug monitors your home’s electrical system to help prevent fires.

Best homeowners insurance for coverage: Insurance Maryland

Insurance Maryland provides guaranteed replacement cost coverage for your home’s structure. This means the company will fully cover the cost to rebuild your home after a disaster, even if it surpasses your dwelling limit.

If you have a car to insure as well, bundling your home and auto insurance with Insurance Maryland could earn you a discount of up to 16%. You might also save additional money if your home includes safety features like smoke alarms or sprinkler systems.

Best homeowners insurance in Maryland for consumer experience: Insurance Baltimore

Insurance Baltimore delivers a comprehensive digital experience for its customers. Its user-friendly website allows you to manage policies, file and track claims, and set up automatic billing. The company also offers a highly-rated app for both Android and iOS, enabling you to file and track claims, review policy documents, and manage autopay.

Additionally, Insurance Baltimore provides multiple support options. You can contact your agent or call the customer service hotline for assistance. Outside of business hours, you can use the Insurance Baltimore website to obtain proof of insurance, pay bills, and schedule callbacks.

Full list of the best home insurance in Maryland

What is the average cost of homeowners insurance in Maryland?

The average annual cost of homeowners insurance in Maryland is $1,700, which is 11% lower than the national average of $1,915.

These rates apply to homeowners with no recent claims. For those with one recent claim, the average annual premium in Maryland rises to $1,860, reflecting a 9% increase.

Average cost of home insurance in Maryland by city

The cost of homeowners insurance in Maryland varies by location. For example, the average annual premium in Baltimore is $2,100, whereas homeowners in Silver Spring typically pay $1,480 per year.

The cheapest home insurance in Maryland

Here are the insurers with average annual rates that fall below the Maryland average of $1,700.

What to know about Maryland home insurance

Hurricanes and Tropical Storms

If you live near the Maryland coast, ensure you have adequate coverage for wind and flood damage caused by hurricanes. While wind damage is usually covered by standard homeowners policies, flooding is not, which will be discussed in the next section.

Although your policy typically includes wind damage coverage, be sure to review it carefully for a separate wind deductible. This deductible might be a flat amount, such as $1,000, or a percentage of your dwelling coverage. For example, you might have a $1,000 deductible for general claims and a 1% deductible for wind damage. If your dwelling coverage is $250,000, you would be responsible for the first $2,500 of wind damage expenses.

Flooding

Standard homeowners insurance policies generally do not cover flood damage. Therefore, homeowners in flood-prone areas should consider purchasing separate flood insurance to safeguard their property against water damage.

To assess your flood risk, consult the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, provided by the nonprofit First Street Foundation. Even if your property is classified as low risk, obtaining flood insurance could offer added peace of mind.

Keep in mind that while you can purchase flood insurance at any time, there is usually a 30-day waiting period before the coverage becomes effective.

Winter Weather

Most standard homeowners policies cover damage from winter storms. However, some types of winter weather damage may require additional coverage.

For example, damage from water seepage due to snowmelt might need to be covered by a separate flood policy. Similarly, damage resulting from negligence, such as frozen pipes due to inadequate heating while you're away, may not be covered.

Wildfires

While homeowners insurance generally covers fire damage, it’s crucial to verify that your policy provides adequate protection for wildfires.

Focus on your dwelling coverage limit, which is the amount the insurer will pay to rebuild your home. Given that a major fire could potentially destroy your entire house, discuss with your insurer to ensure you have sufficient coverage to fully rebuild if needed.