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Maryland Home Insurance Quotes

Average home insurance rates, coverage and discounts information in Maryland.

Compare and save on
Maryland home insurance today.

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Year Built:
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Maryland home insurance shoppers face unique challenges - and HomeInsurance.com understands that. Here, you can compare up to six home insurance quotes with the leading providers in the country. Our team of licensed consultants will shop your Maryland Home insurance policy to make sure you are getting the best rate on the most comprehensive coverage. Qualify for discounts and then sit back, relax, and let us take care of the rest.

Our team of licensed agents will shop for your Maryland home insurance policy and help you get the best rate on the most comprehensive coverage. And we can help you get apples-to-apples comparisons for multiple MD insurance providers.

Get the Best Home Insurance Rates in MD

Homeowners in Maryland are paying around $716.00 for home insurance as of April of 2013. Rates have decreased since March when Maryland homeowners insurance premiums were approximately $723.00. The rate of $716/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.

Average Premiums for Home Insurance In Maryland
Apr 2013Mar 2013Feb 2013Jan 2013Dec 2012
$716.00$723.00$746.00$738.00$734.00

Though average Maryland homeowners insurance premiums have decreased, you should stay mindful of how much you are paying to insure your home - and where you can save. Taking advantage of discounts can keep your rates low and your coverage intact. The biggest savings can usually be found with a home-auto discount, which can save you around 20% on your Maryland policy. Other discounts may be offered for homes that have burglar alarms and deadbolt locks.

Enter your ZIP code in one of the forms above or call 1-877-919-5198 now to start getting Maryland home insurance quotes tailored to your needs. Our agents will work with multiple carriers to get you the best rates for your MD policy. They also will make sure you get every available discount. Potential discounts include the following:

  • Home-auto bundle. Save up to 20% by buying both coverages from the same provider.
  • Nonsmokers. Save up to 20% if no one in your households smokes.
  • New home. If your home was built within the past 10 years, you could save up to 20%.
  • 55 or older, retired. Save up to 20% - certain conditions apply.
  • Claims-free. Save up to 20% if you haven't filed any home insurance claims within the past 10 years.
  • Alarm systems. Save up to 10% if you have one. You'll need a certificate from your provider.
  • Fire/smoke detectors and deadbolt locks also could mean savings.

Discounts vary widely by provider. All discounts aren't available in every state.

See what your neighbors in Maryland are paying

Curious about how much you could save on your home insurance premiums? Here are details of the last five policies written in Maryland by HomeInsurance.com agents.

Premiums vary according to square footage, location, features of the home and other factors.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $807 $875 $861 $458 $895
Premium with Auto Discount $807 $875 $861 $458$761†
Carrier Foremost Liberty Mutual Foremost ASI Foremost
Zip 20745 21286 20746 20877 21230
Year Built 1994 2007
Foundation type Basement Slab
Lot Size N/A N/A N/A N/A N/A
Square Feet N/A N/A N/A N/A N/A
Bedrooms N/A N/A N/A N/A N/A
Bathrooms N/A N/A N/A N/A N/A
Discounts














Primary Heat Source Central Electric Central Gas
† Estimate if the homeowner had bundled coverages.

Standard Maryland Home Insurance Coverages

Coverage
A

Dwelling: A standard Maryland homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril

B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Maryland home insurance policy

C

Contents/Personal Property: A Maryland home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.

D

Loss of Use: If your Maryland home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.

E

Personal Liability Protection: In Maryland, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.

F

Medical Payments: Medical Payments coverage, or Maryland MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.

Other Maryland Homeowners Resources:

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Customer Reviews in Maryland

The top customer reviews on HomeInsurance.com service and savings in Maryland.
5 Star Rating
Savings: $2240/year
Customer: Kimberly D.
Date: Jan 13, 2012
Really great, cordial and professional service. Very informative and great rates! Thank you for making shopping for insurance such a pleasant experience.
Bel Air, MD
5 Star Rating
Savings: $400/year
Customer: Ursula C.
Date: Jan 13, 2012
Your insurance agents are very pleasent and knowledgeable!
Edgewood, MD
4 Star Rating
Savings: $300/year
Customer: Selia K.
Date: Sep 21, 2010
My agent was quick and efficient. I now have great home insurance!
Clinton, MD
4 Star Rating
Savings: $365/year
Customer: Liora R.
Date: Jul 29, 2010
This was the best insurance experience I have ever had....Thank you!!
Sykesville, MD
4 Star Rating
Savings: $1100/year
Customer: Dion R.
Date: Oct 27, 2009
Thanks, the service was great and I saved over $1000.
Frederick, MD
4 Star Rating
Savings: $179/year
Customer: Sahkeeta J.
Date: Sep 10, 2009
The representative was very easy to speak to and did not mind explaining the policy to me several times.
Parkville, MD
4 Star Rating
Savings: $343/year
Customer: Todd M.
Date: Aug 12, 2009
Thanks for your help and I saved some money on the way.
Barstow, MD

For additional information about specific insurance laws in Maryland, visit the Maryland Insurance Administration website.

Call now and speak to a licensed agent: 1-877-919-5198