Maryland Home Insurance Quotes
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Call Us Now: 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 |
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| Apr 2013 | Mar 2013 | Feb 2013 | Jan 2013 | Dec 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 1 | Home 2 | Home 3 | Home 4 | Home 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 |
Standard Maryland Home Insurance Coverages
| 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. |
Maryland Homeowners Insurance News
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Hail leaves St. Louis residents assessing damageMonday, April 30, 2012
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Maryland bill would ban mandated insurance bundlingTuesday, March 27, 2012
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Maryland fire destroys home, antique vehiclesWednesday, December 14, 2011
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Maryland fire kills one child, wounds three othersThursday, January 20, 2011
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Heavy summer thunderstorm causes damage across D.C.Monday, July 26, 2010
Other Maryland Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Maryland home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Maryland
- Maryland Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Maryland county:
Customer Reviews in Maryland
For additional information about specific insurance laws in Maryland, visit the Maryland Insurance Administration website.
