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Find the Best Homeowners Insurance in Baltimore, MD

Home insurance is something most homeowners hope they never need, but they’re thankful for it when an accident occurs. The Baltimore Sun has partnered with ConsumerAffairs to create this guide by comparing the national ratings and local customer reviews of 43 businesses and choosing six favorites from the top home insurance companies in Baltimore.

Companies pay ConsumerAffairs to be authorized, and The Baltimore Sun and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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What to know about homeowners insurance in Baltimore

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Baltimore residents have many options for homeowners insurance brokers and providers. Finding the right homeowners insurance company depends on your specific property and risk factors.

Homeowners in Baltimore tend to select different policies, depending on what neighborhoods they live in. For example, people in Baltimore’s historic districts often rely on insurance to cover damages after storms. However, if you’re in a neighborhood where theft and vandalism are bigger concerns, you can get insurance to help cover the cost of repairing or replacing your property.

  • What homeowners insurance covers: Homeowners insurance covers the physical structure of your dwelling, along with other structures on your property, such as fences, driveways, garages and sheds. You can also cover the personal property inside your home, such as appliances, electronics, artwork, jewelry and furniture. Policies typically also cover damages caused by fire, natural disasters and vandalism. They can even cover your legal liability if someone who does not live in your home is hurt on your property.
  • What homeowners insurance doesn’t cover: Damages that are a result of neglect or a failure to maintain your home are usually not covered. Homeowners insurance also doesn’t cover appliances that have mechanical breakdowns or the cost of food that spoils because your power is out. It does not cover damages caused by pests, birds or rodents and general wear-and-tear on your home, either. Smoke damage also isn’t covered, which may be a concern if you live in an industrial area like Canton.

A general rule of thumb is that homeowners insurance is designed to cover natural, unpredictable and unexpected damages to your home. For example, a mid-Atlantic hurricane is natural, unpredictable and unexpected, but a poorly maintained plumbing system that bursts and floods the house is not.

Before you sign up for homeowners insurance, it’s important to read over your policy to make sure you understand what it covers and what it doesn’t.

Average home insurance costs in Baltimore

In Baltimore, homeowners insurance costs vary by neighborhood, but the average is around $90 per month, according to Trusted Choice. Homeowners insurance rates in Maryland are calculated based on:

  • Crime rates in your area
  • Weather patterns in your area
  • The age of your house
  • The value of your home
  • Your credit history
  • Your claims history

Out of the major Baltimore suburbs, home insurance is most expensive in Rockville ($102 per month) and Bethesda ($108 per month). Policies are more affordable areas like in Hagerstown ($72 per month) and Bowie ($78 per month).

When it comes to homeowners insurance, you usually get what you pay for. If you need comprehensive coverage on high-value property or items, expect to pay more than if you just need minimal coverage.

How to save on homeowners insurance in Baltimore

If you are looking for a homeowners insurance policy in Baltimore, you probably want to know how to make it more affordable. As you compare home insurance companies, pay attention to their A.M. Best and S&P Global ratings — companies with higher scores are more likely to get you the right coverage for the right value. We recommend comparing at least three different quotes.

Here are five more ways to get affordable homeowners insurance in Baltimore:

  1. Choose a policy with a higher deductible to make your monthly payments smaller.
  2. Bundle your insurance policies (home, car, pet, etc.) for discounts.
  3. Update your home security system. Some companies offer discounts for installing fire safety systems, too.
  4. Ask about discounts for seniors and military members, if you qualify.
  5. Improve your credit.

Baltimore homeowners insurance FAQ

How are homeowners insurance companies regulated in Maryland?

All insurance agents and brokers in Maryland must remain in compliance with the Maryland Insurance Administration. This is an independent state agency that regulates the insurance industry and protects both customers and insurance providers.

What are the different types of homeowners insurance?

There are eight different types of home insurance policy forms, with each one protecting and covering a different property class or type. For example, HO-1 is the most basic form, HO-3 is the most popular form and HO-8 is for homes that don’t meet traditional insurer standards.

How is home insurance calculated?

The amount you pay for home insurance depends on the value of your home, the age of your home, the crime rate in your area, weather patterns in your area, your credit history and your claims history.

What is dwelling coverage?

Dwelling coverage protects the actual physical structure of your home. This typically doesn't include exterior structures like sheds, garages or fences, though. It also does not cover the valuables inside your home.

What do I need to get homeowners insurance online?

Most insurance providers want your financial statements, your Social Security information and the address of the home you want to ensure.

Are older houses more expensive to insure in Baltimore?

Homes in historic areas like Fells Point typically cost around 20% more to insure than newer homes. Homeowners insurance is more expensive for older houses because they are typically more expensive to repair or renovate due to building codes and the building materials required.

Is homeowners insurance tax deductible?

No, you cannot deduct homeowners insurance from your federal tax returns in most cases.

Can I get homeowners insurance without an inspection in Maryland?

Not all insurance providers in Baltimore require an inspection to approve you for homeowners insurance. If you live in an older home or haven't had an inspection in over 10 years, your provider may require a basic inspection, although it is not federally mandated.

Baltimore homeowners insurance company information

Authorized Partner

Lemonade

With Lemonade, you can receive coverage for your dwelling, personal property and legal liability that includes additional living expenses if you’re displaced. The company uses information about you, your home and your property to estimate coverage and monthly premiums. Fill out a form online or in the company’s app to get a free quote. Lemonade offers discounts for customers who have home security and fire detection systems installed.

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EverQuote

EverQuote is an online marketplace that partners with large companies like Nationwide, Progressive and Liberty Mutual to connect customers with insurers. You can get various types of insurance, including home, condo and mobile home insurance with coverage for damage caused by floods and hurricanes.

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Allstate

Allstate is known for rewarding safe drivers with affordable insurance, but it also offers home insurance. Its House and Home policy includes dwelling converge, personal property coverage and liability protection. The Claim Rateguard feature protects you from increased rates after filing a claim, and the company offers discounts for installing theft and fire prevention devices. There are dozens of Allstate insurance agents in Baltimore, including Carlos Sanchez, who is located at 1609 Eastern Ave., Baltimore, MD 21231.

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Nationwide

Nationwide offers a wide range of home insurance policies to cover everything from theft to personal injury. Optional policy add-ons include flood insurance, identity theft protection and pet insurance. Nationwide provides a variety of discounts, including savings for living in a gated community and purchasing a home within the last 12 months. It has multiple insurance offices throughout Baltimore.

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AAA

AAA offers home, flood, umbrella and renters insurance. Policies cover the 16 most common perils, such as lightning, fire and freezing household systems. You must be a AAA member to qualify for homeowners insurance, and most clubs require you to buy auto insurance before getting home insurance. There are dozens of local AAA insurance offices in Maryland, including locations in Glen Burnie, Towson and Timonium.

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Kirby Insurance

Kirby Insurance works with a network of insurance companies. Its agents match you with a local provider that can meet your home insurance needs, and they can even negotiate discounts on your behalf. The company also makes it easy to bundle your auto insurance with your homeowner's policy. Kirby Insurance’s office is located at 14 W. Saratoga St., Ste. 100, Baltimore, MD 21201.

Kirby Insurance