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Find the Best Renters Insurance in Baltimore, MD

Whether you’re renting in Federal Hill, Canton or Mount Vernon, having renters insurance is essential for financial protection. The Baltimore Sun has partnered with ConsumerAffairs to create this guide by comparing the local reviews of 27 businesses and choosing eight favorites from the top renters 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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Compare Baltimore Renters Insurance Companies

What does renters insurance cover in Baltimore?

baltimore skyline

Renters insurance in Baltimore covers loss or damage of your personal property (e.g., clothing, furniture, electronics) due to events such as fire, lightning, theft, vandalism and other “perils.” This is known as personal property coverage.

Other coverages in renters insurance in Baltimore include:

  • Additional living expenses: If the house or apartment where you are living is damaged by a covered peril and you have to move out while repairs take place, additional living expenses coverage pays for extra costs you incur, like hotel bills.
  • Liability coverage: If you are responsible for an injury to someone while they are on your property, or you accidentally damage someone’s property, liability coverage pays for legal and medical costs.

Keep in mind that a rental policy has coverage limits for personal property and liability, so you should take an inventory of your belongings to determine their total value, and figure out how much liability coverage you need to protect your assets. Ask about riders for high-value items, like jewelry, that may exceed coverage limits. A policy also has a deductible for personal property coverage.

How much is renters insurance in Baltimore?

The average cost of renters insurance in Maryland is between $15 and $30 per month, according to the Maryland Insurance Administration, which regulates insurance in the state.

Multiple factors affect the cost of renters insurance in Baltimore. These include:

  • The amount of coverage
  • The type of coverage (e.g., replacement cost vs. actual cash value)
  • The deductible
  • The area where you are renting
  • The type of construction of the home or apartment building
  • The age of the home, apartment building or condo
  • Distance from where you live to a fire hydrant and the quality of the local fire department

You should always comparison shop for policies by contacting both insurance companies and brokers. Make sure you are asking for the exact same coverage so you can make a fair comparison. Ask about discounts. Renters insurance companies in Baltimore offer discounts for buying multiple policies, having a security system and more.

Baltimore renters insurance FAQ

Do college students need renters insurance in Baltimore?

If you’re a college student in Baltimore at Johns Hopkins University, Towson University or another school, you may be covered by your parents’ policy. Check with your parents’ insurance company to learn if your belongings and liability are covered (and the coverage limits) or if you need your own policy. Be sure to mention if you live on campus or off campus.

Is renters insurance required in Baltimore?

Renters insurance is not legally required in Baltimore. Some landlords, however, require renters to carry it, so be sure to read over your lease agreement carefully.

Does everyone in an apartment need renters insurance in Baltimore?

Renters insurance only covers those who are listed on the policy, so if your roommate has a policy but you do not, you will not be covered. You may be able to share a policy with a roommate; there are advantages (cost savings) and disadvantages (sharing claims history) to this. Also, check your lease to learn the specific requirements for renters insurance and whether all tenants must be covered.

Does renters insurance cover broken windows in Baltimore?

Renters insurance will not cover broken windows in your home if you break them. But if you break someone else’s window accidentally, the liability coverage in your renters insurance policy pays for repairs. Your landlord’s policy provides coverage for a broken window in your home caused by bad weather, vandalism and other perils.

Baltimore renters insurance company information


Lemonade is an insurance company that offers renters insurance in Maryland. Baltimore customers can select amounts for various coverages and get a quote online. Extra coverage is available for jewelry, bicycles, fine art and musical instruments. Claims are easy to make on the company’s app. Lemonade’s unique Giveback program donates unclaimed money to a nonprofit you select.

Lemonade Get a Quote

GEICO: Tom White

Tom White is a local representative for GEICO. Its renters insurance covers personal property, liability and additional living expenses. Online tools include a personal property calculator and customer support. Discounts are available for bundling policies, having a home security system and having a smoke alarm. Tom White’s GEICO office is located at 7915 Belair Road, Nottingham, MD 21236.

GEICO: Tom White

Allstate: Yaakov Schmell

Yaakov Schmell is a local representative for Allstate. Its renters insurance covers personal property, liability, additional living expenses and guest medical expenses. Renters can use an online quote tool. Discounts are available when you bundle renters insurance with auto insurance, have a security system or use automatic payments. Yaakov Schmell is located at 1501 Sulgrave Ave., Ste. 203, Baltimore, MD 21209.

Allstate: Yaakov Schmell

State Farm: Cyndi Kuhn

Cyndi Kuhn is a local agent for State Farm, a renters insurance provider. The types of renters insurance coverage available include personal property, liability and additional living expenses. Renters can request a quote, make payments and file claims online. State Farm also offers optional coverages for additional liability and identity restoration. Discounts are available for multiple lines and home protection. Cyndi Kuhn’s State Farm address is 6100 Eastern Ave., Baltimore, MD 21224.

State Farm: Cyndi Kuhn

Kirby Insurance Agency

Kirby Insurance Agency is a personal insurance agency that offers rental insurance policies in Baltimore. Available coverages include personal property, liability, guest medical and additional living expenses. Request a quote online and check out the insurance calculator tools. Kirby Insurance Agency has offices in Baltimore and Westminster. The Baltimore office is located at 14 W. Saratoga St., Ste. 100, Baltimore, MD 21201.

Kirby Insurance Agency

Mason & Carter, Inc.

Mason & Carter, Inc. is an independent insurance broker. Baltimore customers can contact the company over the phone or online to go over renters insurance needs. The agency then does a market search and presents you with customizable policy options and prices. Mason & Carter, Inc. is located at 23 South St., Baltimore, MD 21202.

Mason & Carter, Inc.

Leitner Insurance Group

Leitner Insurance Group is an independent insurance agency serving Baltimore and Maryland. It is part of Erie Insurance. Customers can get discounts for bundling renters insurance with their auto insurance. Leitner Insurance Group is located at 405 Williams Court, Ste. 114, Baltimore, MD 21220.

Leitner Insurance Group

Farmers: Charles Connolly

Charles Connolly is a local Farmers agent offering renters insurance for residents of Baltimore, Howard, Harford, Frederick and Anne Arundel counties. Coverages include personal property, liability, additional living expenses and medical payments. Discounts are available. Get a quote online. Charles Connolly’s Farmers office is located at 2065 York Road, Lutherville-Timonium, MD 21093.

Farmers: Charles Connolly