Popular Questions about Maryland Home Insurance

Maryland's average cost for home insurance is $1,037 per year, coming in less expensive than the national figure of $1,211 annually. When you're searching for the best rates on home protection, consider working with a licensed adviser that has carrier options.

The state of Maryland doesn't require that you carry homeowners insurance. However, when you have a loan on your home, the lender or mortgage does. Considering Maryland had $836.6 million paid in home claims in one year alone, the proper protection is necessary to avoid financial devastation.

In Maryland, the right homeowners insurance policy can be found through a local expert. You'll want to compare rates with the best carriers in town. A trusted adviser can shop through dozens of markets at once, saving you time and money.

Your Maryland homeowners insurance is calculated by carriers using the following personal and local data:

  • What's the replacement cost of your home?
  • What coverages did you select?
  • What's the local crime rate?
  • What natural disasters have been reported?
  • What past claims have you reported?

Yes, Maryland currently has 213 independent insurance agencies ready to assist with your coverage needs. They first assess your home and the necessary limits, and then quote through multiple markets at no cost to you. 

In Maryland, your homeowners insurance should be placed with the best market for your situation. That being said, Nationwide, Travelers, and Progressive insurance companies are highly rated for their superior claims handling and customer service.

Do You Know What Your Maryland Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 Residents
Aberdeen$929$196,7533.89
Annapolis$1,183$400,7124.54
Baltimore$1,108$153,50011.1
Bethesda$1,301$887,1722.32
Bowie$936$331,1052.05
Cambridge$870$166,34311.13
College Park$989$293,6254.27
Columbia$1,134$371,4004.08
Cumberland$718$85,19014.33
Easton$961$283,8614.76
Elkton$942$196,26510.46
Frederick$975$269,9003.05
Gaithersburg$1,022$362,8002.4
Glen Burnie$958$246,0006.42
Greenbelt$928$207,5535.44
Hagerstown$858$152,2549
Havre de Grace$984$273,9413.89
Hyattsville$972$289,3766.77
Laurel$936$256,9084.43
Rockville$1,228$523,7001.23
Salisbury$849$154,5347.91
Takoma Park$1,232$525,4026.85
Waldorf$989$276,9003.87
Westminster$940$241,7525.41
  1. $92
  2. Baltimore, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Baltimore is $92. 
  4. Your actual cost for coverage can vary from this rate because it will depend on a variety of factors such as the size, age, and value of your home, the crime rate in your ZIP code, and your claims and credit history. By comparing rates from multiple carriers, you can be sure that you are getting your coverage at a competitive rate.
  5. Baltimore home insurance can cover you against a number of risks that you face as a homeowner in this city. These can range from liability lawsuits to residential fires. Some of the biggest risks to area homeowners are those caused by severe storms and property crimes. 


  1. $95
  2. Columbia, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Columbia is $95. 
  4. Your home insurance could be less or more, depending on factors like the size of your house, your credit score and claims history, your house's building materials, and the amount of coverage you are purchasing. Compare quotes to make sure you are getting the best rate.
  5. Accidents happen whether you want them to or not. Property damage can happen after a bad storm or a burglary break-in, or if a tree randomly sheds some branches. Your homeowners policy should have proper limits and coverages so you can make repairs quickly. 


  1. $82
  2. Waldorf, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Waldorf is $82. 
  4. A number of different factors go into determining the type and amount of coverage to include in your homeowners insurance. That means your policy is uniquely designed for you, your home and your needs.
  5. Winter weather in Maryland can get intense. Cold temperatures and heavy snowstorms can cause damage to your home as well as your plumbing system. If a pipe freezes and bursts, causing flooding in your basement, how would you like your policy to respond? Your Waldorf home insurance is designed to protect against these and other hazards you are likely to face as a Maryland homeowner.


  1. $80
  2. Glen Burnie, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Glen Burnie is $80.
  4.  The size of your house, your credit score, your house's building materials and the crime rate in your ZIP code are just some of the variables that can impact how much you pay for homeowners coverage. Because every insurance company has its own proprietary way of calculating rates, it pays to comparison shop before making a purchase.
  5. Your Glen Burnie homeowners insurance policy is designed to cover you against the various risks you face as a property owner in this city. This includes liability risks if someone is injured on your property, loss or damage due to property crimes, accidental residential fires, and severe weather events. Given its proximity to the coast, this Baltimore suburb is particularly vulnerable to the heavy rains and high winds that accompany hurricanes and tropical storms. Make sure that your home policy provides all the protection you need.


  1. $80
  2. Frederick, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Frederick is $80. 
  4. Of course, your actual home insurance could be less or more than this average. That is because insurance companies calculate rates according to a variety of factors such as the type of home you are insuring, its size, age, and value, and often, even your claims history and credit score. Because each insurer has its own way of determining rates, it is advantageous to compare quotes before making a selection.
  5. Frederick homeowners insurance is designed to cover you against financial losses related to several potential hazards you may face as a property owner in this city. This includes damage caused by accidental fires, property crimes, and severe weather events. It can also cover the costs associated with liability lawsuits. If your mail carrier slips and is injured on your porch or an intoxicated dinner guest is hurt on the way out the door, you could be held liable. Fortunately, your home insurance can cover legal fees, court costs, and damages.


  1. $102
  2. Rockville, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Rockville is $102. 
  4. Of course, there is a wide range of property types and values in this city, and the home coverage rates can therefore vary greatly from one homeowner to the next. Your actual rate will be calculated according to several considerations such as the age, size, and value of your home and the crime rate in your ZIP code. Every insurance provider has its own proprietary method for assessing risk and assigning rates, so comparison shopping can help you save a lot of money.
  5. Your home is one of the biggest investments you will make. It is best to protect that investment with a reliable and comprehensive home insurance policy. A number of things could cause damage to your roof, windows, doors and siding. Because your home is exposed to the elements, nothing is off limits. Make sure your homeowners policy addresses any physical damage risks you may have as a Rockville resident.


  1. $108
  2. Bethesda, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Bethesda is $108. 
  4. Rates can vary significantly throughout the community, though, because they are based on several different factors, including details about the home being insured, information about potential liability hazards, such as the presence of a swimming pool or dangerous breed of dog, and, at times, even your credit score and claims history. Comparing quotes is always a good idea, as each insurance company assigns rates in a different way.
  5. You have invested a lot in your home. You will want to protect that investment by backing it up with a reliable Bethesda homeowners insurance policy. This insurance can cover the costs associated with such hazards as severe weather events, liability lawsuits, property crimes, and residential fires. Because fires can be all-consuming and lead to a total loss of your property, you will want to be sure that your coverage limits are high enough to enable you to rebuild your home and replace your belongings without suffering a large financial loss.


  1. $85
  2. Gaithersburg, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Gaithersburg is $85. 
  4. Your home's location, size, age, and proximity to a fire station are just some of the many factors that play a role in determining how much you can expect to pay for your coverage. It should therefore come as no surprise if your quoted rates vary somewhat from the average amount. Comparing multiple quotes helps you be certain that the policy you choose is offered at a competitive rate.
  5. Strong winds and severe hailstorms can wreak havoc on your property. It's a reality you must face as a Gaithersburg homeowner and something your homeowners policy should appropriately address. Your home insurance can also cover you against hazards like property crimes, residential fires, and liability lawsuits. 


  1. $78
  2. Bowie, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Bowie is $78. 
  4. Because homeowners insurance rates are customized for each policyholder, you should use this average rate only as a baseline. A number of factors will be used to calculate your actual rate, including information about you, details about your home, and the amount of coverage you are purchasing. When you request rates from multiple insurers, you can compare them to find the best price.
  5. Your Bowie homeowners insurance policy can protect your finances by providing you with compensation for losses brought about by a variety of hazards. These can include severe weather, residential fires, burglaries, and liability lawsuits. Many types of expensive home damage are completely unexpected. Water damage to your home can come in various forms, including freezing pipes that burst, washing machines that overflow, and heavy rains that cause leaking through your roof. These risks are covered. Flood damage, however, is not. Be sure to supplement your policy with flood insurance to have full home protection.


  1. $72
  2. Hagerstown, MD Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Hagerstown is $72. 
  4. You can expect your actual rate to differ somewhat from this amount, since it will be calculated by insurance companies according to a variety of factors such as the size and age of your home and your claims history. Just as rates can vary from one homeowner to the next, so too can rates offered by different insurance companies. It is therefore in your best interest to compare quotes before making a selection.
  5. Your Hagerstown homeowners insurance can help to prevent a major disaster from causing you large financial losses. These policies can cover the costs associated with such risks as accidental fires, severe weather events, and liability lawsuits. It can also compensate you for losses resulting from property crime, like burglary. Here in Hagerstown, where the burglary rate greatly exceeds the national average, this is of particular importance.