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Maryland Home Insurance: Costs, Coverage and How to Save
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From 1980 to 2024, Maryland was affected by 85 weather disasters, including severe storms and tropical cyclones. With risks ranging from Chesapeake Bay flooding to nor’easters and summer thunderstorms, Maryland homeowners face a wide variety of threats that can affect both coastal and inland properties, making getting the right coverage important for your home.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Maryland homeowners pay right now
Home insurance costs in Maryland depend on your home’s age, rebuild cost and location, along with your claims history and factors like proximity to the Chesapeake Bay or flood-prone waterways. Homeowners in Baltimore and the Eastern Shore often pay more than those in western Maryland due to higher storm and flooding exposure.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage, regardless of those factors. Take a look at some recent examples below of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Maryland are shaped by storm exposure, flood risk and your home’s age and construction, but shopping around can help you save.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5%-25%, depending on the insurer. But bundling your car insurance with the same home carrier isn’t always the cheapest option overall. Sometimes exploring different carrier combinations can cost less. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Maryland
There’s no single “best” home insurance company in Maryland. It depends on your home, your budget and what kind of coverage you need. For example, homeowners along the Chesapeake Bay or in flood-prone areas like Ellicott City may need additional flood coverage, while those in suburban Montgomery County or Frederick may be more focused on severe storm and hail protection.
That said, our data shows some clear trends among Maryland homeowners. Here are the most popular home insurance companies Jerry customers pick:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Maryland homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process after a storm, and others look for strong digital tools or local agent support. Since Maryland bans insurers from using your credit score to price homeowners policies, rate differences come down to factors like your home’s location, age and claims history.
Also check: The best car insurance in Maryland
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Maryland
From coastal hurricanes to inland flash floods, where you live and what you own in Maryland plays a big role in what you pay. Here’s what stands out most and how to stay protected.
🌊 Flooding and flash floods
Flooding is common in Maryland, according to the Maryland Insurance Administration, and it’s not covered by standard home insurance. From tidal surges along the Chesapeake Bay to flash flooding in areas like Ellicott City, water damage is a major concern across the state. Whether your home sits near a river, a bay or on a hillside, a separate flood insurance policy is strongly recommended.
🌀 Hurricanes and tropical storms
While Maryland doesn’t get hit directly by hurricanes as often as its southern neighbors, tropical cyclones still regularly bring heavy rain, strong winds and storm surges to the state’s coastal communities. The Eastern Shore and areas around the Chesapeake Bay are especially vulnerable during hurricane season, which runs from June through November.
❄️ Winter storms and nor’easters
Maryland experiences significant winter weather, from heavy snowfall in western Maryland to ice storms and nor’easters that can damage roofs, collapse gutters and cause frozen pipes to burst. Between 1980 and 2024, the state was affected by 16 major winter storm events, according to NOAA. Ice dams and the weight of heavy snow are common causes of winter damage claims across the state.
⛈️ Severe thunderstorms and wind
Maryland sees frequent severe thunderstorms from spring through fall, bringing damaging wind, hail and occasional tornadoes. Hail is one of the most common sources of home insurance claims in the state, and strong wind gusts can tear off shingles, damage siding and topple trees onto homes. Suburban areas with mature tree cover are especially at risk.
🌊 Chesapeake Bay tidal flooding
Homeowners along the Chesapeake Bay face a unique risk from tidal flooding and sea level rise. FEMA has been updating flood insurance rate maps across Maryland, and many properties that were once considered low-risk are now in or near designated flood zones. Rising water levels mean that regular high-tide flooding is becoming more frequent in communities like Annapolis and parts of Baltimore, increasing the importance of getting separate flood insurance.
Key takeaway: Maryland’s mix of coastal flooding, winter storms and severe thunderstorms all factor into your rate. Understanding your area’s specific risks helps you find the right coverage without overpaying.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Maryland homeowners, choosing the right coverage levels can save you money while making sure you’re protected when it counts.
Dwelling coverage is the core of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost as calculated by your insurer, not its market value. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Maryland homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance in Maryland
Maryland is one of a handful of states that prohibits insurers from using your credit history to price homeowners insurance policies. That’s good news for homeowners, but it also means that other factors like your home’s age, location and claims history carry even more weight. Bundling your home policy with the cheapest car insurance in Maryland is one of the most effective ways to lower your premium, but it’s not the only one. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer weighs Maryland’s mix of flood, wind and winter risks differently, which means the same home insurance policy can cost hundreds less depending on who you’re with. Comparing quotes side-by-side with Jerry is the fastest, most effective way to find a better rate.
Recent quotes
Why it matters: Two homeowners in Maryland with similar homes can still pay very different rates depending on the insurer. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying in full to getting security system credits, most homeowners qualify for at least a few discounts, and stacking them could add up to some serious savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Maryland home insurance discounts:
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Newer homes are less likely to have costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company. In Maryland, where many homes date back decades, this discount can make a significant difference.
🏆 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%. Maryland law also provides protections for weather-related claims, meaning a single storm-related claim generally cannot be used to cancel or non-renew your policy.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. This is especially relevant for Maryland’s many older homes in Baltimore, Annapolis and the surrounding suburbs.
💨 Wind mitigation discount
In storm-prone areas of Maryland, roof upgrades, storm shutters and reinforced connections can earn significant credits. Some carriers offer wind mitigation savings of up to 15% for homes with impact-resistant roofing or reinforced garage doors.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But still, it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and security systems to claims-free credits. But insurers don’t always apply them automatically. However, Jerry can help you find all discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible, the amount you pay out of pocket before insurance kicks in, has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
Here’s how to find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Add flood insurance to protect against Maryland’s top risk
Standard homeowners insurance policies in Maryland do not cover flood damage. That includes damage from rising water, storm surge, overflowing rivers and heavy rainfall runoff. Given that flooding is the state’s most common and costly natural hazard, adding a separate flood insurance policy is one of the smartest moves Maryland homeowners can make.
You don’t have to live on the coast to be at risk. Inland areas like Ellicott City have experienced devastating flash floods in recent years, and communities along the Chesapeake Bay face increasing tidal flooding. Even if your home isn’t in a FEMA-designated high-risk flood zone, about one in five flood insurance claims come from moderate- to low-risk areas.
You can purchase flood coverage through the National Flood Insurance Program or a private flood insurer. Policies typically have a 30-day waiting period, so it’s best to get coverage in place before storm season arrives.
Key takeaway: Since standard home insurance doesn’t cover flood damage, a separate flood policy is essential for Maryland homeowners. Don’t wait for a storm warning to find out you’re unprotected.
Compare home + car bundles in one place, all online.
FAQ
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💰 How much is homeowners cost in Maryland?
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💳 Does Maryland use credit scores for homeowners insurance?
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🌊 Do I need flood insurance in Maryland?
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❄️ Does homeowners insurance cover winter storm damage in Maryland?
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🏠 Is homeowners insurance required in Maryland?
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📦 What should I do after storm damage to my home in Maryland?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.