Maryland homeowners insurance

Maryland homeowners can be faced with the threat of costly home repairs from extreme weather throughout the year. The state is also susceptible to nor'easters, which can bring hurricane-level winds, causing downed trees, power outages, and widespread property damage. Homeowners in Maryland can protect their home’s structure against storm damage with an affordable homeowners policy through Progressive.

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How you're covered

A typical policy in Maryland may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Did you know?

A nor'easter can be as damaging as a hurricane for coastal homes in Maryland. Being prepared for high winds from nor'easters and hurricanes may help you save on the cost of a homeowners policy. Homeowners who make mitigation improvements might be entitled to an insurance discount if those improvements are documented and done by a licensed contractor.

Learn more about preparing your home for hurricanes and other windstorms, and how Maryland homeowners insurance may protect your property and assets when a hurricane or windstorm hits.

More ways to stay covered in Maryland

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, Marylanders may want to consider:

Flood: Flooding isn’t typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Maryland?

Progressive homeowners policies in Maryland had an average monthly price of $111.82 or $1341.89 for an annual policy in 2023.^* Your rate will depend on several factors, including type of home construction, roof age, and location. Coastal properties and zip codes with high crime rates could have higher premiums due to the risk of storm damage and theft.

Learn more about factors affecting your rate for homeowners insurance.

Helping you save on homeowners insurance in Maryland

You can take advantage of several homeowners insurance discounts to help you save on your policy. One of the most common discounts is bundling your homeowners and auto insurance for a multi-policy discount. Other discounts may be available for installing an alarm or security system, quoting in advance, and paying your policy in full.

Learn more ways to lower your homeowners insurance rate.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436, or speak with your agent to help ensure you're getting all applicable discounts.

See Maryland homeowners insurance rates

Shopping for homeowners insurance quotes in Maryland is easy with HomeQuote Explorer®, which lets you find the right policy for you and your property.

Is homeowners insurance required by law in Maryland?

Maryland homeowners insurance isn't required by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Even if you’ve paid off your home, homeowners insurance can be crucial in protecting what is likely your most valuable asset.