Best Maryland Homeowners Insurance for 2026
State Farm has Maryland’s best overall home insurance, but Nationwide may have better discounts
- State Farm has the least expensive home insurance for Maryland homeowners, and it’s the largest insurance company in the nation.
- The average homeowners insurance cost in Maryland is $2,345 per year.
- Maryland’s 3,000 miles of shoreline make it vulnerable to coastal flooding and tropical storms, which may make additional flood insurance an important consideration.
Best homeowners insurance in Maryland
State Farm is our top pick for home insurance in Maryland based on it having the cheapest rates and strong overall ratings. We also spotlight other companies with competitive rates that excel in features important to some homeowners, including customer service and discount options, as well as one that specializes in insuring homes for military families.
- Best overall: State Farm
- Best for discounts: Nationwide
- Best for customer service: American Family
- Best for military families: USAA
Best overall: State Farm
Average annual rate: $1,497
Why we chose it: State Farm had the least expensive average annual home insurance premium across most home values in Maryland. Homeowners can also choose from nine available coverages, more options than many insurers provide, and it scores well for usability on its website and app. State Farm insures the most homes in the United States and ranked toward the top of the 2025 U.S. Home Insurance Study by J.D. Power.
Who it’s best for: State Farm is best for homeowners looking for broad, affordable coverage from a financially strong insurer.
PROS
- Least expensive rates in Maryland
- Many offices and agents available
- Well-recognized company with strong reputation
CONS
- Offers only four discounts, fewer than some competitors
- Receives more complaints than expected for a company of its size
Best for discounts: Nationwide
Average annual rate: $2,687
Why we chose it: Nationwide doesn’t have the lowest annual premium in Maryland, but it offers multiple discounts, which may help families lower their costs. Some unique discounts include having smart home features, living in a gated community and having a renovated home.
Who it’s best for: Nationwide is best for homeowners who can maximize discounts and prefer digital account management.
PROS
- Nine discount opportunities to reduce premiums
- Option to add scheduled personal property coverage
CONS
- Fewer coverage options
- Higher starting rates than some competitors
Best for customer service: American Family
Average annual rate: $2,581
Why we chose it: American Family has above-average ratings from J.D. Power, excellent reviews on Trustpilot, and high marks from the National Association of Insurance Commissioners (NAIC) for customer service and satisfaction. There are less expensive carriers in Maryland, but some homeowners may be able to bring their costs down through discount programs.
Who it’s best for: American Family is best for homeowners who prioritize strong customer support.
PROS
- Better complaint rating than many competitors
- Seven discounts available
CONS
- Offers fewer coverage options than some competitors
- Middle of the pack in terms of average annual rates
Best for military families: USAA
Average annual rate: $2,129
Why we chose it: Maryland has approximately 360,000 veterans and another 100,000 active-duty service members and their families, and USAA is a highly reputable insurer for that population. USAA offers military-specific benefits such as uniform coverage with no deductible, protections for military equipment, and a deductible waiver if personal property is damaged or lost due to war. It also has an excellent NAIC complaint score.
Who it’s best for: USAA is best for military families seeking an insurer that understands their unique situation.
PROS
- High financial strength rating
- Scores well for usability and account management
CONS
- Only two coverage options
- Coverage only available to the military community
Compare home insurance rates and ratings in Maryland
| Company | Average annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,497 | 4/5 | 1.05 |
 | Brethren Mutual | $1,510 | N/A | N/A |
 | Penn National | $1,729 | 4/5 | N/A |
 | Erie | $2,112 | 4/5 | 0.5 |
| USAA** | $2,129 | 4/5 | 0.5 |
| American Family | $2,581 | 4/5 | 0.49 |
| Nationwide | $2,687 |  3.5/5 | 0.95 |
 | PURE | $3,297 |  3/5 | 0.08 |
 | Allstate | $3,561 | 4/5 | 1.3 |
In Maryland, rates can vary significantly between insurers. Comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Maryland to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Maryland?
The average cost of home insurance to cover a $400,000 property in Maryland is $2,345. That comes out to about $195 per month, which is below the national average annual cost of $219 per month.
Maryland residents who live along the coast may want to budget extra for flood insurance, since some types of flood damage may not be covered by standard home policies.
Average home insurance rates by dwelling coverage amount
When choosing an insurance company and comparing rates, consider the cost for your specific coverage needs based on your home’s value. Here are the average annual rates for different dwelling coverage amounts.
| Company | $300,000 | $400,000 | $550,00 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,284 | $1,497 | $1,786 | $2,140 |
| USAA** | $1,769 | $2,129 | $2,639 | $3,298 |
| American Family | $2,080 | $2,581 | $3,216 | $4,011 |
| Nationwide | $2,060 | $2,687 | $3,762 | $5,375 |
| State average | $1,934 | $2,345 | $3,269 | $4,336 |
Home insurance rates in Maryland by city
The highest insurance rates are in Ocean City ($3,973 a year) and West Ocean City ($3,960 a year), which isn’t surprising. Since they sit on the seaboard, homes there are at a higher risk for extreme weather damage.
Less expensive home insurance (under $2,100 a year on average) can be found in cities including Chevy Chase Village, Olney and Cabin John, which are inland. As part of Montgomery County, where building code enforcement is strong, there is less risk of property destruction from fires and other causes, so insurers can keep rates lower.
| City | Average rate |
|---|---|
| Abell | $2,751 |
| Aberdeen | $2,320 |
| Aberdeen Proving Ground | $2,324 |
| Abingdon | $2,280 |
| Accident | $2,436 |
| Accokeek | $2,663 |
| Adamstown | $2,347 |
| Adelphi | $2,472 |
| Algonquin | $2,628 |
| Allen | $2,761 |
| Andrews AFB | $2,584 |
| Annapolis | $2,274 |
| Annapolis Junction | $2,171 |
| Annapolis Neck | $2,273 |
| Aquasco | $2,750 |
| Arbutus | $2,473 |
| Arden on the Severn | $2,204 |
| Arnold | $2,262 |
| Ashton | $2,117 |
| Aspen Hill | $2,133 |
| Avenue | $2,724 |
| Baden | $2,671 |
| Baldwin | $2,361 |
| Ballenger Creek | $2,327 |
| Baltimore | $2,928 |
| Barclay | $2,500 |
| Barnesville | $2,138 |
| Barstow | $2,648 |
| Barton | $2,408 |
| Beallsville | $2,203 |
| Bel Air | $2,271 |
| Bel Air North | $2,269 |
| Bel Air South | $2,270 |
| Bel Alton | $2,740 |
| Belcamp | $2,299 |
| Beltsville | $2,511 |
| Benedict | $2,688 |
| Benson | $2,279 |
| Bensville | $2,535 |
| Berlin | $3,679 |
| Berwyn Heights | $2,484 |
| Bethesda | $2,100 |
| Bethlehem | $2,461 |
| Betterton | $2,435 |
| Big Pool | $2,415 |
| Bishopville | $3,692 |
| Bittinger | $2,536 |
| Bivalve | $2,666 |
| Bladensburg | $2,731 |
| Bloomington | $2,504 |
| Boonsboro | $2,405 |
| Boring | $2,330 |
| Bowie | $2,562 |
| Bowleys Quarters | $2,383 |
| Bowmans Addition | $2,477 |
| Boyds | $2,098 |
| Bozman | $2,605 |
| Braddock Heights | $2,331 |
| Brandywine | $2,676 |
| Brentwood | $2,681 |
| Brinklow | $2,144 |
| Brookeville | $2,104 |
| Brooklandville | $2,335 |
| Brooklyn | $2,866 |
| Brooklyn Park | $2,387 |
| Brookmont | $2,110 |
| Broomes Island | $2,611 |
| Brownsville | $2,400 |
| Brunswick | $2,328 |
| Bryans Road | $2,628 |
| Bryantown | $2,734 |
| Buckeystown | $2,355 |
| Burkittsville | $2,415 |
| Burtonsville | $2,117 |
| Bushwood | $2,676 |
| Butler | $2,336 |
| Cabin John | $2,089 |
| California | $2,545 |
| Callaway | $2,737 |
| Calverton | $2,494 |
| Cambridge | $2,622 |
| Camp Springs | $2,707 |
| Capitol Heights | $2,719 |
| Carney | $2,294 |
| Cascade | $2,353 |
| Catonsville | $2,425 |
| Cavetown | $2,338 |
| Cecilton | $2,433 |
| Cedarville | $2,675 |
| Centreville | $2,475 |
| Chance | $3,010 |
| Chaptico | $2,633 |
| Charlestown | $2,462 |
| Charlotte Hall | $2,586 |
| Chase | $2,375 |
| Cheltenham | $2,542 |
| Chesapeake Beach | $2,557 |
| Chesapeake City | $2,490 |
| Chesapeake Ranch Estates | $2,576 |
| Chester | $2,537 |
| Chestertown | $2,491 |
| Cheverly | $2,738 |
| Chevy Chase | $2,096 |
| Chevy Chase Section Five | $2,107 |
| Chevy Chase Section Three | $2,107 |
| Chevy Chase View | $2,186 |
| Chevy Chase Village | $2,059 |
| Chewsville | $2,368 |
| Childs | $2,431 |
| Chillum | $2,497 |
| Church Creek | $2,783 |
| Church Hill | $2,526 |
| Churchton | $2,315 |
| Churchville | $2,312 |
| Claiborne | $2,564 |
| Clarksburg | $2,138 |
| Clarksville | $2,161 |
| Clear Spring | $2,338 |
| Clements | $2,535 |
| Clinton | $2,656 |
| Cobb Island | $2,776 |
| Cockeysville | $2,376 |
| Colesville | $2,155 |
| College Park | $2,512 |
| Colmar Manor | $2,687 |
| Colora | $2,428 |
| Coltons Point | $2,614 |
| Columbia | $2,143 |
| Compton | $2,544 |
| Conowingo | $2,396 |
| Cooksville | $2,148 |
| Coral Hills | $2,720 |
| Cordova | $2,544 |
| Corriganville | $2,453 |
| Cottage City | $2,684 |
| Crapo | $2,737 |
| Cresaptown | $2,490 |
| Crisfield | $3,190 |
| Crocheron | $2,827 |
| Crofton | $2,190 |
| Croom | $2,682 |
| Crownsville | $2,201 |
| Crumpton | $2,461 |
| Cumberland | $2,468 |
| Curtis Bay | $2,327 |
| Damascus | $2,091 |
| Dameron | $2,716 |
| Dames Quarter | $2,863 |
| Darlington | $2,283 |
| Darnestown | $2,121 |
| Davidsonville | $2,250 |
| Dayton | $2,122 |
| Deal Island | $3,010 |
| Deale | $2,318 |
| Deer Park | $2,472 |
| Delmar | $2,686 |
| Denton | $2,447 |
| Derwood | $2,143 |
| Dickerson | $2,260 |
| District Heights | $2,756 |
| Dowell | $2,636 |
| Drayden | $2,649 |
| Drum Point | $2,578 |
| Dundalk | $2,451 |
| Dunkirk | $2,553 |
| Earleville | $2,419 |
| East New Market | $2,569 |
| East Riverdale | $2,689 |
| Easton | $2,503 |
| Eckhart Mines | $2,517 |
| Eden | $3,398 |
| Edgemere | $2,370 |
| Edgewater | $2,224 |
| Edgewood | $2,308 |
| Edmonston | $2,686 |
| Eldersburg | $2,108 |
| Elk Mills | $2,411 |
| Elkridge | $2,137 |
| Elkton | $2,387 |
| Ellerslie | $2,512 |
| Ellicott City | $2,118 |
| Emmitsburg | $2,299 |
| Essex | $2,360 |
| Ewell | $3,307 |
| Fairland | $2,166 |
| Fairmount Heights | $2,707 |
| Fairplay | $2,370 |
| Fairwood | $2,556 |
| Fallston | $2,296 |
| Faulkner | $2,686 |
| Federalsburg | $2,504 |
| Ferndale | $2,309 |
| Finksburg | $2,129 |
| Fishing Creek | $2,787 |
| Flintstone | $2,545 |
| Forest Heights | $2,757 |
| Forest Hill | $2,268 |
| Forestville | $2,751 |
| Fork | $2,319 |
| Fort Howard | $2,338 |
| Fort Meade | $2,222 |
| Fort Washington | $2,636 |
| Fountainhead-Orchard Hills | $2,322 |
| Four Corners | $2,128 |
| Frederick | $2,333 |
| Freeland | $2,291 |
| Friendly | $2,635 |
| Friendship | $2,292 |
| Friendship Heights Village | $2,109 |
| Friendsville | $2,474 |
| Frostburg | $2,512 |
| Fruitland | $2,640 |
| Fulton | $2,156 |
| Funkstown | $2,382 |
| Gaithersburg | $2,137 |
| Galena | $2,460 |
| Galesville | $2,343 |
| Gambrills | $2,215 |
| Gapland | $2,327 |
| Garrett Park | $2,137 |
| Garrison | $2,307 |
| Georgetown | $2,471 |
| Germantown | $2,116 |
| Gibson Island | $2,250 |
| Girdletree | $3,786 |
| Glassmanor | $2,759 |
| Glen Arm | $2,331 |
| Glen Burnie | $2,328 |
| Glen Echo | $2,125 |
| Glenarden | $2,542 |
| Glenelg | $2,127 |
| Glenn Dale | $2,552 |
| Glenwood | $2,154 |
| Glyndon | $2,354 |
| Goldsboro | $2,411 |
| Grahamtown | $2,512 |
| Grantsville | $2,455 |
| Grasonville | $2,476 |
| Great Mills | $2,521 |
| Greenbelt | $2,480 |
| Greensboro | $2,472 |
| Gunpowder | $2,322 |
| Gwynn Oak | $2,485 |
| Hagerstown | $2,380 |
| Halethorpe | $2,412 |
| Halfway | $2,379 |
| Hampstead | $2,107 |
| Hampton | $2,367 |
| Hancock | $2,325 |
| Hanover | $2,201 |
| Harmans | $2,203 |
| Harwood | $2,297 |
| Havre De Grace | $2,297 |
| Hebron | $2,683 |
| Helen | $2,572 |
| Henderson | $2,444 |
| Herald Harbor | $2,203 |
| Highland | $2,177 |
| Hillandale | $2,402 |
| Hillcrest Heights | $2,738 |
| Hillsboro | $2,457 |
| Hollywood | $2,532 |
| Hughesville | $2,628 |
| Hunt Valley | $2,380 |
| Huntingtown | $2,548 |
| Hurlock | $2,590 |
| Hyattsville | $2,659 |
| Hydes | $2,338 |
| Ijamsville | $2,333 |
| Ilchester | $2,149 |
| Indian Head | $2,635 |
| Ingleside | $2,501 |
| Ironsides | $2,630 |
| Issue | $2,726 |
| Jarrettsville | $2,239 |
| Jefferson | $2,319 |
| Jessup | $2,158 |
| Joppa | $2,301 |
| Keedysville | $2,352 |
| Kemp Mill | $2,132 |
| Kennedyville | $2,477 |
| Kensington | $2,188 |
| Kettering | $2,607 |
| Keymar | $2,228 |
| Kingsville | $2,325 |
| Kitzmiller | $2,481 |
| Knoxville | $2,344 |
| Konterra | $2,491 |
| La Plata | $2,564 |
| La Vale | $2,469 |
| Ladiesburg | $2,306 |
| Lake Arbor | $2,609 |
| Lake Shore | $2,337 |
| Landover | $2,750 |
| Landover Hills | $2,667 |
| Langley Park | $2,444 |
| Lanham | $2,527 |
| Lanham Seabrook | $2,530 |
| Lansdowne | $2,411 |
| Largo | $2,604 |
| Laurel | $2,324 |
| Laytonsville | $2,183 |
| Leitersburg | $2,327 |
| Leonardtown | $2,554 |
| Lexington Park | $2,536 |
| Libertytown | $2,428 |
| Lineboro | $2,162 |
| Linganore | $2,244 |
| Linkwood | $2,692 |
| Linthicum | $2,309 |
| Linthicum Heights | $2,313 |
| Lisbon | $2,222 |
| Little Orleans | $2,484 |
| Lochearn | $2,368 |
| Lonaconing | $2,499 |
| Long Green | $2,322 |
| Lothian | $2,342 |
| Loveville | $2,517 |
| Luke | $2,411 |
| Lusby | $2,578 |
| Lutherville | $2,257 |
| Lutherville Timonium | $2,261 |
| Maddox | $2,633 |
| Madison | $2,760 |
| Manchester | $2,120 |
| Manokin | $2,819 |
| Marbury | $2,661 |
| Mardela Springs | $2,618 |
| Marion Station | $2,914 |
| Marlow Heights | $2,725 |
| Marriottsville | $2,182 |
| Marydel | $2,457 |
| Maryland City | $2,206 |
| Maryland Line | $2,243 |
| Massey | $2,491 |
| Maugansville | $2,365 |
| Mayo | $2,232 |
| Mc Henry | $2,460 |
| McDaniel | $2,606 |
| Mechanicsville | $2,468 |
| Middle River | $2,349 |
| Middletown | $2,283 |
| Midland | $2,480 |
| Midlothian | $2,487 |
| Milford Mill | $2,367 |
| Millersville | $2,256 |
| Millington | $2,453 |
| Mitchellville | $2,592 |
| Monkton | $2,284 |
| Monrovia | $2,292 |
| Montgomery Village | $2,154 |
| Morganza | $2,492 |
| Morningside | $2,802 |
| Mount Aetna | $2,328 |
| Mount Airy | $2,176 |
| Mount Lena | $2,405 |
| Mount Rainier | $2,634 |
| Mount Savage | $2,497 |
| Mount Vernon | $2,698 |
| Mount Victoria | $2,615 |
| Mountain Lake Park | $2,452 |
| Myersville | $2,298 |
| Nanjemoy | $2,648 |
| Nanticoke | $2,680 |
| National Harbor | $2,696 |
| Naval Academy | $2,266 |
| Neavitt | $2,562 |
| New Carrollton | $2,657 |
| New Market | $2,242 |
| New Midway | $2,290 |
| New Windsor | $2,120 |
| Newark | $3,722 |
| Newburg | $2,773 |
| Newcomb | $2,529 |
| North Beach | $2,575 |
| North Bethesda | $2,110 |
| North East | $2,439 |
| North Kensington | $2,185 |
| North Potomac | $2,106 |
| Nottingham | $2,310 |
| Oakland | $2,457 |
| Ocean City | $3,973 |
| Ocean Pines | $3,684 |
| Odenton | $2,225 |
| Oldtown | $2,528 |
| Olney | $2,066 |
| Overlea | $2,392 |
| Owings | $2,514 |
| Owings Mills | $2,291 |
| Oxford | $2,586 |
| Oxon Hill | $2,703 |
| Paramount-Long Meadow | $2,323 |
| Park Hall | $2,648 |
| Parkton | $2,264 |
| Parkville | $2,295 |
| Parole | $2,250 |
| Parsonsburg | $2,670 |
| Pasadena | $2,324 |
| Patuxent River | $2,614 |
| Peppermill Village | $2,714 |
| Perry Hall | $2,323 |
| Perry Point | $2,474 |
| Perryman | $2,362 |
| Perryville | $2,434 |
| Phoenix | $2,327 |
| Pikesville | $2,476 |
| Piney Point | $2,707 |
| Pinto | $2,538 |
| Pittsville | $2,682 |
| Pleasant Hills | $2,255 |
| Pocomoke City | $3,435 |
| Point of Rocks | $2,273 |
| Pomfret | $2,656 |
| Poolesville | $2,119 |
| Port Deposit | $2,407 |
| Port Republic | $2,583 |
| Port Tobacco | $2,734 |
| Potomac | $2,134 |
| Potomac Heights | $2,630 |
| Potomac Park | $2,472 |
| Powellville | $2,712 |
| Preston | $2,508 |
| Price | $2,523 |
| Prince Frederick | $2,590 |
| Princess Anne | $2,693 |
| Pylesville | $2,262 |
| Quantico | $2,714 |
| Queen Anne | $2,556 |
| Queenstown | $2,540 |
| Randallstown | $2,429 |
| Rawlings | $2,523 |
| Redland | $2,098 |
| Rehobeth | $2,824 |
| Reisterstown | $2,262 |
| Rhodesdale | $2,612 |
| Riderwood | $2,323 |
| Ridge | $2,866 |
| Ridgely | $2,441 |
| Rising Sun | $2,432 |
| Riva | $2,261 |
| Riverdale | $2,679 |
| Riverdale Park | $2,674 |
| Riviera Beach | $2,367 |
| Robinwood | $2,322 |
| Rock Hall | $2,488 |
| Rock Point | $2,659 |
| Rockville | $2,139 |
| Rocky Ridge | $2,321 |
| Rohrersville | $2,327 |
| Rosedale | $2,392 |
| Rossville | $2,335 |
| Royal Oak | $2,577 |
| Sabillasville | $2,281 |
| Salisbury | $2,642 |
| Sandy Spring | $2,131 |
| Savage | $2,144 |
| Scaggsville | $2,137 |
| Scotland | $2,808 |
| Seabrook | $2,531 |
| Seat Pleasant | $2,712 |
| Secretary | $2,568 |
| Severn | $2,251 |
| Severna Park | $2,264 |
| Shady Side | $2,289 |
| Sharpsburg | $2,322 |
| Sharptown | $2,666 |
| Sherwood | $2,635 |
| Sherwood Forest | $2,212 |
| Showell | $3,475 |
| Silver Hill | $2,803 |
| Silver Spring | $2,184 |
| Simpsonville | $2,203 |
| Smithsburg | $2,332 |
| Snow Hill | $3,615 |
| Solomons | $2,626 |
| Somerset | $2,109 |
| South Kensington | $2,137 |
| South Laurel | $2,492 |
| Sparks Glencoe | $2,305 |
| Sparrows Point | $2,375 |
| Spencerville | $2,156 |
| Spring Gap | $2,454 |
| Spring Ridge | $2,334 |
| Springdale | $2,594 |
| St. Inigoes | $2,766 |
| St. James | $2,399 |
| St. Leonard | $2,642 |
| St. Marys | $2,718 |
| St. Marys City | $2,718 |
| St. Michaels | $2,566 |
| Stevenson | $2,278 |
| Stevensville | $2,522 |
| Still Pond | $2,457 |
| Stockton | $3,817 |
| Street | $2,309 |
| Sudlersville | $2,479 |
| Suitland | $2,777 |
| Sunderland | $2,590 |
| Swanton | $2,443 |
| Sykesville | $2,106 |
| Takoma Park | $2,271 |
| Tall Timbers | $2,615 |
| Taneytown | $2,131 |
| Taylors Island | $2,818 |
| Temple Hills | $2,695 |
| Templeville | $2,600 |
| Thurmont | $2,301 |
| Tilghman | $2,781 |
| Tilghmanton | $2,408 |
| Timonium | $2,259 |
| Toddville | $2,740 |
| Towson | $2,404 |
| Tracys Landing | $2,322 |
| Trappe | $2,639 |
| Travilah | $2,155 |
| Trego-Rohrersville Station | $2,358 |
| Tuscarora | $2,323 |
| Tyaskin | $2,662 |
| Tylerton | $2,953 |
| Union Bridge | $2,155 |
| Unionville | $2,329 |
| University Park | $2,535 |
| Upper Fairmount | $2,769 |
| Upper Falls | $2,335 |
| Upper Hill | $2,769 |
| Upper Marlboro | $2,604 |
| Upperco | $2,288 |
| Urbana | $2,356 |
| Valley Lee | $2,659 |
| Vienna | $2,672 |
| Waldorf | $2,571 |
| Walker Mill | $2,735 |
| Walkersville | $2,308 |
| Warwick | $2,540 |
| Washington Grove | $2,095 |
| Welcome | $2,644 |
| Wenona | $3,010 |
| West Friendship | $2,177 |
| West Laurel | $2,489 |
| West Ocean City | $3,960 |
| West River | $2,311 |
| Westernport | $2,401 |
| Westminster | $2,091 |
| Westover | $2,801 |
| Westphalia | $2,710 |
| Whaleyville | $3,482 |
| Wheaton | $2,173 |
| White Hall | $2,278 |
| White Marsh | $2,350 |
| White Oak | $2,134 |
| White Plains | $2,621 |
| Whiteford | $2,253 |
| Willards | $2,762 |
| Williamsport | $2,346 |
| Wilson-Conococheague | $2,402 |
| Windsor Mill | $2,411 |
| Wingate | $2,842 |
| Wittman | $2,685 |
| Woodbine | $2,154 |
| Woodlawn | $2,451 |
| Woodmore | $2,608 |
| Woodsboro | $2,334 |
| Woodstock | $2,235 |
| Woolford | $2,710 |
| Worton | $2,548 |
| Wye Mills | $2,617 |
Current state of homeowners insurance in Maryland
The average cost in Maryland for $400,000 in dwelling coverage is $2,345, which is below the average national rate of $2,628. It’s also less expensive than neighboring Virginia, which has average yearly rates of $2,762. On its other border, nearby Pennsylvania has lower annual average premiums of $1,893.
As noted above, the cost to insure a home in Maryland can vary widely depending on the location. More coastal towns and cities can expect to pay higher insurance rates because of the risks associated with storms that can bring high winds, hail and flooding. In some areas, it may be required or at least advisable to take out an additional flood insurance policy.
That said, increases in insurance rates have mostly been on par with national trends. Maryland homeowners paid 45% more in 2025 than they did in 2021, which is significant but still below the national average insurance rate increase of 48% over the same period.
Homes in Maryland are 45 years old on average and a moderate 2,207 square feet. When shopping for home insurance, the age and size of the home, along with its condition and location, are the most impactful factors affecting your premium.
How to compare homeowners insurance in Maryland
When comparing options, don’t just look at rates. Also consider these factors:
- Coverage limits: Make sure your home is fully covered.
- Deductibles: Higher deductibles can lower premiums.
- Exclusions: Check what isn’t covered (like floods).
- Add-ons: Consider extra coverage for high-value items.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Like many states, homeowners insurance isn’t required by Maryland state law. However, if you have a mortgage on the property, it is almost always a lender requirement to have dwelling coverage. Home insurance is generally a smart investment to protect your home and its contents should anything catastrophic occur.
Maryland home insurance is lower than the national average when comparing average annual premiums. One reason why could be simple geography: Most of Maryland is inland and less prone to extreme weather impacts. Maryland also prohibits insurance companies from using credit scores to determine rates, so people with lower scores will not have to pay more just for that reason.
In Maryland, the FAIR (Fair Access to Insurance Requirements) plan is referred to as the Maryland Property Insurance Availability Program, also known as the Joint Insurance Association (“JIA”). It is a state-run shared market plan that offers coverage for people who have hard-to-insure properties and are unable to get insurance or have been turned down.
Methodology
How we chose the best homeowners insurance in Maryland
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Maryland ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
For third-party customer service ratings, we included NAIC’s complaint index scores and financial strength ratings from A.M. Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.