Home insurance quotes Maryland carriers return differ by county before they differ by house: the Baltimore rowhouse, the Montgomery County colonial and the Eastern Shore cottage sit in different rating territories with different perils. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What a quote in Maryland is priced on
The rebuild cost sets the dwelling limit, and Maryland's older stock means roof, wiring and plumbing questions carry weight; a rowhouse with shared walls is rated as one. Territories around Baltimore City and the Washington suburbs are priced separately, so an address a few miles away can quote differently on the same house.
The local perils and deductibles
Bay and coastal wind on the Eastern Shore and around the Chesapeake carries wind deductibles with some carriers; inland the perils are winter freeze and summer storms. Flood along the shore and the rivers is never in the homeowners quote. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to compare the quotes
Hold the dwelling limit and deductibles constant across three quotes, ask each carrier about its wind deductible for shore addresses, and compare against the filed Maryland rates on this site. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about home insurance quotes maryland
How do I get home insurance quotes in Maryland?
Set the dwelling limit at rebuild cost and the deductibles once, then quote three carriers on the same inputs; the filed rates for the state on this site show the range first.
Why are home insurance quotes in Maryland higher than the national average?
The local perils, the age of the housing stock and each carrier's experience in the territory; the national average of $1,411 is only the scale.
Does the quote include flood?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.