Finding the best home insurance in Maryland can feel like searching for a needle in a haystack—except the haystack is made of fine print, coverage options, and deductibles. But don’t worry, we’ve done the heavy lifting for you. In this guide, we break down the top home insurance providers in Maryland for 2025, based on coverage, customer service, and affordability.
Top Home Insurance Providers in Maryland for 2025
We’ve analyzed more than 30 insurance companies to bring you the best options available in Maryland. Here are the insurers that scored 4.5 stars or more in our evaluation:
| Company | NerdWallet Star Rating | Average Annual Rate |
|---|---|---|
| Amica | ★★★★★ | Not Available |
| Chubb | ★★★★★ | Not Available |
| Erie | ★★★★★ | $1,605 |
| NJM | ★★★★★ | Not Available |
| Allstate | ★★★★½ | $2,370 |
| Cincinnati Insurance | ★★★★½ | Not Available |
| Farmers | ★★★★½ | $1,760 |
| The Hanover | ★★★★½ | Not Available |
| Nationwide | ★★★★½ | $2,015 |
| State Farm | ★★★★½ | $1,335 |
| Travelers | ★★★★½ | $1,515 |
| USAA* | ★★★★★ | $1,545 |
USAA homeowners policies are available only to active military members, veterans, and their families.
Spotlight on the Best Home Insurance Providers in Maryland
Each of the top-rated insurers offers unique benefits. Here’s what sets them apart:
1. Amica – Exceptional Customer Service
Amica is known for its top-tier customer service and a wide range of coverage options. It offers unique add-ons such as identity theft protection and coverage for water backup damage. Plus, it receives far fewer customer complaints than expected, according to the National Association of Insurance Commissioners (NAIC).
Read more about Amica home insurance.
2. Chubb – Best for High-Value Homes
If you own a high-value home, Chubb is one of the best options. It offers extended replacement cost coverage, ensuring your home gets rebuilt even if it costs more than your policy’s limit. Chubb also provides a HomeScan service, which detects potential electrical and water issues before they become costly problems.
Check out Chubb’s home insurance benefits.
3. Erie – Best for Personalized Service
Erie offers guaranteed replacement cost coverage, meaning it will cover the full cost to rebuild your home, even if it exceeds the dwelling limit. Customers who bundle their home and auto insurance can save up to 16%.
Explore Erie’s home insurance options.
4. NJM – Most Comprehensive Coverage
NJM stands out because it includes replacement cost coverage for both the home and personal belongings without extra charges. Unlike many insurers, NJM ensures policyholders can replace their damaged items with brand-new equivalents.
Learn more about NJM home insurance.
5. State Farm – Best for Budget-Friendly Coverage
With an average annual premium of $1,335, State Farm offers some of the lowest rates in Maryland. It also provides homeowners with free Ting devices—smart plugs that help prevent electrical fires.
See State Farm’s home insurance options.
How Much Does Home Insurance Cost in Maryland?
The average annual cost of home insurance in Maryland is $1,700, which is 11% lower than the national average of $1,915.
Home Insurance Costs by City in Maryland
Here’s a breakdown of the average annual premium in major Maryland cities:
| City | Average Annual Rate |
|---|---|
| Baltimore | $2,100 |
| Silver Spring | $1,480 |
| Annapolis | $1,615 |
| Rockville | $1,435 |
| Frederick | $1,355 |
| Salisbury | $1,940 |
For homeowners looking for the most affordable options, State Farm ($1,335), Travelers ($1,515), and Erie ($1,605) offer some of the lowest rates in the state.
Common Risks for Maryland Homeowners
Living in Maryland comes with specific risks that homeowners should be aware of when choosing insurance coverage.
1. Hurricanes and Tropical Storms
Hurricanes can bring devastating wind and water damage, especially in coastal areas. While wind damage is usually covered, flood damage requires separate flood insurance. Homeowners should check whether their policies have a separate windstorm deductible.
🔎 Pro Tip: You can assess your flood risk using the FEMA Flood Map Service Center.
2. Flooding
Flood insurance isn’t included in standard homeowners policies. Maryland homeowners should consider purchasing separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers.
Check your home’s flood risk using First Street Foundation’s Flood Factor tool.
3. Winter Storms
Maryland winters can bring heavy snow and freezing temperatures, leading to burst pipes and ice dam damage. While most policies cover storm damage, they may not cover damage due to negligence, such as failing to heat your home during a winter storm.
4. Wildfires
While Maryland isn’t known for wildfires, dry conditions in some areas pose a risk. Homeowners should ensure their policies provide adequate dwelling coverage to rebuild in the event of a fire.
Ways to Save on Home Insurance in Maryland
Homeowners can take several steps to reduce their insurance costs:
✔ Increase Your Deductible – Raising your deductible from $1,000 to $2,500 can lower your premium significantly.
✔ Bundle Home and Auto Insurance – Many insurers, such as Erie, State Farm, and Allstate, offer discounts for bundling policies.
✔ Improve Home Security – Installing a security system, fire alarms, and water sensors can qualify you for discounts.
✔ Ask About Discounts – Insurers often offer discounts for new homes, claims-free histories, and loyalty programs.
Final Thoughts
Choosing the best home insurance in Maryland doesn’t have to be overwhelming. The key is finding a balance between affordability, coverage, and customer service. Whether you prioritize low premiums (State Farm), top-tier customer service (Amica), or high-value home protection (Chubb), there’s an option that fits your needs.
For homeowners in coastal areas, flood insurance is essential, while those in snowy regions should ensure they have adequate winter storm coverage. By shopping around, leveraging discounts, and understanding policy details, you can secure the best protection for your home in 2025.
Want a customized quote? Visit each insurer’s website or contact an independent insurance agent today.