Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Maryland are Chubb, USAA and State Farm.
USAA offers the highest-quality homeowners insurance in Maryland with the lowest average annual premium at $1,488.
Flooding risks from Maryland's coastal location and heavy rainfall patterns drive up insurance premiums. Shop for quality coverage from affordable providers.
Chubb is the best home insurance company for most Maryland homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Chubb | 4.75 | 5 | 2 | 2 |
| USAA | 5 | 1 | 1 | 1 |
| State Farm | 4.67 | 3 | 3 | 4 |
| Farmers | 4.51 | 4 | 4 | 6 |
| Homesite | 4.4 | 2 | 8 | 3 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Maryland's coastal areas face different insurance challenges than inland communities, creating significant variation in rates and provider performance across the state. We identified the top-scoring insurer for major Maryland cities based on affordability, customer satisfaction and coverage options.
| Baltimore | USAA | $1,648 |
| Catonsville | USAA | $1,435 |
| Columbia | USAA | $1,297 |
| Crownsville | USAA | $1,373 |
| Gwynn Oak | USAA | $1,640 |
| Harwood | USAA | $1,566 |
Coverage levels create major differences in Maryland home insurance costs, with $500,000 in dwelling protection running $4,350 versus just $1,650 for $100,000 coverage. Credit scores drive even bigger gaps, pushing poor credit homeowners to $6,262 annually, while excellent credit brings premiums down to around $1,452. Overall, Maryland's average is $2,622 per year, but rates vary widely based on your home and personal profile.
Overall average | $2,622 | $219 |
$100,000 dwelling coverage | $1,650 | $138 |
$500,000 dwelling coverage | $4,350 | $363 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,452 | $121 |
Poor Credit | $6,262 | $522 |
Compare rates from multiple insurers and find Maryland coverage that protects against coastal storms, flooding and severe weather damage. Shopping for local home insurance means securing policies that address the state's specific hazards while staying affordable.
Assess your home's replacement cost and Maryland's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Maryland's high rebuilding costs.
Maryland home insurance averages $2,622 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Maryland-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Maryland's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Maryland homes.
After home improvements or major storms, it's smart to review your policy and shop for new quotes. Maryland's coastal flooding risks and rising construction costs mean your coverage needs shift over time. Update your dwelling limits annually to match your home's current replacement value.
Maryland homeowners benefit from three market leaders: Chubb, USAA and State Farm, all offering strong financial ratings and comprehensive coverage. Get quotes from these insurers and prioritize protection against the state's severe storms and flooding risks while ensuring adequate rebuilding costs and liability coverage.
Common questions Maryland homeowners ask when shopping for home insurance:
No, standard homeowners insurance policies exclude flood damage from coverage. Floods are considered separate natural disasters that require specialized flood insurance, which you must purchase through the National Flood Insurance Program or private insurers. This coverage gap exists regardless of whether flooding occurs from hurricanes, heavy rainfall, or overflowing waterways.
Your dwelling coverage needs to match the full cost to rebuild your home, which differs from its market value. Inventory your belongings to determine adequate personal property coverage amounts. Consider getting a professional appraisal or using construction cost calculators to establish accurate rebuild estimates for proper protection.
Flooding drives up Maryland home insurance rates as insurers face increased property damage risks and claims payouts, prompting premium adjustments statewide. Coastal areas and the Eastern Shore experience particularly pronounced rate impacts due to higher flood exposure. However, homeowners can secure discounts by installing flood-resistant materials and protective measures like sump pumps or elevated utilities, which reduce potential damage and help lower overall premiums.
Replacement cost coverage pays the full amount to replace your damaged belongings with new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would cover buying a brand new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Maryland-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Maryland homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Maryland's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Maryland needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Maryland's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Maryland homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
