The best home insurance companies in Maryland are State Farm, Chubb, Nationwide, Farmers, and Homesite. State Farm leads in affordability, Chubb excels in customer service, and Nationwide offers the best coverage options. Explore how these top picks compare below.
Best Homeowners Insurance in Maryland
Updated: June 20, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Maryland are State Farm, Chubb and Nationwide.
State Farm offers the best overall home insurance for most Maryland homeowners, including those with a claims history.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Maryland?
| State Farm | 92 | 1 | 2 | 3 |
| Chubb | 83 | 5 | 1 | 2 |
| Nationwide | 79 | 4 | 4 | 1 |
| Farmers | 74 | 3 | 3 | 4 |
| Homesite | 63 | 2 | 5 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what's best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 92 | Overall |
| State Farm | 92 | Older Homes |
| State Farm | 92 | Newer Homes |
| State Farm | 92 | High-Fire-Risk Areas |
| State Farm | 92 | With Claims History |
Best Maryland Home Insurance Reviews
Explore our top home insurance picks for Maryland residents, spotlighting leaders in affordability, customer service and coverage options to help you make an informed choice.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most Maryland homeowners. The provider is ranked highly in terms of customer satisfaction by J.D. Power as well, ranking seventh nationally. State Farm offers unique add-ons like an Increased Dwelling Limit and extensive coverage options, including extended replacement cost coverage and scheduled personal property coverage for prized possessions.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $72 | $869 |
| Newer Homes | $72 | $869 |
| Older Homes | $122 | $1,458 |
| Older Homes in High-Fire-Risk Areas | $122 | $1,458 |
Chubb: Best for Customer Service
Chubb is the most expensive provider for home insurance in Maryland, but it offers strong coverage and customer service scores. It's the top-rated provider for both customer and claims satisfaction, according to recent J.D. Power studies, and stands out with options like HomeScan® infrared inspections to detect hidden issues, employment practices liability coverage for household staff, and valuable articles insurance with agreed value and breakage protection for collectibles.
Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:1 claim in past 5 years
| Newer Homes | $69 | $831 |
| Newer Homes in High-Fire-Risk Areas | $72 | $862 |
| Older Homes | $87 | $1,048 |
| Older Homes in High-Fire-Risk Areas | $91 | $1,087 |
Nationwide: Best for Coverage
Although not the most affordable option, Nationwide still ranks third overall in the state, mainly due to its coverage score. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. According to J.D. Power, Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $81 | $976 |
| Newer Homes in High-Fire-Risk Areas | $84 | $1,010 |
| Older Homes | $166 | $1,993 |
| Older Homes in High-Fire-Risk Areas | $172 | $2,063 |
How to Find the Best Home Insurance in Maryland
We've created a straightforward guide to help you confidently choose the right coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside, and local risk factors that might affect your coverage. Consider how these elements impact the amount you should be insured for.
- 2
Research costs and discounts
Figure out how much home insurance costs in Maryland to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings. These may include bundling options or home safety device installations.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Maryland. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons that enhance your policy.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Ensure the quotes are an apples-to-apples comparison for accuracy. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone, ensuring consistency in coverage amounts.
- 5
Understand additional coverage options
Consider optional coverages like water backup, jewelry, or umbrella policies to enhance protection. Assess your unique needs beyond basic insurance to safeguard against specific risks such as natural disasters or theft.
Best Homeowners Insurance in Maryland: Bottom Line
State Farm, Chubb and Nationwide are the best-rated homeowners insurance providers in Maryland. Still, shopping around and reviewing coverage details can help you choose the right insurer for your specific needs.
Best Home Insurance in Maryland: FAQ
Explore our FAQ section for tips on selecting the right home insurance provider in Maryland.
Which company is best for home insurance in Maryland?
State Farm is the best homeowners insurance provider in Maryland due to its leading affordability, high customer service ranking, and versatile coverage options. Chubb, Nationwide, Farmers and Homesite are also excellent choices in Maryland.
Who has the most affordable homeowners insurance in Maryland?
Affordable homeowners insurance in Maryland varies by individual circumstances and coverage needs. However, the average cost of homeowners insurance in Maryland is $1,071 annually.
How do you get the best homeowners insurance in Maryland?
To find the best home insurance in Maryland, decide on your coverage needs, research costs and providers and compare multiple quotes.
How We Decided the Best Home Insurance in Maryland: Our Methodology
We rated the best homeowners insurance providers in Maryland using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.