Maryland's best home insurance companies 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: November 8, 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
Your ideal home insurance provider depends on your home type and personal needs. State Farm leads across multiple categories, including coverage for older homes, newer homes, high-fire-risk areas and homeowners with claims history.
| 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
State Farm, Chubb and Nationwide lead Maryland's home insurance market. State Farm offers the best affordability, Chubb excels in customer service and Nationwide provides the most coverage options.
State Farm: Best for Affordability
State Farm is the most affordable home insurance provider for most Maryland homeowners. J.D. Power also ranks the provider highly in terms of customer satisfaction, ranking it seventh nationally. State Farm offers 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:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Good
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
Nationwide isn't the most affordable option, but it ranks third overall in the state because of its coverage score. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. J.D. Power ranks Nationwide eighth overall for customer service and fifth for claims satisfaction.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
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
Finding the right home insurance requires comparing coverage options, costs and provider quality.
- 1Determine your coverage needs
Decide on the coverage level you need based on your home's value, personal belongings and local risk factors. These elements determine the amount of insurance you need.
- 2Research costs and discounts
Check how much home insurance costs in Maryland to identify genuine savings. Look for discounts like bundling policies or installing home safety devices to lower your premium.
- 3Find the best providers
Evaluate customer service ratings, pricing for your situation and coverage add-ons. Narrow your search for the best and cheapest home insurance in Maryland to providers offering the right combination of affordability and coverage quality.
- 4Compare multiple quotes
Obtain quotes from multiple providers through various channels, including online, by phone and through agents. Online estimates sometimes differ from agent quotes, so compare the same coverage amounts across all methods.
- 5Consider additional coverage
Optional coverages like water backup, jewelry insurance or umbrella policies provide extra protection. Add coverage for specific risks like natural disasters or theft based on your needs.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.