Baltimore Insurance Rates:

Baltimore ,MD Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Baltimore, MD homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Baltimore, MD is $1329. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Baltimore, MD: Customer-Reviewed Options


Baltimore, MD Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Baltimore, MD. VHome Insurance will help you navigate the world of homeowners insurance coverages in Baltimore, MD.

Coverage Level Average Annual Premium
$100,000 $532
$200,000 $904
$300,000 $1,116
$400,000 $1,701
$500,000 $2,140


Baltimore, MD Homeowners Insurance Rates by ZIP Code

Home insurance costs in Baltimore can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
000111 $111
21223 $1,218
21205 $1,209
21210 $1,368
21209 $1,328
21212 $1,308
21231 $1,305
21230 $1,303
21201 $1,288
21202 $1,289
21211 $1,282
21214 $1,268
21224 $1,279
21206 $1,256
21218 $1,259
21239 $1,251
21229 $1,247
21215 $1,249
21217 $1,250
21213 $1,230
21216 $1,233


Baltimore, MD Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Baltimore, MD, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,363
$1000 Deductible $1,219
$1500 Deductible $1,150
$2500 Deductible $1,037
$5000 Deductible $877



Top Home Insurance Agents Near Baltimore, MD

Home Insurance Company Near Baltimore, MD Homeowners Insurance Agency Near Baltimore, MD Address
State Farm Andy Pyo 374 Maple Ave E Ste 200, Vienna, VA, 22180-4718
Travelers Crawford Yingling Inc 58 W MAIN ST, WESTMINSTER, MD, 21158
Travelers Mcnamara Financial 555 RYAN RUN RD STE 101A, YORK, PA, 17404
Nationwide Payne Insurance Agency Inc 3600 14th St NW, Washington, DC, 20010
Travelers Psa Insurance Inc 11311 MCCORMICK RD STE 500, HUNT VALLEY, MD, 21031

Baltimore, MD Home Insurance Agents for Top Companies


Baltimore, MD Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Baltimore Highlands CDP, Maryland $86 $114 $171
Lansdowne CDP, Maryland $85 $113 $169
Brooklyn Park CDP, Maryland $86 $115 $172


Baltimore, MD Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Baltimore, MD3.9%11.3%
Baltimore Highlands3.38%12.72%
Brooklyn Park3.47%12.86%

Baltimore Renters Insurance as a Percentage of Rent

Baltimore Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 6,176 5.0% $348
$200 to $299 6,838 5.0% $798
$300 to $499 9,008 7.0% $1248
$500 to $749 17,667 14.0% $1923
$750 to $999 31,385 26.0% $2673
$1,000 to $1,499 34,909 29.0% $3798
$1,500 or more 13,696 11.0% $5448

Cost Of Homeowners Insurance By Street Near Baltimore, MD

Streets in Baltimore Area Homeowners Insurance Cost
Little Walsh St, Loch Raven Rd, Whitfield Rd, N Haubert St, Merryman Ln, Malvern Ave, Violet Hill White Way, S Durham St, N East Ave, Parr Ave$633
Blyden Rd, Overview Rd, Plymouth Rd, Gloster Ave, Annetta Ave, Violetville Ln, Angelica Ter, N Chapel Gate Ln, Little Stafford St, Ken Oak Rd$675
E Churchill St, Ridgely St, Joh Ave, Walnut Ave, Pembridge Ave, Everett St, Glenarm Ave, Boyer St, Elmora Ave, McKean Ave$734
Frankfurst Ave, Darley Ave, Delmont Ave, Williamson Ave, Mince Aly, 4th St, Lothian Rd, Queen Anne Rd, Manorview Rd, Talbot Rd$676
Lorman St, Mayfield Ave, Dantrey Ct, Rosalie Ave, Charlotte Ave, Belt St, E Old Coldspring Ln, Yolando Rd, Thomas Ave, Edgehill Ave$704
E Barney St, Mill Race Rd, Hicks Ave, Bryant Ave, Sapp St, Paine St, Quinton St, State Hwy 150, Lawrence St, Jonquil Ave$675
Birchview Ave, Denview Way, Jack St, E 27th St, Broadmoor Rd, Perring Manor Rd, Egerton Rd, Tunlaw Rd, Wilhelm St, Peerless Ave$709
Petrolia Ave, Melbourne Rd, Ethelbert Ave, Chandler Ave, Glade Ct, Fillmore St, E 34th St, Marlow Rd, Evergreen Ave, Beale Ct$655
Lawnview Ave, Belle Ave, W Hoffman St, S Arlington Ave, Comet St, Saint Benedict St, Springdale Ave, Gregor Way, E 36th St, Pelham Ave$676
Edgevale Rd, Menlo Dr, Gelston Dr, Kingston Rd, Abbott St, Rueckert Ave, Eldorado Ave, Hicks Ave, S Madeira St, S Franklintown Rd$669

Baltimore, MD Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Baltimore$100 to $103
Baltimore Highlands$103

Average Cost Of Home Insurance By Company In Areas Nearby Baltimore For Different Scenarios

Home Value ($) Deductible ($) Construction Type Age of Home (Years) Company Premium ($)
240,000 500 Frame 35 Aig Property Casualty Co. 1,059
380,000 1,000 Frame 10 Brethren Mutual Insurance Co. 871
330,000 1,000 Masonry 15 Cumberland Mutual Fire Insurance Co. 843
240,000 500 Frame 35 Donegal Mutual Insurance Co. 1,154
330,000 1,000 Masonry 15 Farmers Insurance Exchange 855
240,000 500 Frame 35 Frederick Mutual Insurance Co. 1,031
280,000 500 Frame 25 Horace Mann Insurance Co. 1,194
330,000 1,000 Masonry 15 Standard Guaranty Insurance Co. 2,917
280,000 500 Frame 25 Stillwater P & C Insurance Co. 1,385
240,000 500 Frame 35 Universal North America Insurance Co. 1,082


Baltimore, MD Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Baltimore Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,600$9,000
Net Savings to Baltimore Home Owner from High Deductible Plan $600


Baltimore, MD Home Insurance Costs With Home Replacement Value Scenarios

Scenario Baltimore, MD Home Replacement Value MORE than Home Value Baltimore, MD Home Replacement Value LESS than Home Value
Replacement Value $231,500 $154,500
Insurance Premium based on Replacement Value $1,075 $700
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $52,000
Premium Impact Insurance cheaper by $250/year Insurance costlier by $125/year


Example Baltimore Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceChubb Group of Insurance
Monthly Premium 326650
Year Built 195719691943
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $75000-$100000$250000-$300000$125000-$150000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500 Deductible