Homeowners Insurance Maryland

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Average Homeowners Insurance in Maryland: $700

Median Home Price in Maryland: $260,900

Maryland homeowners insurance rates in December 2013 stood at an average of $700 as compared to $700 in November 2013.

Insurance Premium Saving Tips in Maryland

  • Bundle your insurance:

    Bundling home and car insurance in Maryland with the same provider will have approximately $70 to $105 of savings in Maryland

  • Safety Systems:

    Having safety systems at home can save up to $123 in Maryland

  • New Home:

    If your home was built within the past 10 years in Maryland, you could save up to $140

  • Senior Discounts:

    Senior citizens (55 or older) in Maryland could save approximately $140


Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under590
$50,000 to $74,999474
$75,000 to $99,999462
$100,000 to $124,999530
$125,000 to $149,999600
$150,000 to $174,999655
$175,000 to $199,999705
$200,000 to $299,999817
$300,000 to $399,9991,003
$400,000 to $499,9991,204
$500,000 and Over1,751

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under116
$14,000 to $19,999125
$20,000 to $25,999140
$26,000 to $31,999163
$32,000 to $37,999165
$38,000 to $43,999187
$44,000 to $49,999188
$50,000 to $74,999216
$75,000 to $99,999 267
$100,000 and Over369

Average homeowners insurance by county

CountyHome Insurance Cost
Garrett County$573 to $779
Washington County$584 to $793
Frederick County$607 to $824
Baltimore County$596 to $806
Montgomery County$640 to $865
Charles County$608 to $825
Prince Georges County$602 to $814
Cecil County$595 to $806
St. Marys County$607 to $822
Somerset County$571 to $776
Howard County$635 to $859
Caroline County$585 to $795
Carroll County$611 to $827
Anne Arundel County$616 to $833
Harford County$602 to $815
Calvert County$618 to $840
Kent County$595 to $810
Queen Annes County$616 to $836
Dorchester County$580 to $788
Allegany County$563 to $763
Wicomico County$578 to $784
Worcester County$595 to $810
Talbot County$612 to $834

Recent home insurance reviews

Company: Allstate,
Location: None

I pay about $700 a year for my home insurance (3 bedrooms, 2 bathrooms, colonial style) it is a good price from Allstate. I get about $300,000 of coverage. I would give it a 5. I have been with Allstate for about 3 years. My agent is very nice and gave my a good price because bundle my car and home insurance. I do have a swimming pool and my deductible is $500. I also have a security system which give me an additional discount on the price I pay. I would highly recommend Allstate for home and car insurance. My home is about 1 mile away from the nearest fire station and we have a fire hydrant on the edge of our yard.


Company: Geico,
Location: Rockville city, MD

I currently way overpay for house insurance, I pay $500 a month with Geico and its eating a good portion of my monthly budget. Im getting full coverage on everything but Iam still not sure the cost is worth it. Every time I've called they have been receptive and pleasant to talk to but the cost is still a big factor in the back of my mind. I bundle my home and auto insurance together, and the auto insurance adds another $300 a month. I'm definitely glad I have insurance through Geico but wish there was some way that I could pay less.


Home Insurance Monthly Trends

The below graph compares Marylands home median prices against, renters and owners home insurance average rates in Maryland.

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