The Best Home Insurance in Maryland for 2025

Chubb and NJM are among the best home insurance companies in Maryland, according to our analysis.

To help you find the best home insurance in Maryland, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.6 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here are more details about the best homeowners insurance companies in Maryland.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders with seasonal homes in Maryland are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

NJM offers standard coverage that many other companies charge extra for. For example, NJM will pay the full cost to rebuild your home even if it’s more than your dwelling limit. (Not all companies offer this coverage, and even fewer include it with standard policies.) It will also pay enough for you to buy brand-new replacements for your stuff if it's stolen or destroyed.

On top of its robust coverage options, NJM stands out for customer service. It receives far fewer complaints than expected, according to the National Association of Insurance Commissioners. This suggests NJM’s customers are happy with the service they receive.

» READ MORE: NJM homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the NAIC. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options, as well as standard policies that include extra dwelling coverage. This is useful in case rebuilding your home costs more than expected.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also get a discount if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks specific to the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Maryland is $1,945. That’s 8% less than the national average of $2,110.

Those rates are for homeowners with no recent claims on their record. In Maryland, policyholders with one recent claim pay an average of $2,130 per year — an increase of 10%.

How much you pay for homeowners insurance in Maryland depends on where you live. For instance, the average cost of home insurance in Baltimore is $2,440 per year, while homeowners in Silver Spring pay $1,705 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Maryland average of $1,945.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when evaluating home insurance in Maryland.

Hurricanes and tropical storms

If you live near the Maryland coast, make sure you have enough coverage for wind and flood damage from hurricanes. Home insurance usually covers wind damage but not flooding, which we cover in the next section.

Depending on where you live, you may have a separate wind deductible. This is often a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

Read more about hurricane insurance.

Flooding

Homeowners insurance usually doesn't cover flood damage. As a result, homeowners in at-risk areas may need to buy separate flood insurance. You can get flood coverage anytime, but there’s typically a 30-day waiting period before it takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Learn more about how to choose the best flood insurance.

Winter weather

Home insurance will cover most winter storm damage, but some types of damage may need extra coverage. For instance, if you have damage from water seepage caused by snowmelt, you’ll likely need a separate flood insurance policy to cover it. Your policy typically won't cover damage caused by negligence either, such as frozen pipes bursting if you don’t keep the temperature in your home high enough while you’re out of town.

Wildfires

Homeowners insurance generally covers damage from fires, but make sure you have enough coverage in case of wildfires. Pay particular attention to your dwelling coverage limit. This is what the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk with your insurer to make sure you have enough coverage to rebuild if necessary.

» MORE: Home insurance calculator: Estimate your rate

Maryland insurance department

The Maryland Insurance Administration (MIA) oversees the state’s insurance industry. Its website provides resources about insurance rates and claims, as well as information to help you file a complaint against your insurance company. You can access the complaint form on the agency's website. If you have questions or need help, call 800-492-6116.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.