Maryland Home Insurance
Maryland's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$1,500/yr
Dominant risk
Coastal flood & wind
Hazard tier
Medium
Estimate your Maryland home insurance
Estimated annual home insurance
$1,911
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Maryland home insurance: what to know
Maryland premiums are near average, but Chesapeake Bay and Atlantic communities carry meaningful flood and wind exposure.
Even in a moderate-hazard state like Maryland, standard policies exclude flood and earthquake — check whether your specific location needs either, and insure your home to full replacement cost rather than market value.
Maryland home insurance FAQ
How much does home insurance cost in Maryland?
Homeowners insurance in Maryland averages roughly $1,500 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Maryland?
The dominant natural risk in Maryland is coastal flood & wind. Maryland premiums are near average, but Chesapeake Bay and Atlantic communities carry meaningful flood and wind exposure.
Does Maryland home insurance cover floods and earthquakes?
No. Standard homeowners policies in Maryland — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement.
How can I lower my home insurance in Maryland?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. Discounts for a new roof, security and water-leak sensors, and a claims-free history add up. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.