{"id":324397,"date":"2025-11-11T14:58:08","date_gmt":"2025-11-11T19:58:08","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=84714"},"modified":"2025-11-11T14:58:09","modified_gmt":"2025-11-11T19:58:09","slug":"best-in-maryland","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-maryland\/","title":{"rendered":"The Best Homeowners Insurance Companies in Maryland"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance in Maryland of 2021 Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>USAA, Allstate, Pennsylvania National Mutual, and State Farm remain on our Maryland shortlist; 2025 industry leaders also frequently include Amica, Erie, Nationwide, Travelers and Chubb, depending on your profile.<\/li><li>The <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheapest home insurance provider<\/a> can vary by ZIP code and profile in Maryland; recent 2025 rate studies show companies like Erie, USAA (eligibility required), Nationwide and State Farm often price among the lowest, but the cheapest in your area can differ.&nbsp;<\/li><li>In 2025, average Maryland premiums are about $1,300\u2013$1,450 per year for roughly $300,000 in dwelling coverage, and about $1,000\u2013$1,150 for $250,000.<\/li><\/ul>\n\n\n\n<p>Homeowners insurance isn\u2019t a legal requirement in Maryland, but if you own a home, it\u2019s a good investment. In 2025, typical Maryland premiums average about $1,300\u2013$1,450 per year for a standard HO-3 policy with roughly $300,000 in dwelling coverage, and about $1,000\u2013$1,150 per year for $250,000 in dwelling coverage \u2014 below the U.S. average according to recent state analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>. <\/p>\n\n\n\n<p>Finding the best <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\" class=\"achor-toggles\">home insurance<\/a> in Maryland can be challenging because pricing and availability change with risk and market conditions. For this 2025 update, we kept USAA, Allstate, Penn National Mutual, and State Farm on our Maryland shortlist and evaluated them using average rates, discounts, coverage options, financial strength, and third-party indicators such as the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, <a href=\"https:\/\/www.ambest.com\/ratings\/index.html\">AM Best financial strength ratings<\/a>, and the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance in Maryland<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<ul><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best Maryland Home Insurance for Military-Focused Coverage<\/li><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best Maryland Home Insurance for Optional Coverages<\/li><li><a href=\"#penn\" rel=\"nofollow\" class=\"achor-toggles\">Pennsylvania National Mutual Casualty Insurance Company<\/a>: Best Maryland Home Insurance for Discounts<\/li><li><a href=\"#state\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: Best Maryland Home Insurance for Online Tools<span style=\"font-size: 1.125rem;\"><\/span><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"charte\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_60b8feaf2453d\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Maryland Home Insurance Companies <\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL PREMIUM*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER CUSTOMER SATISFACTION**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tStandard &#038; Poor\u2019s (S&#038;P) rates creditworthiness for businesses, countries and cities that issue bonds.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_60b8feaf2453d-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$832<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>889<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8feaf2453d-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,371<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8feaf2453d-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Penn National<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$707<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>BBB<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_60b8feaf2453d-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,007<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>AA<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information updated in 2025; figures and context reflect current analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and other sources cited below.<\/em><\/p>\n\n\n\n<p><em>*Data sources include 2025 statewide rate studies from Bankrate and comparable third-party analyses.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2025 U.S. Home Insurance Study. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n            <span class=\"b-anchor\" id=\"usaa\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA is one of the highest-rated home insurance companies in Maryland, with excellent customer service, good coverage options, and low rates for military members.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$832*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">889**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA is one of the highest-rated home insurance companies in Maryland, with excellent customer service, good coverage options, and low rates for military members.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great customer service<\/li>\n                            <li>Competitive prices<\/li>\n                            <li>Policies include replacement cost coverage<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Must be affiliated with the military to get coverage<\/li>\n                                        <li>Not many discounts<\/li>\n                                        <li>Few local office branches<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\">Policy bundling<\/a><\/li>\n<li>Protective device<\/li>\n<li>Claims-free<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Home sharing insurance<\/li>\n<li>Identity theft coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Flood insurance<\/li>\n<li>Military uniform coverage<\/li>\n<li>Valuable personal property coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More USAA Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Home Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"allstate\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for Optional Coverages\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverages<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers an impressive list of optional coverages, including some unique endorsements, that might help Maryland homeowners customize a policy to meet their specific needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,371<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers an impressive list of optional coverages, including some unique endorsements, that might help Maryland homeowners customize a policy to meet their specific needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>More discounts than some competitors<\/li>\n                            <li>Plenty of add-on coverage<\/li>\n                            <li>Resource- and tools-packed website<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>High number of company complaints<\/li>\n                                        <li>More expensive premiums than other companies<\/li>\n                                        <li>Below-average ratings for claims satisfaction<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Deductible rewards<\/li>\n<li>Claims-free<\/li>\n<li>Multi-policy<\/li>\n<li>Responsible payer<\/li>\n<li>Welcome and loyalty<\/li>\n<li>Home buyer<\/li>\n<li>Automatic payments<\/li>\n<li>Protective device<\/li>\n<li>Early signing<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage <\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Host Advantage insurance<\/li>\n<li>Flood insurance<\/li>\n<li>Identity theft restoration<\/li>\n<li>Water backup coverage<\/li>\n<li>Scheduled personal property coverage<\/li>\n<li>Business property coverage<\/li>\n<li>Sports equipment coverage<\/li>\n<li>Green improvement reimbursement<\/li>\n<li>Yard and garden coverage<\/li>\n<li>Electronic data recovery coverage<\/li>\n<li>Musical instruments coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"penn\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Penn National Mutual Insurance <\/h2>\n\n\n                                                \n\n\n<section id=\"pennsylvania-national-mutual-casualty-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Pennsylvania National Mutual Casualty Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With Penn National Mutual Insurance, Maryland homeowners may be able to take advantage of generous discounts that could help them get a lower premium.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=345176-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Get a quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$707*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With Penn National Mutual Insurance, Maryland homeowners may be able to take advantage of generous discounts that could help them get a lower premium.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Premiums cheaper than competitors<\/li>\n                            <li>Many available discounts<\/li>\n                            <li>Strong financial rating<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>No online quotes available<\/li>\n                                        <li>Very few optional coverages<\/li>\n                                        <li>Not rated by J.D. Power<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Claims-free<\/li>\n<li>Non-smoking household<\/li>\n<li>New homebuyer<\/li>\n<li>Retired homeowner<\/li>\n<li>Recent renovations<\/li>\n<li>Roof replacement<\/li>\n<li>Fire protective device<\/li>\n<li>Burglar protective devices<\/li>\n<li>Wind mitigation construction<\/li>\n<li>Smart home protective devices<\/li>\n<li>Automatic payments<\/li>\n<li>Multi-policy<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul>\n<li style=\"list-style-type: none;\">\n<ul>Replacement cost coverage<\/ul>\n<\/li>\n<p>Valuable items coverage<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n            <span class=\"b-anchor\" id=\"state\" > <\/span>\n    \n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Online Tools\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Online Tools<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has some of the best online tools and resources, which might make it a great option for first-time home insurance buyers in Maryland that need help determining the right amount of coverage for their needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,007*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has some of the best online tools and resources, which might make it a great option for first-time home insurance buyers in Maryland that need help determining the right amount of coverage for their needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Financially strong<\/li>\n                            <li>Detailed online quotes<\/li>\n                            <li>Helpful tools and resources for first-time home insurance buyers<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Limited discounts<\/li>\n                                        <li>Discounts are not available in every state <\/li>\n                                        <li>Below-average claims satisfaction reviews<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts <\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Home safety device<\/li>\n<li>Impact-resistant roof<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Additional Coverage<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Replacement cost coverage<\/li>\n<li>Identity restoration coverage<\/li>\n<li>Flood insurance<\/li>\n<li>Water back up coverage<\/li>\n<li>Earthquake insurance<\/li>\n<li>Ordinance\/law coverage<\/li>\n<li>Inflation coverage<\/li>\n<li>Personal articles coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More State Farm Insurance Reviews<\/h4>\n                <div> <ul>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/state-farm-renters-review\/\">State Farm Renters Insurance Review<\/a><\/li>\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*Data sources include 2025 statewide rate studies from Bankrate and comparable third-party analyses.<\/p>\n\n\n\n<p>**J.D. Power\u2019s 2025 U.S. Home Insurance Study. Based on a 1,000-point scale.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost of Home Insurance in Maryland\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Home Insurance in Maryland<\/h2>\n\n\n\n<p>Using 2025 statewide analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and other sources, we compared the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance<\/a> rates in Maryland. Typical premiums average about $1,300\u2013$1,450 per year for a standard policy with roughly $300,000 in dwelling coverage, while profiles with about $250,000 in dwelling coverage generally run about $1,000\u2013$1,150 per year. Actual quotes will vary by carrier, ZIP code, deductible and discounts, and may differ from statewide averages published by outlets like <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/p>\n\n\n\n<p>These are sample ranges and should be used for comparative purposes only. Your <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\">quotes<\/a> may be different, and coverage level matters: insurers weigh factors such as roof age\/material, prior claims, credit-based insurance score, mitigation devices and deductibles.<\/p>\n\n\n\n<p>The coverage limits in the methodology are as follows:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><li>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/li><\/ul>\n\n\n\n<p>Additionally, homeowners in Maryland\u2019s neighboring states pay more or less for home insurance, depending on the risks in the area. Maryland\u2019s coastal and Chesapeake Bay exposure means some shoreline ZIP codes face higher wind risk and special hurricane or named-storm deductibles, and high-tide flooding days along the Mid-Atlantic are increasing, which can influence pricing and underwriting. <a href=\"https:\/\/insurance.maryland.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Learn how hurricane deductibles work in Maryland<\/a> and see NOAA\u2019s outlook on <a href=\"https:\/\/oceanservice.noaa.gov\/hazards\/sealevelrise\/sealevelrise-high-tide-flooding.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">rising high-tide flooding<\/a>.<\/p>\n\n\n\n<p>However, every Maryland homeowner pays a different rate for <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">home insurance coverage<\/a>. Premiums are personalized based on factors like ZIP code, age, claims history, roof age and materials, the size and condition of the home, the amount of coverage requested, and whether you qualify for discounts or choose higher deductibles.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheapest\" title=\"The Cheapest Homeowner Insurance Companies in Maryland\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Maryland<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Brethren Mut Ins Co<\/td><td>$554<\/td><\/tr><tr><td>Penn National<\/td><td>$707<\/td><\/tr><tr><td>Travelers<\/td><td>$766<\/td><\/tr><tr><td>USAA<\/td><td>$832<\/td><\/tr><tr><td>Donegal<\/td><td>$941<\/td><\/tr><tr><td>State Farm<\/td><td>$1,007<\/td><\/tr><tr><td>Erie<\/td><td>$1,203<\/td><\/tr><tr><td>Ace Ltd Grp<\/td><td>$1,239<\/td><\/tr><tr><td>American Family<\/td><td>$1,272<\/td><\/tr><tr><td>Allstate<\/td><td>$1,371<\/td><\/tr><tr><td>Nationwide<\/td><td>$1,381<\/td><\/tr><tr><td>Chubb<\/td><td>$1,392<\/td><\/tr><tr><td>PURE<\/td><td>$1,911<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*Based on $250,000 in dwelling coverage; table reflects a 2021 illustrative snapshot and not current 2025 quotes.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top3a\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Maryland \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Maryland&nbsp;<\/h2>\n\n\n\n<ul><li>Brethren Mutual Insurance Company \u2013 $554 per year<\/li><li>Pennsylvania National Mutual Casualty Insurance \u2013 $707 per year<\/li><li>Travelers \u2013 $776 per year<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top3b\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Maryland\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Maryland<\/h2>\n\n\n\n<ul><li>PURE Insurance \u2013 $1,911 per year<\/li><li>Chubb \u2013 $1,392 per year<\/li><li>Nationwide \u2013 $1,381 per year<\/li><\/ul>\n\n\n\n<p>In the 2021 dataset shown above, Brethren Mutual had the lowest average and PURE the highest. In 2025, premiums are materially higher industry-wide and the cheapest carrier varies by location and profile; compare multiple insurers side by side \u2014 national studies show companies like Erie, USAA (eligibility required), Nationwide and State Farm often rank among the lower-cost options, while Farmers and Allstate tend to price above average in many profiles (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>).<\/p>\n\n\n\n<p>Keep in mind that both premiums are based on the average premiums paid by customers and that neither necessarily represents what you would pay. To get a more accurate quote, you will need to contact each company directly.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"common-perils\" title=\"Common Home Insurance Perils in Maryland\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Maryland<\/h2>\n\n\n\n<p>Because Maryland is located on the coast, there is a strong risk of severe weather that could potentially damage or destroy homes. For instance, <a href=\"https:\/\/mema.maryland.gov\/Pages\/flood-Prone-Zones.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">flooding is a common occurrence<\/a> driven by storm surge, tidal\/high-tide flooding and heavier downpours. Standard homeowners policies exclude flood; separate flood insurance is needed (see <a href=\"https:\/\/www.floodsmart.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">FloodSmart<\/a>). NOAA also reports that high-tide flooding days are increasing along the Mid-Atlantic, including Chesapeake Bay communities (<a href=\"https:\/\/oceanservice.noaa.gov\/hazards\/sealevelrise\/sealevelrise-high-tide-flooding.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA outlook<\/a>).<\/p>\n\n\n\n<p>Additionally, wind and severe convective storms are frequent drivers of insured losses in the region, and coastal policies may include higher wind or named-storm deductibles. FEMA reports Maryland maintains well over 100,000 NFIP flood policies, but take-up is far from universal in at-risk areas (<a href=\"https:\/\/www.fema.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NFIP policies by state<\/a>; <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NOAA Billion-Dollar Disasters<\/a>).<\/p>\n\n\n\n<p>Wildfires can also damage homes in Maryland. The Maryland Forest Service reports the state typically sees hundreds of mostly human-caused fires annually, concentrated in spring and fall (<a href=\"https:\/\/dnr.maryland.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">wildfire statistics<\/a>).&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Add-on home insurance coverage in Maryland&nbsp;<\/h3>\n\n\n\n<p>If you look on your <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/home-insurance-declaration-page\/\" class=\"achor-toggles\">home insurance declaration page<\/a>, you\u2019ll see that your home insurance policy <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\" class=\"achor-toggles\">doesn\u2019t cover everything<\/a>. That\u2019s why Maryland homeowners should consider purchasing add-on coverages for more protection and to fill gaps in their standard policy.<\/p>\n\n\n\n<p>Flood insurance is one of the most important coverage considerations in Maryland, even if you don\u2019t live along the immediate coastline. Most insurers can place National Flood Insurance Program (NFIP) policies, and some offer private flood options; NFIP policies usually take effect after a 30-day waiting period (<a href=\"https:\/\/www.fema.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">FEMA waiting period<\/a>). Water backup\/sump pump coverage can also be beneficial, because home insurance usually doesn\u2019t <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">cover this type of water damage<\/a> without an endorsement; NFIP only covers sewer\/drain backup when a flood is the proximate cause (<a href=\"https:\/\/www.floodsmart.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">FloodSmart coverage<\/a>).<\/p>\n\n\n\n<p>If you keep valuable items in your home, like fine art, jewelry, collections, money, or furs, you may want to consider purchasing scheduled personal property coverage. All of the providers we reviewed offer a type of policy that will extend policy coverage limits for valuable items.<\/p>\n\n\n\n<p>Here are some Maryland home insurance resources that can help you learn more about your coverage needs:<\/p>\n\n\n\n<ul><li>Maryland Insurance Administration\u2019s <a href=\"https:\/\/insurance.maryland.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Homeowners Insurance Guide<\/a><\/li><li>Baltimore Office of Sustainability\u2019s <a href=\"https:\/\/www.baltimoresustainability.org\/flood-insurance\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Flood Insurance Guide<\/a><\/li><li>Maryland Insurance Administration\u2019s <a href=\"https:\/\/insurance.maryland.gov\/Consumer\/Pages\/InsurancePreparednessNaturalDisasters.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Insurance Preparedness for Natural Disasters<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Maryland Home Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Maryland Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_60b900fe2455b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Which homeowners insurance is the best?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\"><span style=\"font-weight: 400;\">best homeowners insurance<\/span><\/a><span style=\"font-weight: 400;\"> in Maryland is different for everyone. <\/span><span style=\"font-weight: 400;\">Reviews.com found that USAA and Allstate offer some of the best home insurance in the state, with USAA providing slightly cheaper premiums on average.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61dc8a073555b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the average cost of homeowners insurance in Maryland?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\"><span style=\"font-weight: 400;\">home insurance quote<\/span><\/a><span style=\"font-weight: 400;\"> in Maryland is $1,124 per year, based on 2021 data from Bankrate.com.<\/span><span style=\"font-weight: 400;\"> However, keep in mind that everyone pays a different rate based on individualized factors like age, ZIP code, and coverage limits. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60b901172455d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest insurance in Maryland?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on Bankrate\u2019s 2021 data, Brethren Mutual Insurance has the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\"><span style=\"font-weight: 400;\">cheapest home insurance<\/span><\/a><span style=\"font-weight: 400;\"> in Maryland, with an average annual rate of $554. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology&nbsp;<\/h2>\n\n\n\n<p>We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors<\/p>\n\n\n\n<ul><li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li><li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li><li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li><li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li><\/ul>\n\n\n\n<p>Averages are based on 2025 statewide analyses and rate studies from trusted sources such as Bankrate, NerdWallet and Forbes Advisor. These are sample ranges and should be used for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report USAA, Allstate, Pennsylvania National Mutual, and State Farm remain on our Maryland shortlist; 2025 industry leaders also frequently include Amica, Erie, Nationwide, Travelers and Chubb, depending on your profile. The cheapest home insurance provider can vary by ZIP code and profile in Maryland; recent 2025 rate studies show companies like Erie, USAA (eligibility [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362293,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Maryland Homeowners Insurance Companies in 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the best homeowners insurance in Maryland evaluates providers based on premiums, coverage add-ons, customer satisfaction, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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