Seguro de viviendas en Maryland

Protect Your Home With Home Insurance in Maryland

homeowners insurance Maryland From mountains to farmland to beaches, Maryland has it all. And depending on the time of year, residents in the Old Line State can experience all types of weather, too. That’s why homeowners insurance in Maryland is important to help protect against property damage when severe storms come. Through the AARP® Homeowners Insurance Program from The Hartford,1 you can get you the coverage you need no matter where you are in the state, including Baltimore, Columbia, Germantown or Silver Spring.**
To learn more about how homeowners insurance with The Hartford can help protect your home, call our representatives 888-413-8970 today. You can also get a homeowners insurance quote en línea.

Does Maryland Require Homeowners Insurance?

a couple knowing their home is protected with maryland home insurance The state of Maryland doesn’t require that you have homeowners insurance. However, your mortgage lender might because they want to make sure you’ve protected your home until your loan is paid off.

Discounts and Benefits for Homeowners Insurance in Maryland

The Hartford ofrece  home insurance discounts and benefits like:
  • Home security system discounts: Adding burglar alarms or other security systems can help you get discounts.
  • Home and Auto Insurance Bundle: You can get 5% off your car insurance and 20% off your home, condo or renters coverage if you bundle your policies.**
  • Claim-free discount: The more time you go without a claim, the more you can save on our homeowners policies.

How Much Is Homeowners Insurance in Maryland?

The average cost of Maryland homeowners insurance is $1,164. The national average home insurance cost is $1,428.2 However, these insurance rates vary throughout the country. Different factors also influence them, like your home’s size and its location.
To give you an idea of how insurance rates increase year over year, take a look at the table below:3
Año Maryland Avg. Homeowners Insurance Cost National Avg. Homeowners Insurance Cost
2019 $1,025 $1,272
2018 $1,071 $1,249
2017 $1,037 $1,211

How to Calculate Home Insurance in Maryland

couple searching for home insurance in maryland Homeowners rates vary with each individual property. Some factors that determine your rate include your home’s:
  • Replacement cost: The higher the cost of replacing your home after a loss, the more expensive your rate will be.
  • Coverage limits: The higher your coverage limits are, the higher your cost of homeowners insurance.
  • Age: Older homes can be more expensive to replace because of their unique construction techniques.
  • Location: The location of your home helps to determine your rate, including whether you live in a city or near water.

Maryland Homeowners Insurance Coverages

We’ve been helping Maryland homeowners protect their property for years. Coverage options that come with our homeowners insurance packages include:
On top of these, you can add additional coverages to help customize your Maryland home insurance policy, including:
To learn more about these coverages and other ways to customize your policy, call our representatives today at 877-422-2345.

Water Damage and Flood Insurance in Maryland

Maryland residents can face heavy rains and flash flooding. Water damage caused by flooding is not covered by your Maryland homeowners insurance. Instead, you can buy a separate flood insurance policy for peace of mind through the National Flood Insurance Program (NFIP). Without flood insurance, your home insurance company won’t cover damages if you file a claim.

Wind Mitigation Credits on Home Insurance in Maryland

Maryland can experience heavy winds. But if you have your home inspected and certified, you may be able to earn wind mitigation credits, which decrease your home insurance rate. These credits are discounts given to homes that have added protection for wind damage, like storm shutters.
Remember, these credits only help your average annual insurance premium go down. You won’t receive a rate increase because you don’t have these discounts.

Get a Fast and Free Quote for Home Insurance in Maryland

man getting a quote for homeowners insurance in maryland As you look for homeowners insurance quotes, remember the cheapest insurance companies in Maryland may not be the best. Comparing rates will help make sure you get the most for your money. Just make sure you’re also researching everything the policy offers for protection.
Learn more by getting a home insurance quote online today or by calling us at 877-422-2345. Our representatives consistently receive positive reviews for customer service.* You can count on them to help you find the coverage you need and the insurance discounts you deserve.
Última actualización: 22 de junio de 2023
2 Bankrate, “Best homeowners insurance in Maryland for 2023”
3 Insurance Information Institute (III), “Average Premiums for Homeowners and Renters Insurance by State, 2019”
4 Los beneficios médicos se calculan según los cargos usuales, habituales y razonables.
5 Does not provide coverage for water damage caused by direct or indirect flooding. Tampoco brinda cobertura para reservas de agua en cloacas y desagües ni para desbordes o descargas de bombas de achique si son causadas por inundaciones.
6 For an additional cost, you can get property protection for water backup or sump overflow that is not caused by flood or surface water. The Hartford’s basic coverage amount is $5,000 and other amounts may also be available. Contact your agent or a Hartford representative for further state-specific information about this coverage.
** El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y viviendas AARP de The Hartford.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.