5 Best Baltimore Homeowners Insurance Companies (2025)
Amica and Chubb offer some of the best homeowners insurance policies in Baltimore.
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Written byCatherine Hiles
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Catherine Hiles
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom and is a Certified Financial Education Instructor. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
The average cost of homeowners insurance in Baltimore is $1,776 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible. That’s lower than the Maryland state average of $1,836 per year.
Homeowners insurance doesn’t cover flooding, so coastal homeowners will need to get a separate flood insurance policy. If you live in a ZIP code with a high crime rate, your premiums may be higher as well.
Here’s what you need to know about getting homeowners insurance in Baltimore.
Quick Facts
Amica, Chubb, and Erie are among the best homeowners insurance companies in Baltimore.
Baltimore homeowners can get flood insurance through the National Flood Insurance Program or a private insurer.
Homeowners insurance is more expensive in Baltimore than other Maryland cities.
Best home insurance companies in Baltimore
The right homeowners insurance policy for you depends on your situation and needs. That’s why it’s important to compare policies from multiple insurers before selecting the right policy for you. The five companies below are some of the best homeowners insurance companies in Baltimore to consider in your search.
Amica: Best for customer service
AmicaCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $116/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $176/mo |
Amica is the top-ranked insurer in the J.D. Power 2025 U.S. Home Insurance Study.[1] The company offers several customer service options, including via phone, email, or in person. You may be eligible for a discount on your premiums if you install safety features such as an alarm system, temperature monitoring, or detectors for water leaks or gas leaks.
Pros
Highest overall J.D. Power customer satisfaction rating
Quotes available online
Many available discounts
Cons
No physical locations in Maryland
Must finish quote process over the phone
Digital tools lacking compared to some other companies
Chubb: Best for older homes
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $120/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $198/mo |
Baltimore has the third-highest number of old homes in the U.S., with a median residential home age of 75.[2] If you live in an older home, consider Chubb Insurance.
The company offers extended replacement cost coverage that pays to rebuild your home to its original condition, even if the rebuild cost exceeds your policy’s limits. Chubb also offers a service that uses infrared technology to scan your home and identify potential future problems.
Pros
Extended replacement cost coverage available
Unique perks, like risk consulting and HomeScan
Second-highest overall J.D. Power customer satisfaction rating
Cons
Quotes not available online
May not be the cheapest company
Fewer discounts than some other insurers
Erie: Best for flood coverage
Erie InsuranceCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $129/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $197/mo |
Baltimore is prone to flooding along the coast, the Patapsco and Back river basins, and various tributaries. Homeowners insurance doesn’t cover flooding, so you’ll need a separate policy to protect you.
Erie Insurance offers flood insurance through American Bankers Insurance Company, which is a federally funded flood insurer. J.D. Power also ranked Erie No. 3 for customer satisfaction.
Pros
Offers flood insurance coverage
Standard policy includes guaranteed replacement cost coverage
Third-highest overall J.D. Power customer satisfaction rating
Cons
Quotes not available online
Limited information about coverage and discounts on website
Fewer discounts available than other insurers
Travelers: Best for green homes
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $99/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $172/mo |
Travelers offers several add-on policy options for eco-conscious homeowners in Baltimore. Green home coverage includes extra protection to rebuild your home with green materials following a covered loss. The insurer also offers a green home discount of up to 5% if your home already contains these materials.
Pros
Quotes available online
Green home coverage and discounts
Many optional coverages
Cons
Below-average J.D. Power customer satisfaction rating
Fewer discounts than some competitors
Doesn’t insure mobile or manufactured homes
USAA: Best for veterans
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $97/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $133/mo |
Baltimore’s proximity to Fort George G. Meade and Aberdeen Proving Ground makes it popular with military and veterans. USAA tailors its homeowners insurance policies to benefit military families. In addition to standard replacement cost coverage, the company offers coverage for uniforms and military equipment, and it’ll waive your personal property deductible if the damage is caused by war.
Pros
Unique coverages and benefits tailored to active-duty military and veterans
Standard replacement cost coverage available
High J.D. Power customer satisfaction rating
Cons
Access is limited to military members, veterans, and their families
Online quotes available only to members
No physical locations
Our editorial team analyzed regional and national home insurance companies that sell policies in Baltimore to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Baltimore?
Homeowners insurance in Baltimore costs an average of $1,776 per year for a policy with $300,000 of dwelling coverage and a $1,000 deductible.
Your home insurance costs will depend on your ZIP code, your home’s age and condition, the amount of coverage you need, and your claims history. A home insurance calculator can help you estimate your premiums.
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Cheapest home insurance companies in Baltimore
The table below shows the cheapest homeowners insurance companies in Baltimore and the annual premiums for policies with $200,000, $500,000, and $750,000 in dwelling coverage.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| Travelers | $864 |
| USAA | $912 |
| Chubb | $960 |
| Erie | $1,116 |
| State Farm | $1,152 |
| Penn National | $1,236 |
| Homesite | $1,320 |
| Nationwide | $1,560 |
| Encompass | $1,848 |
| Allstate | $1,860 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,596 |
| Travelers | $2,064 |
| Penn National | $2,184 |
| State Farm | $2,208 |
| Erie | $2,364 |
| Chubb | $2,376 |
| Homesite | $2,604 |
| Nationwide | $3,228 |
| Allstate | $3,384 |
| Encompass | $4,008 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,088 |
| State Farm | $3,048 |
| Travelers | $3,156 |
| Penn National | $3,216 |
| Erie | $3,396 |
| Homesite | $3,468 |
| Chubb | $3,540 |
| Nationwide | $4,464 |
| Allstate | $4,524 |
| Encompass | $5,832 |
How much homeowners insurance do you need in Baltimore?
Maryland doesn’t require homeowners to get insurance, but if you have a mortgage, your lender will probably require it.[3] Even if you own your home outright, a homeowners insurance policy can protect your investment.
Homeowners insurance policies have four main types of coverage:
Dwelling coverage: Dwelling coverage pays to repair or rebuild your home in case of a covered peril, like a fire, wind damage, or sudden and accidental water damage. Consider how much dwelling coverage you need to completely rebuild your home.
Personal property coverage: If a covered peril damages or destroys your belongings (like your clothes, furniture, or electronics), personal property coverage can help replace them. Make sure your coverage equals the value of your belongings. Making a home inventory can help.
Additional living expenses coverage: If a covered peril makes your home uninhabitable, this coverage (also called loss of use) can help pay for hotels, restaurants, and other expenses above and beyond your usual cost of living.
Liability coverage: Liability insurance can help pay for legal expenses if someone is injured on your property or a member of your household causes damage to someone else’s property.
To determine how much homeowners insurance you need in Baltimore, consider how much it would cost to rebuild your home, the value of your personal property, and your lawsuit risks. And remember that homes in certain Baltimore ZIP codes will cost more to rebuild and require more coverage, while homes in higher-crime areas may need higher personal property limits.
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What to know about home insurance in Baltimore
Before purchasing a home insurance policy in Baltimore, it’s wise to make sure you fully understand the unique risks in the region so you can get adequate coverage.
Here are some considerations:
Flooding
Baltimore is prone to flooding along the coastline and the Patapsco and Back rivers. Basic homeowners insurance doesn’t cover flooding, but you can look for a flood insurance policy through your insurer or the National Flood Insurance Program.
Theft
Some ZIP codes in Baltimore have higher crime rates than others. A standard homeowners insurance policy covers theft. Just make sure you have enough personal property coverage to replace your stolen belongings.
Average cost of home insurance in other cities in Maryland
Different cities in Maryland can have very different homeowners insurance costs. Even within the same city, your costs can vary depending on your ZIP code. Insurers base premiums on several factors, including the risk of weather-related events, the area’s history of crime, proximity to a fire station or fire hydrant, and more. In Maryland, insurance premiums may also be higher along the coast than farther inland.
Here, you can see how home insurance rates can change between different cities in Maryland for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Baltimore | $1,776 |
Baltimore homeowners insurance FAQs
If you still have questions about homeowners insurance in Baltimore, the following information can help.
The average monthly cost of home insurance in Baltimore is $148 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. If you live near a body of water, like the coast or the Patapsco River, you’ll also need flood insurance. This will increase your overall cost of coverage.
USAA has the cheapest homeowners insurance in Baltimore, with an average monthly premium of $97.
The best home insurance companies in Baltimore are Amica, Chubb, Erie, Travelers, and USAA. But the ideal insurer for you could be another company. That’s why it’s important to compare quotes from several companies before deciding on your next policy.
The 80% rule states that your dwelling coverage should equal at least 80% of your home’s replacement value. If it doesn’t, you could be underinsured and not have enough coverage if your home suffers catastrophic damage.
Most states allow insurers to review your credit history as part of the quoting process. But in Maryland, it’s illegal for insurers to refuse to cover you, cancel your policy, or refuse to renew your policy based on your credit history.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- Citybiz. "Baltimore Has The 3rd Highest Median Home Age In The U.S.."
- Maryland Insurance Administration. "A Consumer Guide to Homeowners Insurance."
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Catherine Hiles
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom and is a Certified Financial Education Instructor. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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