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Maryland Home Insurance

Maryland is known for its diverse landscapes, ranging from Chesapeake Bay, to Baltimore, to the mountainous regions in the west. With such varied surroundings, it's important to have reliable home insurance coverage, ensuring protection against accidents and unforeseen damages.

Is home insurance required in Maryland?

Maryland doesn’t legally require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it's still highly advisable to be insured. Home insurance is not a one-size-fits-all product. With YourPlan, there’s a range of options that can be tailored to meet your unique needs.

Typical Maryland homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a cause listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person or their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit and exclusions, which are specified within your policy.

Homeowners insurance doesn’t cover flood damage, so it’s important to make sure you have the right protection in place if a flood occurs. Flood insurance is available through the federally backed National Flood Insurance Program. Many mortgage companies require it when a home is in or near a floodplain, but floods can happen anywhere. Adding this coverage can help you stay protected no matter where you live.

Additional home insurance coverage in Maryland

In addition to the coverages included in a standard homeowners policy, many Maryland residents choose to explore optional coverages that provide added protection beyond the basics. These additional coverages may help with:

  • Enhanced protection for rebuilding or repairing your home, including extended replacement cost options.
  • Coverage for specific parts of your home, such as roofs, siding or certain types of property.
  • Protection for home systems and infrastructure, like buried utility lines or water backup.
  • Added support for a covered loss, including debris removal or protections designed to reduce out-of-pocket costs after a major claim.

These coverage options can be added individually or combined in different ways depending on how much protection you’d like and what makes the most sense for your home. Learn more about common homeowners insurance coverages and how they work.

Customizing home insurance in Maryland 

After reviewing standard and optional coverages, you may be wondering how homeowners typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what homeowners in Maryland often select. Then, you can adjust and customize from there, choosing what feels right for your home and budget.

Essential

Core coverage that’s designed to meet the needs of many Maryland homeowners. Essential focuses on foundational protection for your home, belongings and liability. It’s a straightforward option that covers common risks without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and enhancements that go beyond a standard policy. It’s a good fit if you want extra flexibility and added protection for things like repairs, home systems or certain types of losses.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and additional safeguards. It’s designed to help reduce gaps in coverage and provide added confidence if a loss is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Maryland. Explore coverage options with YourPlan.

Key factors impacting Maryland homeowners insurance rates

The location of your home is a significant factor that impacts home insurance premiums. Different areas face different risks and exposures. The cost of home insurance in a city versus a small town will depend on many factors, including property values, crime rates, construction costs and population density.

Your Maryland home insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. That's why we emphasize the importance of selecting the right coverage options. By customizing your policy to suit your lifestyle and preferences, you not only ensure adequate protection for your home but also gain some control over your rates.

Additionally, regularly reviewing and updating your coverage can ensure that your policy adequately reflects your current needs.

Save more on Maryland home insurance with discounts

There are several ways Maryland homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • New or remodeled homes: Receive a credit when you insure a new or remodeled home.
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
  • E-discount: Receive a discount when you sign up to receive policy information and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Maryland policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle home and auto insurance with the same company. In fact, Maryland homeowners who bundle their policies with Amica may qualify for a valuable multiline discount.1

Facts and figures about Maryland

Common claims in Maryland:

Given Maryland's unique weather conditions, it's crucial for homeowners to have adequate insurance coverage to protect against common claims.

  • Weather-related claims: High winds and coastal storms can cause various types of damage to homes, including roof damage, siding damage and water intrusion. Homeowners insurance typically covers damage caused by windstorms, hail, lightning and other weather-related perils.

It's important to note that flood damage caused by rising water from sources such as overflowing rivers, storm surges or heavy rainfall is not covered under standard homeowners insurance policies. Homeowners in flood-prone areas may need to purchase separate flood insurance to protect against this risk.

  • Plumbing leaks: Among the common insurance claims in Mayland are plumbing leaks. Leaks are a significant concern, particularly those complicated by pipes running through concrete slabs, which is a common construction method in the region. These leaks can go unnoticed for extended periods, leading to water damage, mold growth and other costly issues.

Most standard home insurance policies cover both types of damage, but it's best to review your policy to understand the extent of coverage and any limitations.

Fun facts about Maryland:

  • Annapolis is the capital city, but Baltimore is the largest city, with a population of over 560,000.2
  • In 1962, jousting became the official state sport of Maryland.2
  • Annapolis is home to the United States Naval Academy, which was founded on Oct. 10, 1845.2

How to get home insurance in Maryland

We’re here to guide you through the process of personalizing your homeowners insurance in Maryland. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Maryland homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Maryland.

Get a home insurance quote

or call 833-513-3881

AMIC-10-030527

1 Discounts not available in all states and may vary.
2 100 Fun Facts About the State of Maryland  

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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