Homeowners Insurance in Maryland

From the coastal charm of Annapolis to the historic streets of Frederick, your Maryland home is more than just a place to live—it’s where life unfolds every day. Homeowners insurance through GEICO Insurance Agency helps protect your home and belongings from covered losses like fire, theft, certain types of water damage, and more. Get a quick, personalized quote today and see how simple it is to get the coverage you need.

How Homeowners Insurance Through GEICO Insurance Agency Works in Maryland

Homeowners insurance through GEICO Insurance Agency is designed to help protect the things that matter most: your home, your belongings, and your financial well-being. A standard policy typically includes coverage for the structure of your home, your personal property, and personal liability. You can also explore additional options to tailor your coverage to your needs.

In Maryland, where the weather can bring everything from coastal storms to winter snow and ice, having the right protection in place is especially important. With the right policy, you can feel more confident knowing you’re prepared for what life might bring.

Is Homeowners Insurance Required in Maryland?

Homeowners insurance is not required by Maryland state law. However, if you have a mortgage, your lender will likely require you to carry a homeowners insurance policy. This helps protect their financial investment in your property if something unexpected happens. Even if it’s not required, having insurance is a smart way to protect your home and belongings.

What Does Homeowners Insurance Cover in Maryland?

A standard homeowners insurance policy through GEICO Insurance Agency typically covers:

  • Dwelling coverage: Helps pay to repair or rebuild the structure of your home if it’s damaged by a covered loss, such as fire, wind, or certain types of water damage.
  • Personal property: Covers the items inside your home, like furniture, electronics, and clothing, if they’re stolen or damaged in a covered event.
  • Liability protection: Provides coverage if you’re found legally responsible for injuries or property damage to others on your property.
  • Additional living expenses (loss of use): Helps cover the cost of temporary housing, meals, and other living expenses if you’re unable to stay in your home due to a covered loss.
  • Other structures: Covers structures on your property that aren’t attached to your home, such as a detached garage, shed, or fence.

Other Types of Coverage Available to Homeowners in Maryland

Standard homeowners policies offer valuable peace of mind, but you may want to consider a few additional coverages for more complete protection:

  • Flood Insurance: If you live in a flood-prone area or near the coast, a separate flood insurance policy can help protect your home and belongings from rising water. Natural flooding isn’t usually covered by standard policies.
  • Earthquake Insurance: While earthquakes aren’t common in Maryland, they can happen. This coverage can help protect your home and possessions in the event of earthquake-related damage, which is not covered by most standard policies.

Average Cost of Homeowners Insurance in Maryland

The cost of Maryland homeowners insurance depends on a variety of factors specific to you and your property. Location plays a big role—homes near the coast or in flood-prone areas often come with higher premiums. The age, size, and construction of your home also matter, as newer homes or those built with modern, fire-resistant materials may be less expensive to insure. Coverage limits, optional add-ons, and your deductible choice all impact your rate, as do things like your claims history and credit-based insurance score.

How to Save on Homeowners Insurance in Maryland

There are many discounts available through GEICO Insurance Agency to help Maryland homeowners get the protection they deserve at a price they can afford, including:

  • Multi-Policy Discount: Save by bundling homeowners insurance with a GEICO auto insurance policy.
  • Home Security Discounts: Lower premiums if your home has security systems, fire alarms, or burglar alarms.
  • New Construction Discount: Newer homes may qualify for lower rates because they are less risky to insure.
  • Claims-Free Discount: If you have a history of few or no claims, you may be eligible for additional savings.
  • Roof Discount: Newer roofs may qualify for discounts due to reduced risk of water or weather damage.

Why Choose Maryland Homeowners Insurance Through GEICO Insurance Agency?

When you get homeowners insurance through GEICO Insurance Agency, you’re backed by a name that’s trusted nationwide for its service, support, and savings. You can personalize your coverage to fit your Maryland home and lifestyle, whether you're living in a downtown Baltimore rowhouse or a quiet home on the Eastern Shore. Plus, you'll have access to helpful tools and resources like the GEICO Mobile app, where you can manage your policy and file claims. Our fast claims service, personalized support, and specialist guidance make it easy to protect what matters most.

Get a Free Homeowners Insurance Quote

Ready to protect your home in the Old Line State? Get a free Maryland homeowners insurance quote through GEICO Insurance Agency or contact us today to get started!