Home Insurance in Annapolis, MD

Protect your home and assets with comprehensive and specific options for home insurance in Annapolis, MD.
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Living Life to the Fullest With Home Insurance in Annapolis, MD

Annapolis is a thriving suburb of Baltimore, home to approximately 40,581 people. Residents of Annapolis enjoy a calm, suburban life near major urban areas. Essentially equidistant from Baltimore and Washington, D.C., the commute is about 41 minutes to either place. As Maryland's capital city, Annapolis is an upbeat, modern city surrounded by historical architecture and museums.

Home to the U.S. Naval Academy, you will find a variety of monuments and naval history within the Naval History Museum. For those who want to spend their time outdoors, Annapolis is also a prime sailing destination with hundreds of miles of Chesapeake Bay shoreline.

Protecting Your Home With Home Insurance in Annapolis, MD

In Annapolis, the median home listing price is $638,390. To protect your assets, you'll need home insurance in Annapolis that covers the value of your home and the assets within. Annapolis, MD, is prone to freezing temperatures in the winter, ranging from 30 to 42 degrees Fahrenheit. Unfortunately, the cold weather can cause pipes to burst, and snow can lead to water damage and roofing issues.

Exploring Standard Annapolis Coverage Options

The specific incidents covered by your insurance can vary, but, with help from VIU by HUB, you can compare different coverage rates, including rates that factor in your situation. Standard policies may include:

  • Personal property coverage
  • Dwelling coverage
  • Hurricane damage
  • Personal liability coverage
  • Wind or hail damage

Your coverage level depends on the value of your home, assets and personal risks. Add-ons are endorsements you can add to your base insurance, including:

  • Swimming pool coverage
  • Buried utility coverage
  • Extended reconstruction coverage
  • Flooding coverage

All homeowners can refine their home insurance in Annapolis, MD, to be a customized fit.

Analyzing the Costs of Home Insurance

In Annapolis, MD, the average cost of home insurance is $1,195 annually. While lower than the U.S. average, the costs associated with insurance will depend on your specific circumstances.


Deductibles are the amount you pay out of pocket if you have to file a claim. Higher deductibles mean that you pay more if you file a claim. Generally, homeowners may choose higher deductibles to pay lower premiums throughout the year. However, paying a higher premium offers you more protection if an incident does occur.


In 2022, 778 property crimes were committed in Annapolis. Your neighborhood and the likelihood of you experiencing crime impact your home insurance costs in Annapolis, MD. In addition to the crime rate in your area, other risks may include natural hazards.


Modern contractors use newer techniques to prevent homes from sustaining damage from weather or fire. Older homes, on the other hand, may have a higher chance of experiencing plumbing issues and leaks.

Claim History

Many home insurance companies will analyze your claim history. If you filed a homeowners' claim within the last three to five years, you may experience higher rates. Likewise, if the previous owners of your house recently filed a claim or filed multiple claims, your carrier may charge you accordingly.

Coverage Options

Coverage options have one of the most significant impacts on your premium prices. After all, the more coverage and protection you have, the more you pay.

Determining Your Home Insurance Budget

Before you turn to an insurance provider, you should make sure you're informed about the insurance industry and your specific needs. Comparing rates with the help of VIU by HUB can help you determine your options for home insurance in Annapolis, MD.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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City of Annapolis

Home insurance in Maryland by city

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