Home Insurance in Baltimore

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Welcome to Baltimore

Baltimore tops out at almost 570,000 residents, making it Maryland's largest city. It is also the nation's largest independent city, meaning that it's not a part of one or more counties. There's much to see and do in Baltimore. There's the Inner Harbor, with attractions such as the National Aquarium, the Maryland Science Center and the USS Constellation museum ship. You can also enjoy America's Pastime by watching the Orioles play ball downtown at Orioles Park in Camden Yards.

Baltimore is noted for its affordability, as the median home value is approximately $175,000. The city features a variety of neighborhoods. Whether you're looking for a historic row house in Fells Point, a trendy loft in Mount Vernon or a suburban-style home in Rodgers Forge, you're sure to find something to your taste; however, you'll need home insurance in Baltimore to protect your home.

Why Home Insurance in Baltimore Is Necessary

Most lenders require homeowners to carry insurance to cover losses or damage. Whether you're paying a mortgage or not, these Baltimore-area factors pose a threat to your residence:

  • Natural disasters: Baltimore is located in a coastal area, which makes it vulnerable to hurricanes, storm surges and flooding.
  • Vacant homes: Baltimore has a high number of vacant homes, which can attract crime and vandalism.
  • Older homes: Baltimore is home to a large number of older homes, which are often more susceptible to damage from fires, storms and other hazards.

With the median household income being about 30% of the median home price, having home insurance is a good idea and VIU by HUB can help.

What a Home Policy Covers

Typically, a home insurance policy in Maryland offers these protections:

  • Property damage: Covers your home and belongings in the event of damage or loss
  • Liability: Covers the costs of unintentional injury to another person or damage to another person's property
  • Medical payments: Pays a specified amount of medical bills for a third-party injury in your home or away from your home in certain situations
  • Additional living expenses: Handles expenses you incur when you cannot stay at your home due to a covered loss, such as staying in a hotel

Homeowner's policies protect from various perils such as fire, smoke, water, theft, vandalism, explosions and certain weather events, among others. VIU by HUB helps you sort through what is covered and what isn't covered. For example, Baltimore is subject to coastal flooding, and, as most home policies don't cover floods, you'll probably need to purchase flood insurance separately.

What a Home Insurance Plan Costs

Baltimoreans pay on average almost $4,211 annually for home insurance, exceeding the average for Maryland and the national average of $2,417. Various factors influence your premium, including these:

  • Location: Homes that are more prone to hurricanes or in higher-crime areas cost more to insure.
  • Dwelling size and construction costs: Larger homes and/or homes with high-end fixtures and building materials are more expensive to cover.
  • Age: Newer homes tend to include more damage-resistant materials, resulting in a lower premium.
  • Claims history: If you've filed for claims before, you'll likely see higher rates.

Other factors impact your annual premium including coverage levels, certain home features and your out-of-pocket contribution, known as a deductible. Finding the best policy for home insurance in Baltimore is essential to responsible home insurance. VIU by HUB helps you find a plan that works for you.

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


US Census Bureau

Baltimore on Data USA

CBS News

A Consumer's Guide to Home Insurance - Maryland


Home insurance in Maryland by city

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