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Baltimore County, MD Homeowners Insurance Quotes

You may find it interesting that Baltimore County, MD home insurance rates on average are around $97.42 per month for a basic policy. In Maryland, your premium right now could be in the average range of $1169 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage company. Because rates have increased, we can easily help you save more money on your homeowners insurance while also assisting you in review which coverage option is best for you. It is a good financial decision to choose a great carrier with enhanced coverage options that may be not the cheapest rate but the best protection for your home in Baltimore County.

Comparison shopping online for home insurance in Maryland is easy and hassle free with our easy to use online quoting application. We can help you review top carriers, affordable rates and enhanced coverage options all in one place. You might also like to know that our enhanced coverage option features better coverage for your home when you need it the most. Cheaper insurance rates have low coverage details written within the policy that you may not have read clearly enough. Don't wait until it is too late, you want an insurance provider you can trust and depend on, especially when you have taken on a loss and need to be refunded for damages. Let us help you shope and compare Baltimore County, MD quotes today!

For all Baltimore County, MD residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Baltimore County? Simply enter your zip code to get your Maryland homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Baltimore County, MD Housing Demographics

With 805,029 residents living within the Baltimore County area there are over 335,622 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 205,113 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Baltimore County.

DemographicValues
Total Occupied Households316,715
Family Households (families)205,113
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units335,622

Baltimore County, MD Coastal Wind, Hail & Flood Information

For all homeowners living in Baltimore city (FIPS: 24510), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Maryland is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Baltimore County, MD, it's important that you look into hurricane and windstorm insurance options.

Baltimore County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Maryland.

Helpful Articles:

Baltimore County, MD Home Insurance Average Premiums

Local Baltimore, MD homeowners insurance quotes comparison

$874 /yr.

Maryland's Average Home Insurance Rates Overall

For the state of Maryland, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 29 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$637 /yr.
Current Average Cost:$874 /yr.
Maximum Range:$1169 /yr.

Baltimore County, MD Coastal Wind, Hail & Flood Information

Baltimore is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Baltimore is know for it's beautiful beaches and waterways. Because Baltimore city (FIPS: 24510) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Baltimore County.

Maryland Homeowners Insurance News & Information

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

  • New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025

    According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market.  Recently, the Office of Insurance Regulation […]

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

Discounts For Homeowners in Baltimore County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Maryland homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Baltimore County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Baltimore County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Baltimore County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Baltimore County Housing & Real Estate Data

Details:Statistics
Total Housing Units335622
Occupied Housing Units316715
Vacant Housing Units18907
Vacant Housing Units for Rent8112
Vacant Housing Units Rented Not Occupied354
Vacant Housing Units For Sale3897
Vacant Housing Units Sold Not Occupied765
Vacant Housing Units For Seasonal Occasional Use1405
Vacant Housing Units All Other Vacants4374
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units316715
Housing Tenure Occupied Units Owner Occupied211571
Housing Tenure Occupied Units Owner Occupied Population548341
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied105144
Housing Tenure Occupied Units Renter Occupied Population235907
Housing Tenure Occupied Units Renter Occupied Average Household Size2