Harford County, MD Homeowners Insurance Quotes

Shopping online for home insurance rates in Harford County is much easier and faster with our online quoting application. We can provide the most affordable premiums and coverage options while comparing up to 12 top insurance providers to help you find the best homeowners policy for you and your family in Maryland.

For Harford County MD homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind or hail damage and so much more.

Harford County Home Insurance Rates

Harford County, MD homeowners insurance is now costing homeowners around $97.42 per month for a basic homeowners policy. For Maryland residents, this amounts to $1169 per year for homeowners living in Harford County, MD. In comparison, the national average for home insurance rates costs around 1,249 per year. Maryland is ranked #29 in the country for the highest home insurance rates. Would you like to get up to 12 free competitive home insurance quotes for your home in Harford County, MD? We can help you save up to 40% or more on these average rates. If this interest you, we look forward to working with you and providing an excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the top rates and coverage options for you.

For all Harford 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 Harford 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.

Harford County, MD Housing Demographics

With 244,826 residents living within the Harford County area there are over 95,554 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 66,335 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 Harford County.

Harford County, MD Coastal Wind, Hail & Flood Information

For all homeowners living in Harford County (FIPS: 24025), 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 Harford County, MD, it's important that you look into hurricane and windstorm insurance options.

Harford 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:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• 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 […]

• Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

  As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

• 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

  Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

• Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

  According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

• Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

  According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

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 Harford 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 Harford 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 Harford 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.