Howard County, MD Homeowners Insurance Quotes

Getting afforable home insurance coverage in Howard County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Maryland home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Howard County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Howard County home insurance rates is free and easy to use.

Maryland home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Howard County is ranked lower in the nation with an average annual premium of $1392 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!

For all Howard 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 Howard 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.

Howard County, MD Housing Demographics

With 287,085 residents living within the Howard County area there are over 109,282 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 76,333 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 Howard County.

Howard County, MD Coastal Wind, Hail & Flood Information

For all homeowners living in Howard County (FIPS: 24027), 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 Howard County, MD, it's important that you look into hurricane and windstorm insurance options.

Howard 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?

• Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025

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• Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

  While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

• New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

  Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]

• Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

  According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

• How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

  According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

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 Howard 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 Howard 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 Howard 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.