Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Baltimore

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baltimore Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

380

Reviewed

236

Curated

20

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
500 Redland Court, Owings Mills, MD 21117
  • Fire
  • Homeowners

Why choose this provider?

BTJ Insurance, Inc., is a full-service Nashville-based insurance company that serves clients in Baltimore and surrounding communities. The firm protects individuals and families against unforeseen perils with a homeowners insurance policy. Its independent insurance agents represent multiple carriers that offer a variety of coverages, including dwelling, other structures, personal property, liability, and guest medical protection. They also offer flood, earthquake, condo, renters, and landlord insurance. The company has been in the insurance business since 2004.

License Verified:

License: 3000110273

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6405 Belair Road, Baltimore, MD 21206
  • Homeowners

Why choose this provider?

Concrete Insurance is a full-service agency that serves individuals and families in the Baltimore area. It offers a wide range of products, including auto and home insurance and tag and title registration services. The business also caters to commercial clients by providing liability, commercial auto, and workers' compensation coverage programs. By working with various insurance carriers, such as Nationwide, Progressive, and Liberty Mutual, the business can shop for numerous providers to match the client's specific needs.

License Verified:

License: 4104330313

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
P.O. Box 5647, Baltimore, MD 21210
  • Renter's Insurance
  • Personal Property Insurance

Why choose this provider?

Farrell Sullivan Insurance is a family-owned and family-operated business that has been serving Baltimore since 1959. It offers property insurance coverages for homeowners, renters, and landlords. Homeowners' insurance policies protect clients from financial losses caused by unexpected circumstances like theft, fire, and vandalism. The coverage options include personal liability, medical expenses, personal property, special possessions, and additional living expenses. The second-generation company represents multiple insurance carriers including Symetra, Old Republic, and Maryland Automobile Insurance Fund.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6410 Frederick Road, Catonsville, MD 21228
  • Multiple Policy Types

Why choose this provider?

Monument Insurance Services is an agency that has been assisting individuals and families in Baltimore since its founding in 1998. Its professionals work with clients to develop custom policies that protect their homes from covered events. Under homeowners’ insurance, policyholders obtain financial security against property damage and lost contents, medical costs, additional living expenses, and liability. In addition, clients can purchase separate flood and earthquake damage coverage along with their home policies. Premiums for renters are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11 East Lexington Street, Baltimore, MD 21202
  • Fire
  • Flood

Why choose this provider?

Baltimore Insurance Network is an independent agency that provides its services to clients in the metro and nearby areas. It assists families and individuals in acquiring personal insurance, including homeowners' policies. The company aims to help clients protect their investments through its insurance coverages. Its team of specialists also offers life, auto, and business insurance. They have access to various carriers, such as Progressive, Foremost, Nationwide, Ohio Casualty, and Safeco. Baltimore Insurance Network has been in business since 2011.

License Verified:

License: 100055094

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (213)
Facebook
4.8 / 5 (19)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1120 N Charles Street Suite 405, Baltimore, MD 21201
  • Personal Property Insurance

Why choose this provider?

Stephanie Jameson is one of State Farm's insurance agents who serves homeowners in Baltimore. Her agency has been in business for 25 years, helping clients purchase homeowners' insurance policies that provide personalized coverage against structural damage and damage to personal property, in addition to liability coverage, limited theft protection, and loss-of-use coverage. Other products and services include auto, life, health, and property insurance. Jameson and her team share over 50 years of collective State Farm experience.

License Verified:

License: 50111

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
510 4th Street, Laurel, MD 20707
  • Personal Property Insurance

Why choose this provider?

Kathy Fowler - State Farm Insurance Agent provides clients in Baltimore and nearby communities with home insurance options to protect their financial health in the event of a major disaster. She works with clients to choose policy coverage that includes protection of keepsakes and other precious possessions, appliances and furniture, and even lawn decorations and swing sets. Aside from homeowners insurance, Ms. Fowler also offers auto, property, business, life, health, and pet insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (14)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1014 West 36th Street, Baltimore, MD 21210
  • Renter's Insurance

Why choose this provider?

Bedford Insurance Group is a family-owned and family-operated agency that caters to individuals and businesses in the Baltimore metro and the surrounding areas. It offers homeowners' insurance policies, which pay for the replacement of personal properties that have been damaged during natural disasters. The firm also provides other insurance products, such as auto, cyber liability, personal umbrella, renter, and worker compensation plans. Bedford Insurance Group has 20 years of experience in the industry.

License Verified:

License: 61023

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.6 / 5 (13)
Google
4.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6600 York Road Suite 109A, Baltimore, MD 21212
  • Homeowners

Why choose this provider?

Anthony Walker Sr. - State Farm Insurance Agent serves clients in Baltimore. He offers homeowners' insurance that covers losses and damages to an individual's house and assets. The Anthony Walker Insurance Agency, Inc., also provides insurance products for cars, commercial entities, renters, and life insurance. Anthony has been a State Farm agent since 1995. His team includes office manager Von Richardson, who has been offering car, life, and commercial insurance for more than 25 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8407 Harford Rd., Parkville, MD 21234
  • Multiple Carriers

Why choose this provider?

Gebco Insurance offers a variety of non-life products to residents of Baltimore and the surrounding areas. These options include homeowners' assurance deals that protect against unforeseen circumstances, physical injuries, and man-made property damage that take place within a residence. The firm also provides renters' insurance contracts covering condominiums and townhomes. In addition to protecting dwellings, the team has car and motorcycle policies. Gebco Insurance has been operating since 1971 has since grown to occupy eight offices.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (50)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
23 South St, Baltimore, MD 21202
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Mason & Carter Inc. is an insurance agency located in Baltimore, Maryland, that's licensed in over 18 other states, including New York, Virginia, and Florida. Home protection specialists help clients find the right home, condominium, and co-op insurance to safeguard their property and personal items at a fair rate. Mason & Carter Inc. also provides policies for secondary, seasonal, and vacation homes, and offers renter's insurance, and additional coverage for jewelry, fine arts, antiques, and firearms.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (32)
Facebook
5.0 / 5 (16)
Yelp
4.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 N Charles St #640, Baltimore, MD 21201
  • Homeowners

Why choose this provider?

Baltimore Equitable Insurance is a financial services firm that has been serving clients throughout the metro since 1794. The firm provides perpetual homeowners' insurance solutions for condo, home, and apartment owners. It compensates clients for covered losses in insurance claims. The firm likewise offers renters' insurance products, and clients can calculate their potential insurance quote from the company's website. Mary Harlee, the firm's CEO, has more than 35 years of experience in the insurance industry.

License Verified:

License: 3000014559

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (61)
Facebook
4.2 / 5 (5)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
104 Church Ln Ste 300, Baltimore, MD 21208
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Mayer & Steinberg is an independent insurance agency located in the Baltimore, Maryland, metro area that's licensed in all states except Alaska and New Mexico. Founded in 1959, the company offers comprehensive home insurance policies at competitive rates with a wide range of top carriers, such as Allstate, Citizens, Homeguard, and Imperial Fire. Clients can also add policies to cover open perils such as flooding, earthquakes, and nuclear incidents, and named perils which include fire, theft, lightning, and explosions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (23)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1204 Maryland Avenue, Baltimore, MD 21201
  • Multiple Policy Types

Why choose this provider?

Unity Insurance is a full-service independent agency that has served individuals, families, and businesses in Baltimore and the surrounding communities since 1975. It customizes homeowners' insurance policies, which protect the clients' assets. It also offers auto, RV, watercraft, valuable possession, and umbrella insurance plans. Unity provides employment practice and fiduciary liability, key man life, commercial property, and business overhead expense insurance solutions. Its specialty insurance options include billing error coverage and individual medical professional liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2505 Lord Baltimore Dr, Windsor Mill, MD 21244
  • Multiple Carriers
  • Homeowners

Why choose this provider?

Ross Insurance Agency serves the needs of individuals, families, and businesses in Baltimore and nearby areas, including Virginia and North Carolina. The independent insurance agency has more than 29 years of experience providing various insurance products, including homeowners', automobile, life, and business insurance. It works with many insurance companies, such as Nationwide Insurance, Safeco Insurance, Progressive, and Allstate. Zerita Ross, the owner of Ross Insurance Agency, has over 30 years of experience in the insurance and risk management industry.

License Verified:

License: 2078404

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
901 Dulaney Valley Road, Towson, MD 21204
  • Renter's Insurance
  • Condos
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Cohee Insurance Agency has been providing comprehensive home insurance coverage to Towson, Baltimore, and surrounding areas. Its coverage can be tailored fit to clients' needs and can include coverage options to protect from various causes of damage. Its home insurance coverage options include homeowners liability, property insurance, renters insurance, condominium insurance, and mortgage insurance. Cohee Insurance Agency also offers auto insurance, life insurance, and business insurance. It is available for evening and weekend appointments and has two offices in Maryland.

License Verified:

License: 33202

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
24 Commerce St, Baltimore, MD 21202
  • Multiple Policy Types

Why choose this provider?

Maury Donnelly & Parr, Inc. is an insurance broker that helps homeowners in the Baltimore metro. Its agents assist clients in choosing homeowners insurance products to protect their properties from fire, flood, and theft. They also assess each client's needs and help customize policies for owners of rental and vacation homes that are at a suitable level. Maury Donnelly & Parr was founded in 1875. It is part of a joint venture with the National Trust for Historic Preservation.

License Verified:

License: 67

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (27)
Facebook
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
8831 Satyr Hill Rd. Suite 302, Baltimore, MD 21234
  • Multiple Carriers
  • Personal Property Insurance

Why choose this provider?

Rosasco & Yetter Insurance Agency is an independent firm that serves clients in Baltimore and the surrounding areas. It provides a wide variety of insurance products, including homeowners' policies, which help clients cover and replace their damaged personal belongings in the event of fires, storms, and other disasters. Other risk protection plans the firm offers include condominium, automobile, motorcycle, commercial property, and life insurance. Rosasco & Yetter Insurance Agency has been representing Erie Insurance Group since 1996.

License Verified:

License: 2102925

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Facebook
4.0 / 5 (9)
Google
4.2 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
66 Painters Mill Rd Ste 110, Owings Mills, MD 21117
  • Renter's Insurance
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Woodhome Insurance Group Inc. is located in Owings Mills, Maryland, and provides home insurance to clients in the Baltimore Metropolitan Area and throughout the state. Its partners include Nationwide, Philadelphia Insurance, and Universal Property. Home insurance options are available to homeowners, condo owners, landlords, and renters. They cover a variety of events including fire, natural disasters, and break-ins. Woodhome Insurance Group Inc. is a BrokerCheck by FINRA trusted insurance agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
37 Walker Ave Ste 20, Pikesville, MD 21208
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1945, Wealcatch Insurance Inc. is located in Pikesville, Maryland, and serves residents in the surrounding areas of Baltimore. The team provides all-risk and named-perils home insurance policies from top-rated insurance carriers, including Safeco, Travelers, and Progressive. Home insurance policies cover liability and loss from damage due to natural disasters, and the firm represents individuals, newly formed start-up companies, and large corporations. Wealcatch Insurance also offers auto, life, and umbrella insurance plans, as well as financial planning services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What insurance coverage options are available for homeowners in Baltimore?

    If you own a home in Baltimore, insurance typically covers repairs due to insured events like fires. It also offers personal liability for any damages you might cause to others. Importantly, it covers guests' medical bills if they are injured at your place. If damages force you out, it'll cover living costs for up to two years. Your personal items are covered, too. For special items, consider additional coverage. If you're a landlord, there's specific liability coverage for tenant-related risks.

  • Who is responsible for insurance coverage for condominiums in Baltimore?

    In Baltimore, the condominium association must buy a master insurance policy. This policy mainly covers losses to common areas, the structure itself, and individual units—but not improvements made after the unit's first sale. So while the association handles most repairs from casualty losses, respective unit owners should also get coverage. Their policy would protect personal items and any post-purchase unit upgrades.

  • Who regulates homeowners' insurance companies and their representatives in Baltimore?

    In Baltimore, the Maryland Insurance Administration (MIA) oversees homeowners' insurance companies and their representatives. They ensure all insurance laws from the Maryland General Assembly are followed. Insurance companies must submit their rates and policy forms to the MIA, and there are strict rules on claim settlements, policy renewals, cancellations, and premiums. Insurers cannot unfairly discriminate in policy procedures. If someone faces challenges, they can file a complaint with the MIA.

  • Does homeowners' insurance in Baltimore provide reimbursement for immediate storm-related repairs?

    In Baltimore, homeowners' insurance emphasizes prompt intervention following storm incidents. Before an insurance evaluation, homeowners are advised to address immediate concerns, such as securing damaged roofs or reinforcing compromised windows. Documenting damages with photographs and maintaining a record of expenditure remains essential. Should the incurred damage align with policy provisions, the costs associated with these necessary repairs are typically compensated, subject to applicable deductibles. For a comprehensive understanding, a consultation with the respective insurance provider is recommended.

  • Is homeowners' insurance mandatory in Baltimore?

    No, local regulations in Baltimore don't mandate homeowners' insurance. However, mortgage lenders often do. They might ask homeowners to secure basic coverage until the mortgage is completely repaid. The criteria set by lenders can differ, so a thorough review of their provided documentation is paramount when considering coverage for a property. Certain lenders might demand augmented protection based on the property's value or inherent risks. A thorough understanding of these requirements is crucial before finalizing coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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