Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Maryland

Our Recommended Top 14

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 Maryland 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.

3447

Reviewed

2073

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Baltimore

Why choose this provider?

Concrete Insurance is the best and most trusted agency that offers its services to individuals, families, and businesses in Maryland. Its agents compare homeowners' policies from various insurance carriers to provide the best coverage, protecting clients from financial losses resulting from property damage, theft, and personal liability. Some of the companies it works with include Progressive, Ally and Liberty Mutual, and Nationwide. In addition, Concrete Insurance handles other products, such as auto, real estate, worker's compensation, and commercial policies.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Germantown

Why choose this provider?

Klinger Insurance Group is the best independent risk management agency in Maryland. It offers homeowners' insurance, which pays for the replacement cost of personal properties destroyed in covered disasters. Policyholders can also use it as a first line of defense against a lawsuit filed by someone injured on the insured premises. People who wish to secure broader coverage may opt for an all-risk policy. Since its establishment in 1993, the firm has served over 8,300 clients in the region.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Baltimore

Why choose this provider?

Anthony Walker Sr. is an insurance professional who has been with State Farm since 1995. He operates the best insurance firm in Maryland that provides various premiums for valuable assets, such as homes. Walker and his team write homeowners' policies that cover the replacement costs of damaged structures, as well as liability for injuries sustained on the policyholder's property. They also craft policies for renters and cars. Walker holds a Life Underwriter Training Council Fellow designation.

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 (169)

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
Towson

Why choose this provider?

Cohee Insurance Agency serves clients throughout Maryland. Its home insurance policies carry the best variety of options, such as protection for property, landlords, renters, and condominiums. These products also include scheduled property insurance and homeowners liability. In addition, the company helps businesses and employees obtain various benefits and offers products that cater to specific industries like accounting firms, arborists, and car dealerships. Cohee Insurance Agency brings over 30 years of experience in the industry, working with different insurance carriers, including Travelers, Progressive, and American Modern.

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 (10)

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
Baltimore

Why choose this provider?

Rosasco & Yetter Insurance Agency offers the best services to individuals, families, and businesses throughout Maryland. It provides home insurance policies that protect owners and renters against damage to tangible assets and personal liability. It also handles other insurance products, including condominium, rental property, motor home, and manufactured home plans. As the best independent agency, it works with various insurance carriers like Progressive Insurance and has represented the Erie Insurance Group since 1996. The company's owner, Robert E. Yetter, brings 29 years of industry experience.

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

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
Germantown

Why choose this provider?

Congressional Insurance Associates is an independent company that provides the best services throughout Maryland. It offers homeowners' insurance policies that help protect the property and its contents. It also offers insurance coverage for renters, condos, investment properties or secondary homes, and personal articles. Additionally, it handles other insurance products, such as auto, flood, and umbrella policies. The company's co-founder and managing partner, Ian Higgins, brings over 10 years of experience in the insurance industry. He also holds a Life Underwriter Training Council Fellow designation.

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 (203)
Google
5.0 / 5 (73)

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
Windsor Mill

Why choose this provider?

Renowned provider Ross Insurance Agency caters to clients in the states of Maryland, Pennsylvania, North Carolina, Virginia, and Georgia. Its professionals work to find the best and most affordable premiums for owners seeking to insure their properties and personal belongings. The homeowners' policy also provides legal and medical coverage for injury cases that occur on the policyholders' premises. Founder and CEO Zerita Ross has been in the insurance and risk management industry for 30 years. She is a Certified Insurance Counselor and a Personal Lines Coverage Specialist.

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 (17)
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
Baltimore

Why choose this provider?

Since 1794, Baltimore Equitable Insurance has been operating as the best agency in the states of Maryland and Pennsylvania. It provides both individuals and families with a variety of coverage options to insure their homes, condos, and rented accommodations. Clients can apply for a separate plan for items like jewelry and fine art pieces. Baltimore Equitable's team of agents also offers a perpetual policy�a type of insurance that pays full benefits after a claim has been made.

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

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
Laurel

Why choose this provider?

CNR Insurance has been providing the best coverage options in Maryland since 2000. Its insurance professionals work with individuals and families to craft custom policies that secure their dwellings in case of covered perils. These policies cover the structure and contents of the house, additional living expenses, medical costs, and liability. Clients can also purchase a separate off-premises theft coverage, which insures personal property away from the main residence. In addition, the firm offers ErieSecure Home Bundles for expanded protection.

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

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
Baltimore

Why choose this provider?

Baltimore Insurance Network is the best local agency in Maryland that represents a number of insurance carriers. It offers homeowner insurance with different coverage options available to meet client's specific needs. Its specialists also tailor policies that insures client's specialty items, such as expensive jewelry and valuable pieces of art. Other insurance products available are life and auto coverage policies. Since its establishment in 2011, the firm has served 2,400 individuals and businesses throughout the state.

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 (257)
Facebook
4.8 / 5 (31)
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
Clarksville

Why choose this provider?

Meck Insurance Agency caters to individuals and families in Maryland. It is the best agency in the state that helps clients obtain personal insurance coverage, including a homeowner's policy. This policy replaces any personal belongings that have been destroyed in the named perils or losses specified in the contract. All-risk insurance is also available for broader coverage. As an independent firm, it has built relationships with various national and regional carriers, including Progressive, Chubb, Openly, and Erie 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.
5.0
Google
5.0 / 5 (42)

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
Germantown

Why choose this provider?

Preferred Insurance Solutions is an independent agency founded in 2000 that caters to individuals and families in Maryland. It offers the best homeowners' insurance, covering the physical structure of a house, the policyholders' personal belongings, and medical expenses for injuries incurred from accidents in the insured property. This product extends its protection to expensive or unique items like art pieces, jewelry, and fur. The company also handles life, business, and umbrella policies. Co-founder Gary Phelps has been in the industry since 1984.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Baltimore

Why choose this provider?

Since its founding in 1998, the Insurance Center of Baltimore has been providing the best coverage policies for individuals and families throughout Maryland. Its team has over 38 years of experience crafting protection plans for client's valuable assets, including private homes and rented living spaces. The professionals also write flood insurance policies, which people can purchase separately. Insurance plans for different types of vehicles and businesses are also available. The firm can provide its services in Spanish.

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 (15)

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
Baltimore

Why choose this provider?

Maury Donnelly & Parr, Inc., is an independent insurance agency that has been serving individuals and families in Maryland since 1875. It offers the best homeowners' policies covering specific needs like replacing lost possessions or rebuilding homes, working around the client's financial situation, and presenting the cheapest options. It also protects valuable artifacts within the home, such as jewelry and art, from damage and theft. The company has worked with The National Trust for Historic Preservation to provide insurance solutions to over 250,000 members.

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 (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.
3.3
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 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.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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