Personal Insurance for Baltimore & Maryland Households

Auto Insurance

For coverage questions specific to Maryland drivers, see our Maryland auto insurance quote guide. For background on pricing, read how much car insurance costs in Maryland.

Auto insurance helps protect you from the financial impact of accidents and other covered losses involving the vehicles and drivers in your household. We look beyond the cheapest premium to make sure the liability limits, deductibles and optional protections make sense for how you actually drive.

• Bodily-injury and property-damage liability
• Collision and comprehensive protection for covered vehicle damage
• Uninsured / underinsured motorist protection and other state-required coverages
• Deductible, rental, roadside and other optional endorsement choices where available

Maryland Homeowners Insurance

Read our detailed Maryland Homeowners Insurance guide →

For a home in Baltimore or elsewhere in Maryland, compare the cost to rebuild with your dwelling limit, rather than relying on the purchase price. Ask about roof settlement terms, water backup and wind or hail deductibles. Standard homeowners policies generally exclude flood damage; separate flood coverage may be needed.

Homeowners insurance can help protect the house itself, your belongings and your finances if a covered loss or liability claim occurs. Replacement cost, deductibles, special limits and endorsements can materially change what a policy does, so we review the details instead of treating every home the same.

• Dwelling and other-structures coverage
• Personal property and eligible replacement-cost options
• Loss-of-use coverage if a covered claim temporarily makes the home unlivable
• Personal liability, medical-payments and optional endorsements based on the property

Maryland Renters & Condo Insurance

Maryland renters should check lease requirements and the value of their belongings. A landlord’s building policy generally does not insure a tenant’s personal property. Condo owners should review the association’s master policy to understand which parts of the unit they must insure.

Renters and condo policies fill gaps that a landlord's or condominium association's insurance generally does not cover for you personally. The right policy can protect your belongings, personal liability and temporary living costs, while condo owners may also need coverage for portions of the unit they are responsible for.

• Personal belongings after covered losses
• Personal liability protection
• Loss-of-use / additional-living-expense coverage
• Condo unit-owner building items, loss assessment and other options where available

Maryland Umbrella Insurance

Read our detailed Maryland Umbrella Insurance guide →

Review umbrella protection alongside your Maryland auto insurance and homeowners liability coverage. An umbrella is liability insurance; it does not replace coverage for damage to your own home or car.

Umbrella insurance provides an extra layer of personal liability protection above qualifying underlying policies such as auto or homeowners insurance. It can be especially worth discussing when you want higher liability limits than the underlying policies provide or have exposures that could create a larger claim.

• Higher personal liability limits above eligible underlying policies
• Potential protection across more than one qualifying personal policy
• Underlying auto/home liability limits are typically required
• Eligibility, exclusions and covered exposures vary by carrier

Travel Insurance

Travel insurance can help protect prepaid trip costs and provide assistance when a covered event disrupts travel. Plans vary significantly, so we compare the trip cost, destination, traveler needs and the specific cancellation, medical, delay and baggage benefits that matter for that trip.

• Trip cancellation and interruption for covered reasons
• Emergency medical and evacuation benefits when included
• Travel-delay and baggage-loss / baggage-delay benefits
• 24/7 travel-assistance services when included in the selected plan