icon-call
Find Your Agent
Search Please enter a zip code or agent name

Tailored Solutions for Your Home

Get A Quote arrow right
A white car sits in front of a house in Chicago, surrounded by greenery and typical suburban scenery.

Essential

Why Home Insurance is Important in Baltimore

Living in Baltimore means understanding the city’s unique risks. Here’s what Goosehead Insurance can help you prepare for the unexpected:

  • Urban Flooding: Heavy rainfall, combined with aging infrastructure, increases the risk of urban flooding in neighborhoods like Hampden and Charles Village.
  • Rowhouse Fire Risks: Baltimore’s iconic rowhouses, while charming, can be vulnerable to fire spread.
  • Crime Protection: Personal property coverage is essential in areas with higher crime rates, ensuring valuable belongings like electronics and jewelry are secure.
  • Severe Weather Preparedness: Severe weather in Baltimore, like hurricanes and heavy snowstorms, can cause significant damage to homes.

Coverage

What Does Home Insurance Cover in Baltimore?

Basic home insurance coverage in Baltimore protects against common threats like fire, theft, and storm damage. Here’s what the standard Baltimore home insurance policy includes:

  • Dwelling Coverage: Safeguards your home’s structure against damage caused by covered events.
  • Personal Property Protection: Covers belongings inside your home, a crucial feature for homeowners in areas with higher theft risk.
  • Liability Protection: Prevents financial strain in case of accidents or injuries on your property.
  • Additional Living Expenses (ALE): Assists with temporary living costs if your home becomes uninhabitable after a covered loss.

Options

Additional Coverage Options for Baltimore Homeowners

Baltimore’s unique landscape requires special attention to additional coverage options. Some key recommendations include:

  • Flood Insurance: With flooding as a regular issue in areas like Canton and Locust Point, opting for flood insurance is a smart step. However, flood damage is not a part of standard policies. Many get a policy from private insurers or the National Flood Insurance Program.
  • Sewer Backup Coverage: Essential for city-dwellers relying on aging sewage systems, particularly during heavy rainstorms.
  • Extended Replacement Cost Coverage: Helps cover repair and labor costs if they increase due to a citywide disaster and exceed your standard limits.

This may not be every additional coverage option, but Goosehead Insurance will work with you to create a policy that fits your specific situation.

Cost

How Much Does Home Insurance Cost in Baltimore?

Baltimore home insurance costs depend on several factors. Here’s a breakdown of what influences your premium:

  • Location Risk: Homes in Mount Vernon or Federal Hill may have different rates due to crime or flood risks.
  • Historic Properties/Age: Owning one of Baltimore’s beautiful historic homes or having an older home in general typically mean the house needs specific materials or doesn’t entirely meet modern safety standards, thus raising premiums.
  • Home Features: Homes in more upscale parts of Baltimore cover more square footage, have more rooms, and feature luxury materials, which drives up the cost of rebuilding and premiums.

On average, Baltimore homeowners can expect to spend between $1,900 and $2,400 annually on home insurance. Keep in mind, specific rates will vary depending on these factors, coverage selections, and your circumstances

Protect Your Baltimore Home Today

Your home is more than a place to live in, it’s where life happens. At Goosehead Insurance, we understand what makes Baltimore special and are committed to protecting your slice of it.

Contact us today to customize your coverage and get a free, no-obligation quote. With Goosehead Insurance, safeguarding your Baltimore home has never been easier.

New Customers Call 833-779-4090

Save

Ways to Save on Home Insurance in Baltimore

Protecting your home shouldn’t stretch your budget. Here are a few ways you can save on your premiums while staying covered:

  • Bundle Policies: Combine home and auto insurance to maximize discounts.
  • Upgrade Home Security: Invest in alarm systems or cameras to potentially lower premiums.
  • Flood Mitigation: Elevating your home or floodproofing can reduce risk and associated costs.

Trust Goosehead

Why Choose Goosehead for Your Baltimore Home Insurance?

At Goosehead, we understand the importance of protecting your home and belongings. We help you find a policy that meets your needs at a competitive price. Here’s why you should choose Goosehead for your home insurance:

  • Wide Access to Carriers: We work with multiple carriers to find the right coverage for your specific needs and budget.
  • Personalized Policies: We're able to build our clients’ policies that fit their area, needs, and budget.
  • Top-Notch Service: Our agents provide exceptional service and build lasting relationships with our clients.
  • Expert Team: Our agents are familiar with the Baltimore area and can answer any questions you may have.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

The Digital Agent is under maintenance

Please defer to our insurance type form to get in touch with an agent.