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8 Best Renters Insurance in Maryland 2022

Tips for finding the best renters insurance rate in Maryland. Our guide includes factors to consider when choosing a policy, and tips on how to save money.
Maryland Baltimore

Maryland is home to millions of residents that reside in cities and suburbs predominantly around or within commuting distance of D.C. or other major Federal hubs; and offers a mix of urban, suburban, and rural areas.

Whether you live in Baltimore, Bethesda, or Annapolis, if you are a renter it’s absolutely necessary to get renters insurance.

Renters insurance covers many things.

For example, having a renters policy means you won’t have to pay out of pocket if, say, you left your laptop in your car and it got broken into and your laptop was stolen.

For only around $12 per month, you don’t have to worry about coming up with the cost to replace your laptop.

Having a renters policy ultimately means having peace of mind.

But how do you find renters insurance that meets your needs when there are so many companies to choose from?

The perfect renters insurance plan should provide low prices with a variety of coverage options, great customer service when needed, and be from an insurer we could trust.

After hundreds of quotes were analyzed it was determined that these three companies offered the best combination for peace-of-mind about your property assets while still offering competitive rates on their policies.

Best Renters Insurance in Maryland

  • Lemonade: Best for Online and Mobile App Coverage
  • Liberty Mutual: Best for Young People
  • Allstate: Best for Multi-Policy Discount
  • State Farm: Best for Cheap Renters Insurance
  • Travelers: Best for Additional Coverage
  • Nationwide: Best for Additional Living Expenses
  • Amica Mutual: Best for Customer Service
  • Erie Insurance: Best for Comprehensive Coverage

Lemonade: Best for Online and Mobile App Coverage

lemonade renters insurance Maryland

Lemonade, as you probably know, is all AI, meaning you get instant quotes, buy coverage, and file claims, to name a few, from the company’s website and mobile app.

For Maryland residents, Lemonade is a top choice as the company’s website is easy to use and you can find many of the questions you may be asking yourself in the company’s lengthy FAQ page before signing up.

Lemonade offers a variety of different policies with rates that start at $5 per month. The coverage you choose will affect your overall costs for the plan, so it's important to consider what is best suited for yourself before signing up.

Available for both iOS and Android, Lemonade’s cleanly designed app is the best way to file a claim from the comfort of your home at any time of the day, which can save you time because you only make the claim when you want to.

Lemonade says it handles 30% of claims instantly.

In most situations, your claim may be paid in as little as three minutes.

How Is Lemonade Rated?

  • J.D. Power Overall Satisfaction Rating: 870 out of 1,000 points (Highest rating of all companies)

Read the full Lemonade home & renters insurance review.

Lemonade Renters Insurance Pros & Cons
Pros Cons
Also sells homeowners, condo, co-op, life, and pet insurance No sales agents
Intuitive website and app Coverage is not nationwide
Doing all your insurance business online saves you time and provides great convenience
Ability to sign up for coverage within minutes

Liberty Mutual: Best for Young People

Liberty Mutual renters insurance Maryland

If you have personal belongings you want to cover in a renters insurance that isn’t that expensive, Liberty Mutual is your best bet.

With Liberty, if the total value of your property is less than $10,000, the insurer is a great choice for young people, including millennials, those fresh out of college, or those who are still in college.

However, the Liberty Mutual average renters insurance policy cost is $16 a month, making it higher than State Farm and Travelers.

Liberty Mutual’s low minimum property requirements also have discounts that can lower the standard $16 a month policy, which enables young people to afford the coverage.

You can save on the cost of your renters insurance if you:

  • Sign up online
  • Elect to make automatic payments that are linked to your bank account
  • Maintain a clean record
  • Bundle with another Liberty Mutual policy
  • Switch from your current provider before your policy ends
  • Have security features in your unit
  • Go paperless and receive policy info electronically

How Is Liberty Mutual Rated?

  • BBB: A
  • A.M. Best: A
  • J.D. Power Overall Satisfaction Rating: 825 out of 1,000 points
Liberty Mutual Renters Insurance Pros & Cons
Pros Cons
Requires a minimum of $5,000 of property Discount availability varies from state to state
Many ways to lower premium Difficult to find the covered perils and customer service numbers on website
Available in all 50 states and Washington, D.C.
Easy online claims filing
Customer service is available on the weekends

Allstate: Best for Multi-Policy Discount

Allstate renters insurance Maryland

Allstate already offers affordable policy premiums in Maryland that are comparable in cost to State Farm.

But Allstate call drive your premium down with its several discounts.

The best one is bundling. Almost all renters insurance companies in Maryland offer a bundling discount but Allstate is the cheapest.

Also called a multi-policy discount, bundling renters with your auto policy will give you 10% off your auto policy and 25% off your renters policy.

With bundling, you can save between $200 to $800 a year.

That’s a lot!

The average monthly premium is about $16.

You can also get a discount on many things, but here are the most popular:

If you live in a low-crime rate neighborhood, you get a discount.

Being claims-free for a set time.

If you are retired or older than 55, you also get a discount.

How Is Allstate Rated?

  • A.M. Best Rating: A+
  • J.D. Power Ranking: 841/1000.
  • BBB: A
Allstate Renters Insurance Pros & Cons
Pros Cons
The best multi-policy discount among top insurers Average customer satisfaction for claims
Ease of online service or through an agent Standard policies don’t cover floods or earthquakes
Clear claims process Adding replacement cost coverage means higher monthly rates
Useful mobile app Discounts and policies may not be eligible for certain states
Affordable premium
Different ways to customize your deductibles and coverages

State Farm: Best for Cheap Renters Insurance

State Farm renters insurance Maryland

State Farm is known for many things, including being renowned as the largest insurer for home and renters policies in 39 states, its reputation for meeting the needs of its clients, and its physical and online presence to help make a claim easier and faster.

It is also known as the most affordable renters insurance in Maryland.

The average cost of State Farm renters insurance is only $10.

This is according to State Farm.

State Farm beat the average cost of renters insurance in the US, which is $190 per month or $15 a month.

How Is State Farm Rated?

  • JD Power: 850 out of 1,000
  • A.M. Best: A++.
  • NAIC (The National Association of Insurance Commissioners): 0.38
State Farm Renters Insurance Pros & Cons
Pros Cons
Easy to contact an agent Different coverages and savings not on site
Easy to use intuitive website and app Customer reviews generally complain about negative occurrences from customer service
Online quote availability Add-ons can be costly
Includes inflation coverage Offers little discounts or any unique endorsements
No limit on personal property coverage

Travelers: Best for Additional Coverage

Travelers renters insurance Maryland

Customers turn to Travelers because it has the most optional coverages compared to similar companies in size and strength.

Additional coverage or add-ons means you can customize your insurance to your needs.

Here are some add-ons that Travelers offer:

  • Water backup coverage.
  • Equipment breakdown.
  • Additional coverage package.
  • Decreasing deductible.
  • Identity fraud expense.
  • Valuable item coverage.
  • Extended liability.

What Stands Out?

Replacement coverage is usually not covered in a basic renters insurance plan.

Most policies come with actual cash value (ACV).

With replacement from Travelers, you get the full replacement cost on an item covered in your policy that has been destroyed or stolen. This means there’s no deduction for depreciation, which is ACV.

The valuable items endorsement places special attention to property that is high in value (jewelry, fine art, collectibles).

It allows you to add higher limits of coverage to your renters insurance policy so that your personal property will be covered when your policy limit is $10,000, the standard offered in a basic renters policy and which is really low.

Travelers is also known for its affordable policy.

Its average cost is a dollar cheaper than State Farm, coming in at $12 a month or $147 a year.

State Farm clocks in at around $10, which means Travelers charges the second-lowest premiums in Maryland.

How Is Travelers Rated?

  • NAIC: 0.50 complaint ratio. Fewer complaints than average.
  • JD Power Score: 807/1,000 (on the low end of JD’s customer satisfaction score).
  • AM Best: A++ (superior).
  • BBB rating: A+
Travelers Renters Insurance Pros & Cons
Pros Cons
Great coverage options You can only buy policy annually rather than every month; this may be hard for people to come up with cash all at once
24/7 for claims and customer service; limited for quotes Need to call to get quote in some states
Useful features on website and app Can’t go below $30,000 of personal property
Offers unique add-ons, like decreasing deductible and equipment breakdown Partial refund if you cancel policy midyear
Is one of the oldest insurance providers in the industry, with over 160 years of experience

Nationwide: Best for Additional Living Expenses

Nationwide renters insurance Maryland

If there’s a fire or another covered peril in your building that damages your unit to the point where you find it’s uninhabitable, loss of use will reimburse you for any hotel stays, any meals you have at restaurants, and any belongings you need for upkeep.

Loss of use is standard in a basic renters insurance, but Nationwide takes this policy further and adds up to 24 months of additional living expenses (ALE) coverage at no cost to you.

This means you’ll probably have enough renters insurance to pay for ALE if your home takes longer to build.

ALE also gives you peace of mind.

How Is Nationwide Rated?

  • AM Best: A+
  • J.D. Power Property Claims Satisfaction Study (2020): 886/1,000
  • BBB: A+
Nationwide Renters Insurance Pros & Cons
Pros Cons
Excellent customer service Offers sewage and drain backup coverage but only as an add-on
Website offers online quotes to save you time High premium; the standard policy is around $20 a month
You can also file a claim online Premiums are thus higher than the national average
Multi-policy discount for having both renters and auto insurance coverage

Amica Mutual: Best for Customer Service

Amica renters insurance Maryland

Amica Mutual has many glowing customer reviews about the insurer’s customer service.

In addition, it has a very low complaint ratio according to NAIC, which gave the insurer a complaint ratio of 0.22.

The NAIC is always 1.00, and numbers lower than that are considered better.

Thus, Amica has great customer service, especially with their local offices in Maryland.

In addition, Amica Mutual has a great online presence with its customer portal.

Here, you can do most things that a rep from the company can also do, like report and track claims, upload documents, and check up on add-ons you may want, for example.

How Is Amica Mutual Rated?

  • JD Power Claims Satisfaction Study: 894/1,000
  • NAIC Complaint Ratio: 0.22
  • AM Best: A+
Amica Mutual Renters Insurance Pros & Cons
Pros Cons
No limit on personal property coverage Discounts not available in every state
Offers live 24/7 claims processing Not available in AK and HI
Monthly premium as low as $13 and goes up to $16 Basic coverage—no surprises here
Up to 18% off when you bundle Doesn’t go into detail about which events you’re protected
Loyalty policy discount after two years or more
Premium reduction if claims-free for three years
Offers deductibles as low as $100

Erie Insurance: Best for Comprehensive Coverage

Erie renters insurance Maryland

Erie Insurance is best for comprehensive coverage in Maryland.

It has three different bundles that you can sign up for that offer great customization and many ways to save from discounts and from bundling.

Erie’s basic policy is called the ErieSecure Tenant. This means globetrotters have worldwide personal property coverage.

Also standard is the extended liability protection that protects you from slander, discrimination, and cyberbullying.

This liability is in addition to LEC and the standard medical payment policy.

And you can also choose from three different bundles, one of which may suit your needs.

“Advantage” increases coverage limits well above the basic policy limit.

“Plus” waives your deductible if loss of property exceeds $50,000.

It also increases coverage limits by adding coverage for pets, business personal property, and more.

Finally, “Select” encompasses both bundles but offers higher limits.

How Is Erie Rated?

  • NAIC Complaint Ratio: 0.27
  • AM Best: A+
  • JD Power Claims Satisfaction Study: 869/1,000
Erie Rentals Insurance Pros & Cons
Pros Cons
Customizable policy bundles Need to go through local insurance agent to purchase policy
Replacement cost coverage and extended personal liability coverage Services and product offerings vary per state
Basic policy includes identity theft protection Only available in the Mid-Atlantic, North Central, and Southeast regions of the US
Age-based and advanced quote discount
Bundling discount
24/7 claims phone line

How We Decided

To determine “the best,” renters insurance company. we looked at several factors including affordability, customer service satisfaction, how quickly a company can reimburse you for a claim, additional coverage that can broaden the scope of your policy, and any discounts a company had that could lower your monthly premium in a big way.


To determine the best renters insurance companies, we chose only those that had a basic policy that was affordable.

We gave ourselves a budget so that all walks of life could purchase insurance without breaking their banks.

If the insurer cost over $17 a month, we took that company off our list.

If the insurer had a premium that cost lower than the state average, we put that company on our list.


So much of determining which insurance is best for you involves trying to get the best deal. So, we also looked at those companies that had the most discounts that could significantly lower your premium.


For a basic renters insurance policy in Maryland, we considered the amount of coverage offered by a company for liability claims and personal belonging claims.

In some cases, the typical claim limit for high-value items like jewelry or collectibles is only between $1,000 and $2,000. Those caps can barely cover the latest iPhone.

So we looked at the types of coverage you can get beyond what a standard policy could offer.

This meant we looked at endorsements and riders that required additional costs but which made coverage more comprehensive.


An insurance company that had an online presence and a mobile app make it easier for policyholders to take care of all their renters insurance needs, including filing a claim, checking your policy, or looking for add-ons, for example.

Those companies that offered electronic services to give you convenience and to save you time were put high on our list.

You should never have a hard time finding something about your insurance online or on an app.

So, if a company’s website and app were easy to navigate and offered a lot of useful features, we seriously considered that company.

Customer Reviews

When deciding on a renters insurance company, it's important to look at customer reviews. We scoured customer reviews from many trusted sites to see how well a renters insurance performed.

We also took into consideration rating companies such as AM Best and JD Powers to see if a particular renters insurance company, based on customer service performance, had a high score.


We didn’t just research renters insurance quotes in Maryland. Since we needed to compare quotes to find the best policy, we looked at other

important or famous cities and suburbs in Maryland, including Baltimore, Columbia, Annapolis, Germantown, Elicott City, Frederick, Bethesda, and Rockville, and more.

That gave us a wider picture of how insurance rates vary per town, and to see which towns had the lowest premiums, and why.

What Does Renters Insurance Cover?

In Maryland, the standard renters insurance policy covers liability, theft, medical treatment, and loss of use.

But no matter what the state, the standard policy never changes from what it offers.

What makes a basic policy unique is the customization you can get to tailor your policy to your needs, as well any add-ons or endorsements that you may want to purchase for additional coverage or protection.

So, the standard coverage includes:

Liability Coverage

Liability protects you against lawsuits from someone who has bodily injuries or property damages that you or your family caused to them.

Liability also covers your legal defense.

Personal Property Coverage

This pays to repair or replace property that’s stolen or vandalized or that has been damaged due to fire, windstorms, smoke damage, and other perils your policy may cover.

Loss of Use

This policy covers basic living expenses and temporary housing costs if you can’t live in your rental unit due to damage and destruction from fire, smoke, and heavy winds.

Medical Payments

This policy pays for medical care if there is bodily injury to a person that occurs in your rental unit, regardless of fault.

Is Renters Insurance Required in Maryland?

Renters insurance is not required by law in Maryland. However, some landlords may require it for you to live in their building.

Your Landlord’s Insurance Has Nothing to Do With You: Sorry!

The landlord of your apartment, condo, co-op, rental unit, or home will have insurance.

For example, for apartments, the landlord’s insurance protects the building structure. It is also used to repair or overhaul common areas such as the lobby, concierge area, the entrance hall, foyers, elevator, apartment halls, and stairwells, to name a few.

Because your landlord’s insurance doesn’t cover any damages to your personal property, it’s a good idea to purchase renters insurance.

For example, if your expensive laptop gets stolen or is damaged due to unexpected events that you can’t have known about and you have renters insurance, your policy will pay for the laptop.

If you didn’t have renters insurance and your laptop was stolen, woe is you! You’ll have to pay out of pocket for a replacement.

Who is Covered by Maryland Renters Insurance?

If you and your family and maybe your extended family are all living together under the same roof in a rental, these people will be covered by your renters insurance.

But the key here is to read the fine print of your policy.

If someone living with you is not a blood relative but is considered part of your family, you need to know if that person is covered.

In this sense, then, it may be important to add on an endorsement to cover that person if there are limitations on your coverage.

However, if you lose that laptop, that’s not covered.

What are the Risks to Consider in Maryland?

Maryland’s climate has two seasons that can be detrimental to the state.

In the summer it is incredibly hot and the air is characterized by extreme humidity.

In the winter, it’s unbearably cold.

Earthquake and tornado damage in Maryland are both much lower than the national average.

Maryland's most common natural disasters include hurricanes, severe storms, tropical storms, winter storms, tornadoes, wildfires, landslides, and extreme heat.

In Baltimore, hurricanes and tropical storms have produced wind damage, riverine flooding along tributaries, and inundation of shorelines and harbors by way of intense storm surges.

All heavy storms cause flooding. Flooding is the most detrimental natural disaster in Maryland. So flash, riverine, and coastal flooding are the major concerns.

Do I need Hurricane or Flood Coverage?

Renters insurance covers wind damage, water damage, and hail.

But no matter what renters insurance company you pick, a renters insurance policy never covers flooding.

Given Maryland’s varying elevation, you should turn to the Federal Emergency Management Agency’s (FEMA) flood map database to see how much of a risk flooding is for you and your rental.

You can also check the Maryland Emergency Management Agency map to see if you live in a hurricane evacuation zone.

If it turns out your city or suburb in Maryland is prone to floods and hurricanes, it’s recommended that you purchase separate endorsements for flood insurance and hurricane insurance so your belongings are fully covered.

And especially if your unit itself is at risk.

For example, if you live in a ground-floor apartment or the basement, flood insurance is a necessity and will protect your property if the flood causes damages.

Do I Need Wind Coverage?

Heavy winds are covered by a standard renters policy, but the frequency in which they happen in Maryland may mean that your policy may not fully cover the damages caused by them.

So it’s also wise to take out an additional wind coverage policy.

Do I Need Earthquake Coverage?

Renters insurance doesn’t cover earthquakes.

Maryland does have earthquakes, but they tend to be low-magnitude.

You may not need earthquake coverage because it usually damages the structure of your building and is thus something your landlord should be responsible for.

And besides, most Maryland residents don’t need it. That’s unless they own expensive collectibles that can easily break, like fine china.

What Factors Determine Your Maryland Renters Insurance Rate?


If you live in a flood-prone neighborhood due to hurricanes and high winds, your rate will be high.

Crime Rate

If your city or suburb has a high crime rate, you’ll also pay more.

Safe Neighborhood

But if your neighborhood is safe and has a low crime rate and your rental is near a fire hydrant, you’ll pay less.

And you’ll pay even less if one or more of these describe your situation:

  • If your rental is inside a gated community with attending guards or key code access.
  • If your rental is on a high floor.
  • If you have window guards, a smoke detector, and multiple locks on your doors.
  • If your apartment building has cameras and other safety devices in the lobby or at the outside entrance.
  • If your apartment building has doormen, especially if they are 24/7.

Claims History

If you have never made a claim for a period that is decided by your insurer, you’ll pay less.


If you raise your deductible, your rate will be lowered.

Why Doesn’t Your Credit Score Determine Your Maryland Renters Insurance Rate?

According to Maryland’s state law, insurance companies can’t use your credit score to set your renters insurance rate or deny you insurance.

Maryland is one of the few states with this restriction.

What is Not Covered Under Renters Insurance?

If you think you don’t have to insure your Gerhard Richter painting because a renters policy has you covered, think again.

Renters insurance pays for personal belongings.

However, if that painting is high in value, which it is, it may be subject to a low limit of liability.

This means the insurer will only pay up to a certain amount or a small percentage of the value of that Richter painting.

Roommate Property

If you have a roommate, your renters insurance will not cover the roommate’s personal property. The roommate must purchase a policy to protect the roommate’s belongings.

And as we discussed, renters insurance won’t cover damaged or lost possessions due to natural disasters like floods and earthquakes.

In addition, if you accidentally lose or misplace your smartphone or laptop, your insurance won’t cover replacements.

As for pets, if your dog causes injury like biting your neighbor while at your rental, an extra pet liability with an added cost will cover any medical bills that your neighbor may rack up.

However, you may end up paying a higher premium if you own a pit bull or a Doberman pinscher because those breeds are considered high risk by your insurance company.

And in some cases, a renters policy may decline coverage if you own such breeds.

But in most instances, you may have to pay out of pocket if your dog destroys your neighbor’s personal property.

How Does Theft Coverage Work?

Theft coverage, which comes standard in a basic policy, doesn’t just protect your property if someone breaks into your home or if your home is burglarized.

It is also covered when you are outside. If you’re miles and miles away and you’re on vacation and your laptop gets stolen, you’ll be covered.

How Much Does Maryland Renters Insurance Cost?

The average cost of renters insurance in Maryland is $16 a month or $191 a year.

The cost for renters insurance in Maryland is higher than the US average, which is about $15 per month or $187 per year.

This is because of the frequency of natural disasters and because many cities in Maryland have a high crime rate.

But remember your average cost will be lower or higher depending on where you live.

And expect to pay more if you buy add-ons, such as flood insurance or additional wind damage coverage.

The cheapest renters insurance company in Maryland is State Farm, with an average cost of $10 to $12 a month.

So, State Farm’s average for renters insurance is thus the most affordable insurer in Maryland.

What is the Average Renters Insurance Cost?
Company Average Monthly Cost
State Farm $10-$15
Travelers $12
Allstate $16
Liberty Mutual $16
Lemonade $5-$10
Nationwide $20
Amica Mutual $13
Erie $15

What are the Two Main Reasons Why You Should Buy Renters Insurance in Maryland?

One reason is that Maryland has a higher violent crime rate than the national average. Among all 50 states, Maryland has the eleventh-highest violent crime rate.

As for property crime, there are around 117,901 burglaries and acts of theft each year in Maryland.

The cities with the most crime rates include Luke, Oxford, Brentwood, Frederick, Takoma Park, Westminster, Aberdeen, and Annapolis, to name a few.

The other reason is that Maryland’s weather can be hazardous to residents, especially when there are high winds and hurricanes., as discussed.

Do you have enough money to pay out of pocket to replace damaged personal belongings due to crime or natural disasters?

How Much Renters Insurance Do I Need?

When you buy renters insurance, you’ll need to figure out how much coverage you need.

You should have as much liability coverage as you can get.

Typically, the basic renters insurance policy starts with $20,000 in personal property coverage.

Lability coverage starts with $100,000 in a basic policy.

These are very low coverage limits.

But that’s why renters insurance looks so cheap, costing, say, $12 a month.

And that’s why companies can advertise that a policy will only set you back that low amount.

You know who you are!

In reality, you rarely ever pay that amount each month because you often need to increase your coverage limits.

As discussed, the insurer will only pay up to the policy limit or pay a small percentage that won’t even come close to fully covering your Gerhard Richter painting.

The typical standard renters insurance value cap for high-priced items like artwork is around $10,000.

So if the Richter painting was appraised at $1 million, what are you going to do, absorb the $10,000 and pay the rest out of pocket?

No, you shouldn’t have to do that!

If the artwork is your most prized possession, you should schedule the item on top of your basic policy.

This will increase your premium but will fully cover the painting.

Scheduling means you can increase the coverage amounts of your insurance for your belongings that are high in cost like artwork.

Do I Need That Much Insurance if I Have Limited Personal Belongings?

You probably have more than you think, and they even may be costly and worth the insurance.

Figuring out the exact amount you need for your personal belongings is easy.

Just add up everything you own and then make a list.

On the list should be the cost you paid for each of your personal belongings.

If you can’t recall how much you paid for an item, just go online to find the cost.

If the item is not available, look for a comparable.

This is called a home inventory.

It’s a detailed list of your personal possessions and their estimated value and which can help you hone in on how much coverage you need.

Add everything up and you’ll be surprised.

And when online, make sure you add up the cost of your items at the current market value so you can get the full replacement cost after damage or disaster rather than ACV (the depreciated amount).

You need to make sure that you have enough coverage to restore your standard of living to what it was after a catastrophic loss. 

Where Do I Start When I First Search for Renters Insurance?

The easiest way to start is doing your home inventory before committing to a renters insurance company.

Once you know how much you need—both in property and liability—that’s the best way to compare policies to find the one that suits your needs.

But remember buying a policy shouldn’t be determined by price alone.

You also have to consider how much liability the policy offers, the amount of endorsements you may need, the types of coverage a policy offers, how easy it is to reach a customer service rep, and if you can file a claim online for simplicity, and how fast you can get reimbursed.

Frequently Asked Questions

What items are covered by renters insurance?

In Maryland, the standard renters insurance policy covers liability, theft, medical treatment, and loss of use.

Are you required to have renters insurance in Maryland?

Renters insurance is not required by law in Maryland. However, some landlords may require it for you to live in their building.

Does renters insurance cover all family members?

The key here is to read the fine print of your policy. If you and your family and maybe your extended family are all living together under the same roof in a rental, these people will be covered by your renters insurance. If someone living with you is not a blood relative but is considered part of your family, you need to know if that person is covered.

What are the risks to consider in Maryland?

Maryland's most common natural disasters include hurricanes, severe storms, tropical storms, winter storms, tornadoes, wildfires, landslides, and extreme heat. All heavy storms cause flooding. Flooding is the most detrimental natural disaster in Maryland. So flash, riverine, and coastal flooding are the major concerns.

Does your credit score affect your renters insurance?

According to Maryland’s state law, insurance companies can’t use your credit score to set your renters insurance rate or deny you insurance. Maryland is one of the few states with this restriction.