Homeowners Insurance

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General Information about homeowners insurance​ (En Español, 한국어​​​)​

Homeowners insurance is a financial protection policy that pays a lump sum if your house is damaged or destroyed by fire, weather, theft or other disasters.​

Homeowners insurance is an important purchase for many people. There are two major reasons to buy homeowners insurance:
  • Protect your assets
  • Satisfy your mortgage lender​

Below are resources on homeowners insurance to consider. While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.​​

Additional Topics

General Information

 
Other categories:

Consumer Advisories

 

Homeowners

Renters Insurance

Condo Insurance

Claims

 

Rates/Comparison Shopping

 

Flood Insurance

Rebuilding after your claim

Title Insurance

Cancellation/Nonrenewal

Manufactured, Modular, Mobile, or Tiny Homes

Earthquake Insurance

  ​While a homeowner’s policy typically does not cover damages from an earthquake, consumers may be able to purchase a separate earthquake insurance policy or endorsement. The terms, conditions and exclusions in an earthquake insurance policy or endorsement will vary from one insurer to the next. Read the policy or endorsement, and talk to your insurance producer when considering your purchase of earthquake insurance. For more general information about such policies, see the National Association of Insurance Commissioner’s brochure "A Consumer's Guide to Earthquake Insurance."

Umbrella Insurance

Video & Webinar Content

​​​​Watch this video for homeowners insurance tips:

 

​Have a complaint about your auto or homeowners insurance policy? The MIA is here to help.​​​​

 


Watch more videos on homeowners insurance here:

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Learn more about Flood Insurance:

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