Renters insurance in Maryland

Maryland's residents can find affordable renters insurance in the Free State through Progressive. Check out Progressive's customized protection and multiple discounts for renters insurance in Maryland, and receive a personalized renters insurance quote in minutes.

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Is renters insurance required in Maryland?

Although renters insurance isn't required by Maryland law, your landlord or leasing company might require it. Even if you aren't required to have a renters insurance policy, it may help protect your belongings or pay for you to stay somewhere else while repairs are made to your apartment due to a covered loss.

Maryland renters insurance coverages

Check out the four standard coverages on nearly all Maryland renters insurance policies:

  • Personal property protects your personal belongings, including furniture, clothing, and electronics.
  • Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Maryland is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

  • Certain valuable items, like jewelry, art, and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
  • Personal injury: May pay for legal fees and damages if you're liable for slander or defamation.
  • Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Maryland

In 2020, there were 97,487 property crimes reported in Maryland, which includes burglary and breaking and entering. Find out how renters insurance may cover theft if your belongings are stolen.

Are you moving in Maryland and wondering how to insure your belongings while they're in transit? Learn more about insurance for your property while in storage.

Discounts on Maryland renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Maryland, such as:

  • Multi-policy
  • Quote in advance
  • Pay in full
  • Secured/gated community

See more of our available renters insurance discounts.

Pro tip:

Progressive makes buying renters insurance easy. Use our Home Quote Explorer® tool to compare rates and coverages from multiple renters insurance companies.

What does Maryland renters insurance cost?

You can buy renters insurance for less than $1/day.* However, many components influence the cost of renters insurance in Maryland, including your location and coverage limits. Learn more about renters insurance cost factors.

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Learn more about renters insurance.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.