Who regulates homeowners insurance in Maryland?

The Maryland Insurance Administration (insurance.maryland.gov) licenses carriers and agents and handles consumer complaints.

Is flood insurance required in Maryland?

Flood insurance is required by federally backed lenders for properties in FEMA Special Flood Hazard Areas. Maryland's Chesapeake Bay communities face frequent flooding; coverage is advisable even outside mapped zones.

Does standard homeowners insurance cover water backup?

Not automatically — water backup (from drains or sewers) is typically a separate endorsement. Maryland homeowners should confirm whether their policy includes it, as heavy-rain events frequently cause sewer backups.

What is the Maryland FAIR Plan?

Maryland's FAIR Plan (marylandfairplan.com) is the insurer of last resort for homeowners who cannot obtain coverage in the standard market. It provides basic fire and extended coverage, not a full HO-3 policy.

How do I compare home insurance carriers in Maryland?

Use the NAIC's complaint ratio tool at naic.org and verify carrier licensure with the Maryland Insurance Administration at insurance.maryland.gov.

Homeowners Insurance in Maryland

Maryland's risks include coastal storm surge and flooding for Chesapeake Bay and Atlantic shoreline properties, nor'easter wind damage, and flooding along inland rivers — flood is the primary uninsured peril.

More Maryland guides

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