Your home is one of your most valuable assets — and protecting it is essential. Rider Insurance provides comprehensive and affordable Homeowners Insurance in Maryland, designed to safeguard your home, personal belongings, and family from unexpected loss. As a trusted home insurance company in Maryland, we compare multiple top-rated carriers to build a policy tailored to your needs, location, and budget.
Local expertise. Complete protection. Personalized coverage for Maryland homeowners.
What Does Homeowners Insurance Cover?
A standard home insurance policy in Maryland typically includes:
- 1. Dwelling Coverage: Protection for the physical structure of your home — walls, roof, floors, built-in appliances, and more.
- 2. Personal Property Coverage: Covers furniture, electronics, clothing, décor, appliances, and personal items.
- 3. Liability Protection: If someone is injured on your property, liability coverage helps pay legal fees, medical bills, and settlements.
- 4. Additional Living Expenses: If your home becomes uninhabitable after a covered loss, this pays for temporary housing and food.
- 5. Other Structures Coverage: Covers garages, sheds, fences, and detached buildings.
We customize every policy to match your home’s size, structure, and location.
Why You Need Homeowners Insurance in Maryland
Maryland homeowners face risks such as:
- Storm & wind damage
- Frozen pipes & winter-related issues
- Fire & smoke damage
- Theft or vandalism
- Lightning, electrical surges & power disturbances
- Water damage from appliance leaks
- Liability risks from guests or pets
A strong homeowners policy protects your investment and keeps your family financially secure.
Types of Home Insurance We Offer
- Single-family home insurance
- Condo insurance (HO-6)
- Townhome insurance
- Renters insurance bundles
- Landlord property insurance
- High-value home insurance
- Secondary/vacation home coverage
- New construction home insurance
Rider Insurance ensures you receive accurate coverage based on your home type and value.
Why Choose Rider Insurance as Your Home Insurance Company in Maryland?
- Local Maryland experts — We understand flood zones, storm risks, and regional regulations.
- Independent agency advantage — We compare multiple insurers to get you the best price.
- Customized protection based on your home, location, and lifestyle.
- Fast claims support — Our Towson-based agents assist you throughout the claim process.
- Competitive pricing — Strong coverage without unnecessary add-ons.
That’s why Maryland homeowners trust Rider Insurance for dependable protection.
How We Build Your Homeowners Insurance Policy
- Review Your Home & Coverage Needs
- Compare Multiple Carriers & Pricing
- Customize Coverage & Endorsements
- Finalize Your Policy with Optimal Value
- Ongoing Support for Claims & Renewals
We make the process simple and stress-free.
We make the process simple and stress-free.
- Water/sewer backup coverage
- Flood insurance (separate policy)
- Identity theft protection
- Jewelry & valuable items coverage
- Replacement cost on contents
- Equipment breakdown coverage
These options help protect against the most common Maryland-related risks.
FAQs About Homeowners Insurance in Maryland
How much homeowners insurance do I need?
You should insure your home for the full replacement cost — not the market price. We calculate this for you.
Does homeowners insurance cover water damage?
It covers sudden/accidental leaks (like a burst pipe). Flooding from storms or rising water requires a separate flood insurance policy.
Is homeowners insurance required in Maryland?
It’s required by most lenders and strongly recommended to protect your investment.
How can I lower my homeowners insurance cost?
Bundling home and auto, updating your roof, installing security systems, and choosing the right deductible can reduce your premiums.
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I cannot say enough positive remarks about Rider Insurance. I have them for all of my insurance needs. Home, Auto and Business. They go above and beyond for their customers.
Best Place To Go For Car Ins.
The ryder group is a family, so when they welcome you in your taken care of like you belong to them. They always give you their best!