Landlord Insurance for Maryland, Pennsylvania, Virginia & Delaware
Protect your rental properties across Baltimore, Towson, and surrounding Maryland counties with landlord insurance in Maryland designed specifically for property owners.
Owning rental property in Maryland brings steady income and responsibility. Rider Insurance provides landlord insurance Maryland property owners rely on to protect rental buildings, cover loss of rental income, and provide liability protection while tenants occupy the property. We’ve helped Maryland landlords for over 20 years, arranging landlord insurance in Maryland for everything from single units to large rental portfolios.
Why Landlords in Maryland choose Rider Insurance
We’re a local agency based in Towson, MD, that understands the specific risks Maryland landlords face. Our experience with landlord insurance Maryland policies allows us to match coverage correctly for Baltimore rowhouses, suburban rentals, and multi-unit properties.
We shop multiple carriers to find the right balance of price and protection for landlord insurance in Maryland, including:
- Dwelling (building) coverage after fire, wind, or vandalism.
- Loss of rental income when a unit is uninhabitable.
- Landlord liability for tenant or guest injuries.
- Optional endorsements such as sewer/water backup, equipment breakdown, and service line protection.
- Flood insurance options where required.
Landlord Insurance Coverage Options Explained
Our landlord insurance Maryland solutions are tailored by property type and risk exposure.
- Special Form (Comprehensive Coverage) — Broad protection for fire, water (excluding flood), theft, vandalism, and loss of rental income—ideal for full-coverage landlord insurance in Maryland.
- Broad / Basic Form Policies — Lower-cost landlord insurance options in Maryland focused on essential perils like fire and liability.
- Per-Location or Scheduled Policies — Designed for landlords with multiple properties who need scalable landlord insurance in Maryland.
- Vacant Property & Builder’s Risk Coverage — Specialized landlord insurance coverage for vacant or renovating properties, where standard Maryland policies may restrict coverage after 30+ days.
Landlord Insurance Cost in Maryland
The cost of landlord insurance Maryland landlords pay varies based on property value, location, number of units, tenant profile, and coverage selected. Many Maryland landlords see annual premiums ranging from the lower-to-mid hundreds up to $1,000+, with common estimates around $700–$1,300 per year.
For accurate pricing, request a tailored landlord insurance Maryland quote. We compare multiple carriers to secure competitive rates for your specific property.
Serving Landlords Across Maryland
We provide landlord insurance in Maryland for property owners throughout:
Baltimore City, Towson, Dundalk, Columbia, Glen Burnie, Annapolis, Howard County, Montgomery County, Prince George’s County, and statewide.
Local underwriting knowledge helps reduce exclusions and improve pricing for Maryland landlord risks.
How Claims & Service Work with Rider Insurance
When you choose Rider Insurance for landlord insurance Maryland coverage, you get direct local support:
- Call our office at (410) 828-1555 or toll-free (888) 617-4337
- We review your property and recommend the right landlord insurance policy form and endorsements.
- Landlord liability (tenant or guest injuries, legal defense).
- We place coverage quickly and assist with claims to minimize downtime and lost rental income.
Quick Note: Renters vs. Landlord Insurance
Landlord insurance in Maryland protects the building and owner liability—it does not cover tenant personal property. Encouraging tenants to carry renters insurance helps reduce disputes and uncovered losses.
Get a quote
Protect your rental income and investment. Call (410) 828-1555, email [email protected], or fill out the quote form below to get a fast, competitive landlord insurance quote for your Maryland properties.
FAQs
What is landlord insurance, and do I need it in Maryland?
Landlord insurance covers the building, liability, and loss of rental income. It’s essential for any property owner renting out residential property in Maryland.
Does landlord insurance cover tenant damage or theft?
It may cover tenant-caused damage to the structure. Tenant personal property is usually not covered—tenants should carry renters insurance.
What if my rental unit is vacant or under renovation?
Standard policies often limit coverage after vacancy periods (commonly 30+ days). We arrange vacant property or builder’s risk policies to prevent gaps.
Can I insure multiple rental properties under one policy?
Yes. We offer per-location policies, scheduled policies, and portfolio programs depending on the size and structure of your rental portfolio.
Is landlord insurance required by law in Maryland?
Landlord insurance is not legally required by the state, but it is strongly recommended for property owners. Most lenders require landlord insurance in Maryland to protect the building, liability exposure, and rental income.
Does landlord insurance in Maryland cover loss of rental income?
Yes. Many landlord insurance Maryland policies include loss of rental income coverage when a property becomes uninhabitable due to a covered loss, helping offset missed rent during repairs.
Does landlord insurance cover legal expenses in Maryland?
Yes. Liability coverage within landlord insurance in Maryland may help pay for legal defense, court costs, and settlements if a tenant or guest is injured on your rental property.
Can landlord insurance in Maryland be bundled with other policies?
Yes. Landlords often bundle landlord insurance Maryland with umbrella liability or other property policies to simplify coverage and reduce overall insurance costs.
Does landlord insurance cover short-term or seasonal rentals in Maryland?
Standard policies may not fully cover short-term rentals. A specialized landlord insurance Maryland policy may be required depending on rental duration, tenant turnover, and usage.
How often should I review my landlord insurance policy in Maryland?
You should review your landlord insurance in Maryland annually or after major changes such as renovations, rent increases, or adding properties to ensure coverage stays accurate.
Call us directly at (410) 828-1555, email us at our real estate investor exclusive email: [email protected] or fill out the Quote Form below.
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