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maryland condo insurance

Whether you live in Baltimore, Annapolis, or Ocean City, Maryland is a great place to call home (and for much more than the seafood, though that's a definite perk).

So you can get the most out of living in the Old Line State, we can help you find condo insurance that safeguards your valuables from damage and theft, provides additional protection over your Homeowners Association (HOA) insurance, and more. And while Esurance doesn't offer Maryland condo insurance, you can still get a free quote through us and secure reliable coverage from our partner.

maryland condo coverages through esurance

Recovering from a kitchen fire or burglary is hard enough without having to think about the financial implications. Fortunately, condo insurance pays to repair or replace your belongings following a covered incident like fire, theft, and more. Better yet, it also helps protect:

  • Personal liability — your policy pays for your legal fees if you're ever facing a lawsuit after accidentally injuring someone or damaging their property.
  • Additional living expenses — in case you're temporarily forced to relocate following a covered incident, your policy helps cover everyday expenses like your hotel and meals.

potential savings in maryland

Depending on your condo insurer, you could save on your premium by qualifying for a number of discounts. For instance, if your building has add-ons that protect the structure from high winds, you could qualify for the Wind-Resistant Home Features discount. Likewise, having safety features in your unit like smoke alarms and burglar alarms could land you some savings.

condo living vs. buying a house in MD

From December 2013 to December 2014, the condo market in Baltimore saw nearly a 22 percent increase and the highest level of December sales since 2005. These were the median prices in 2014 for a few major areas in Maryland:

  • Baltimore Metro — $240,000
  • Howard County — $389,945
  • Baltimore City — $115,000

But whatever your price range, a condo can be a good alternative to a house if you're looking to mitigate maintenance costs. Your HOA is responsible for building repairs, whereas you're only responsible for the structure of your unit and everything you keep there. Plus, if there's damage to a common area, it's good to have condo insurance (it actually helps pay your share of the repairs!).

Wonder if you could be saving on condo insurance?

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or call 1-866-439-5633