Maryland has 6,206,011 residents. We list 50 agencies for inland marine insurance in Maryland. Here is what the local numbers say about the cover people here need.

Maryland at a glance

50inland marine insurance agencies listed
32.4%of households rentRenters insurance
$419,900median home valueHome insurance
1979median year homes were builtRebuild cost calculator
8.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Maryland

How many of Maryland’s 23 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Winter weather9 of 23 counties
Very High in Montgomery County, Prince George's County, Baltimore City.
Strong wind7 of 23 counties
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Maryland
Lightning6 of 23 counties
Very High in Prince George's County.
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Maryland
Inland flooding3 of 23 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state
Coastal flooding3 of 23 counties
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in every state
Tornado2 of 23 counties
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Maryland

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Maryland

Maryland requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15. It also requires personal injury protection ($2,500) and uninsured motorist coverage ($30,000 per person, $60,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Maryland How much liability cover do you need?

Source: mgaleg.maryland.gov. Checked 2026-10-24.

Insurance companies Maryland agencies work with

Of the 50 Maryland agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers43 agencies
Travelers (Standard Fire)37 agencies
The Hartford31 agencies
Liberty Mutual29 agencies
Nationwide27 agencies
Nationwide (Colonial)26 agencies
Liberty Mutual (Safeco)25 agencies
Safeco25 agencies
Employers24 agencies
Nationwide (Allied)24 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Inland Marine insurance in Maryland

All insurance agencies in Maryland · Inland Marine insurance in every state

Where can I find inland marine insurance in Maryland?

Pick your city in the list on this page to see every agency there that offers inland marine insurance, or search by name or ZIP code.

What does inland marine insurance cover?

Covers goods, tools and equipment while in transit or away from your premises.

Which insurance companies do Maryland agencies work with?

Among the 50 Maryland agencies whose appointments we hold, the companies they are most often appointed with are Travelers (43), Travelers (Standard Fire) (37), The Hartford (31), Liberty Mutual (29), Nationwide (27). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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