Frederick has 83,395 residents in 33,584 households. We list 3 agencies for renters insurance in Frederick. Here is what the local numbers say about the cover people here need.

Frederick at a glance

3renters insurance agencies listed
41.2%of households rentRenters insurance
$401,500median home valueHome insurance
1991median year homes were builtRebuild cost calculator
6.7%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 in Frederick County

FEMA rates the overall natural hazard risk in Frederick County, where most Frederick agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Frederick

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

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 Frederick How much liability cover do you need?

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

Where Frederick agencies are

Frederick agencies we list sit in 2 ZIP codes, mostly in Frederick County.

217012 agencies
217041 agency

Questions

Renters insurance in Frederick

All insurance agencies in Frederick · Renters insurance across Maryland

Where can I find renters insurance in Frederick?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does renters insurance cover?

Covers your belongings and your liability when you rent rather than own.

Do I need flood insurance in Frederick?

FEMA's National Risk Index rates inland flooding risk in Frederick County as Relatively Moderate compared with other U.S. 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.

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.

Nearby

Renters insurance near Frederick

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