homeowners insurance
in maryland

home insurance 
in maryland

Malhotra & Assoc. Insurance Has You Covered

Need Homeowners Insurance in Maryland

Your Maryland home is the heart and center of your family’s life and is likely your most valuable asset. Just like your family, your Maryland home needs to be protected with homeowners’ insurance, which will be there when you need it most. Homeowners insurance ensures your Maryland home and family are protected if you suffer a loss due to fire, theft, vandalism, or other covered events.

We all want cheap Maryland homeowners insurance, but we also need the right Maryland homeowners insurance. This is the goal of every agent at Malhotra & Assoc. Insurance, to design a personalized Maryland homeowners insurance policy that will support you and your family today and the future. Malhotra & Assoc. Insurance is an independent Maryland insurance agency, which is very important. While other agencies only sell one type of Maryland homeowners insurance, we work with the biggest and best insurance companies, allowing us to personalize and find the very best Maryland homeowners insurance policy for you!

Since you are here, we assume you are looking for an homeowners insurance quote. Before you decide on your next homeowners insurance agency, we recommend you consider the following to ensure you find the right homeowners insurance policy for you.

  1. Consider Your Coverage – Make sure your insurance agency understands homeowners insurance replacement value versus actual cash value, as well as what type of insurance coverages you are looking for. This is why working with a local Maryland homeowners insurance experts like Malhotra & Assoc. Insurance is so important. We have local Maryland office in Mt. Airy.
  2. Learn Your Limits – Find an Maryland insurance agency that will take the time to understand your personal wants and needs to determine the homeowners insurance coverage which is right for you.
  3. Determine Your Deductible – Ensure your Maryland insurance agency has the flexibility to work with all the largest homeowners insurance companies to find the best homeowners insurance coverage with a deductible you and your family can afford.
Malhotra & Assoc. Insurance agents are homeowners insurance experts and are here to advise you on all of your important homeowners coverage decisions. Contact us today for a risk-free homeowners insurance quote and to answer all of your questions.

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Maryland home Insurance

Frequently Asked Questions

When it comes to home insurance in Maryland, we tend to get the same questions often.

Should I buy homeowner insurance if I lease a property?

While your landlord likely has some form of homeowner or investment insurance for the property. Their policy does not cover your personal belongings. Insuring your personal property with your own Renters Insurance policy is essential.

What is the difference between renters and condo insurance?

Renters insurance covers your personal property inside of a leased residence, not the structure and it’s surrounding lot. Condo insurance, similar to homeowners insurance, requires you to own the property. While homeowners insurance covers the entire lot, condo insurance is limited to the square footage of your personal condo.

Purchase Home Insurance from Malhotra & Assoc. Insurance

Buying the best homeowner’s insurance in Maryland is easy when you get in contact with Malhotra & Assoc. Insurance. Our team of insurance agents have the skills and experience needed to get you the best coverage at the right price for you fast. Give our team a call or visit one of our locations today!

Buying Homeowner Insurance in Maryland

If your homeowner insurance is up for renewal, or you’re looking to insure a new home, our team is ready to help!

Whether you are looking for comprehensive homeowner insurance, renter’s insurance, condo insurance, condo insurance or more, you can depend on Malhotra to get the job done. 

You can rely on Malhotra to get the job done. We work with many of the leading insurers to provide clients with the best rates possible. We look forward to speaking with you soon. 

What is The Best Type of Coverage for a Property in Maryland?

Most mortgage companies require that you purchase homeowners insurance for your property; however, oftentimes many policies carry minimal coverage and do not take into account the variety of occurrences when owning a home.

Fire, windstorms, and damage caused by objects should be covered as well. Water damage can be included, but this typically only extends to protection from damage caused by an HVAC system. It is, however, possible to extend this cover for other water-related issues. Speak with one of our Homeowner insurance experts to see what events you are protected from.

What Type of Homeowner’s Insurance Can You Buy?

There are many different types of homeowners insurance to buy. These coverages vary between HO1-HO8, with the most common being HO3. Our agents are available to help you understand these policies.


Relates to the physical structure of your building and a full stop at the end

Personal Property

Covers loss and damage of your personal belongings and a full stop at the end


Provides coverage if someone causes damage to another person on your property and a full stop at the end

Additional Living Expenses

Known as “loss or use” of ALE and represents any living expenses you would incur if you were unable to live on your property due to repairs or damage

How Much Does Homeowner Insurance Cost in Maryland

The average cost of homeowner insurance in Maryland is $1,186.

The cost of buying homeowner insurance can vary depending on the value of property, value of belongings, and amount of coverage you are seeking.

Frequently Asked Questions About Home Insurance in Maryland

How much renter’s insurance do you need to Carry?

Your landlord will likely request a minimum amount of coverage in your contract, which may not cover the total amount of your personal property. Speak with one of our agents to ensure that you have enough coverage to replace your personal belongings.

Another major consideration you need to account for is the difference between actual value and replacement cost coverage.  Actual cost insurance will pay out the worth of your possessions on the market in the present day. Replacement cost coverage will cover the cost of buying a replacement. This is why actual value coverage is the more affordable option. 

Should I buy home insurance if I live in shared accommodation?

While it’s likely your landlord or fellow tenants may hold coverage of their own, it is probable this insurance will not cover your personal possessions.

Contact Us Today for a Maryland Home Insurance Quote

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