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Find the Best Renters Insurance in Baltimore, MD

Renters insurance is a necessity unless you have enough saved to replace your belongings in a pinch. If you don’t have renters insurance already, now’s the best time to get it. We researched the best renters insurance in Baltimore to help you get lower rates and better coverage.

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  • Covers $250,000 of property and $1 million of liability
  • Offers a free online quote tool
  • Chat with live representatives online
  • Available in Baltimore and select states
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  • Available in Baltimore

Wide choice of A-rated insurers!

Serves residents in
Baltimore, MD
(855) 695-2255
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Farmers Insurance: Charles Connolly
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/md/baltimore/charles-connolly
6719 York Rd.
Baltimore, MD 21212
(443) 863-7733
Nationwide Insurance: Robert F. Stastny
  • M-F: 9am - 5pm
  • Sat: 9am - 12pm
  • Closed Sun
  • agency.nationwide.com/robert-f-stastny-in-baltimore-md
6822 Harford Rd.
Baltimore, MD 21234
(410) 849-6324
Erie Insurance: Leitner Insurance Group
  • M-Th: 9am - 5pm
  • F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • erieinsurance.com/agencies/bb1148
2100 Merritt Ave.
Baltimore, MD 21222
(410) 285-3743
State Farm Insurance: David Rosario
  • M-F: 9am - 5pm
  • Sat: 10am - 2pm
  • Closed Sun
  • davidrosario.net
3121 Eastern Ave.
Baltimore, MD 21224
(410) 850-4949
GEICO Insurance: Tom White
  • M-F: 9am - 7pm
  • Sat: 10am - 5pm
  • Closed Sun
  • geico.com/insurance-agents/maryland/baltimore/tom-white
7915 Belair Rd.
Baltimore, MD 21236
(410) 882-8200
Allstate: Jeff Shi
  • M-F: 8:30am - 5pm
  • Sat: By appointment
  • Closed Sun
  • agents.allstate.com/jeff-shi-baltimore-md.html
4711 1/2 Harford Rd.
Baltimore, MD 21214
(410) 823-3515
Goad Insurance Agency
  • M-F: 9am - 6pm
  • Sat: 9am - 1pm
  • Closed Sun
  • goadinsurance.com/personal-insurance/renters-insurance
3229 Erdman Ave.
Baltimore, MD 21213
(410) 558-0396

How to choose rental insurance in Baltimore

baltimore skyline

Renters insurance is always a good idea, especially in Baltimore. Residential burglaries may have decreased in the past year, but our burglary rate is still more than twice the state and national averages. You can check the crime in your neighborhood with the Open Baltimore crime map.

Burglaries aren’t the only reason for renters insurance. Baltimore also ranks No. 28 in the Hartford Home Fire Index, a list of the 100 U.S. cities with the highest home fire risk.

What does renters insurance cover in Baltimore?

Most renters insurance policies have pretty broad coverage, including events such as:

  • Fire
  • Theft
  • Vandalism
  • Water damage (but not floods)
  • Lightning
  • Wind
  • Hail
  • Explosions
  • Riots
  • Malicious mischief
  • Smoke damage
  • Volcanic eruptions
  • Falling objects

Renters insurance doesn’t just cover what’s in your home. If your bike is stolen while locked up in front of a lecture hall, if your storage unit is burglarized or if you get pickpocketed while traveling, renters insurance has you covered.

Renters insurance also covers personal liability if someone is injured or their property is damaged and you’re found responsible. Some renters insurance policies even cover living expenses if your home becomes uninhabitable.

It’s worth noting that renters insurance doesn’t cover certain natural disasters like floods or earthquakes or damage from pests like bedbugs. If you want coverage from these events, seek out extended coverage or another policy.

How much does renters insurance cost in Baltimore?

Whether you’re a Towson college student living without much to your name or a retiree living in Fell’s Point with a lifetime’s worth of valuables, chances are there’s a policy with the coverage you want at a price you can afford.

On average, the cost of renters insurance in Maryland is $15 to $30 per month. The cost varies by multiple factors including:

  • Amount of coverage: the more coverage you need, the higher your payment
  • Type of coverage: actual cash value (with depreciation) or replacement cost (to buy new)
  • Deductible: a low deductible means a higher premium and vice versa
  • Credit score: the higher your credit score, the less you pay
  • Size of rental space: smaller units cost less to insure
  • Location: it costs a little more if you live in an urban area than if you live in a suburban area
  • Security: good security measures can earn discounts
  • Fire prevention: sprinklers and fire alarms can also earn you discounts

How to save money on renters insurance in Baltimore Talk to your insurance agent about how you can reduce your premium. Bundling with your car, health or life insurance is a great way to save. Sometimes earning a discount is as simple as installing deadbolt locks and buying a fire extinguisher.

There are many ways to save, but skimping on coverage isn’t one of them. A $5,000 policy likely won’t replace all of your belongings, which is why it’s important to know the value of your possessions.

Most online insurance marketplaces and insurance providers offer free inventory calculators online to help you determine the right amount of coverage. You don’t have to include everything, but if you can’t afford to replace it, cover it.

Renters Insurance Reviews


Lemonade is an insurance provider that offers policies for renters. Its policies include personal liability insurance for you and coverage for your property. Property coverage pays for damage or loss from theft and perils such as explosions, fire and vandalism. Apply online. Prices start at $5 per month, but you have to pay with a recurring credit or debit card charge. Use the Lemonade app to make policy changes or claims.

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Want help figuring out how much coverage you need, finding the best deal and understanding just what is and isn’t covered? Policygenius makes it easy to collect and review multiple quotes at once and explains things in simple terms. The website is simple to navigate, and it has a secure payment porthole with optional text reminders. Customers in Baltimore say Policygenius’s efficiency is tough to beat.