Landlord Insurance for Maryland, Pennsylvania, Virginia and Delaware
Protect your rental properties across Baltimore, Towson & surrounding Maryland counties with insurance built for landlords.
Owning rental property in Maryland brings steady income and responsibility. Rider Insurance offers landlord insurance in Maryland that protects your building, covers loss of rents, and provides liability protection when tenants occupy your property. We’ve helped Maryland landlords for over 20 years and arrange policies for single units up to large portfolios.
Why landlords in Maryland choose Rider Insurance
We’re a local agency based in Towson, MD, that understands the specific risks Maryland landlords face – from Baltimore rowhouses to suburban single-family rentals. We shop multiple carriers to find the right combination of price and coverage for:
- Dwelling (building) coverage after fire, wind, vandalism.
- Loss of rental income (rental reimbursement) when a unit is uninhabitable.
- Landlord liability (tenant or guest injuries, legal defense).
- Optional endorsements: sewer/water backup, service line protection, equipment breakdown, tenant liability, and more.
Coverage options explained
- Special Form (Comprehensive) — Broad coverage for fire, water (not flood), theft, vandalism, and loss of rents.
- Broad / Basic Form — Lower cost options that focus on core perils (fire, basic liability).
- Per-location or scheduled policies — Ideal for landlords with multiple properties or mixed portfolios.
- Vacant property & builder’s risk — Special policies or endorsements are available for empty units or renovations (many standard policies restrict coverage when a property is vacant 30+ days).
Local cost context
Landlord insurance costs vary by property value, location, number of units, tenant profile and coverages chosen. On average Maryland landlords often see annual premiums in the lower-to-mid hundreds up to about $1,000+ depending on coverage many resources report state averages roughly in the $700–$1,300/year range for typical rental properties. For an accurate price, request a tailored quote we compare multiple carriers to find the best rate for your property.
Serving Maryland – where we help
We serve property owners in: Baltimore City, Towson, Dundalk, Columbia, Glen Burnie, Annapolis, Howard County, Montgomery County, Prince George’s County and all across Maryland. Local underwriting knowledge helps reduce exclusions and get competitive premiums for Maryland risks.
How claims & service work with Rider
1. Call our office at (410) 828-1555 or toll free (888) 617-4337.
2. We assess your property, current coverages, and recommend the appropriate policy form and endorsements.
3. We place coverage quickly and assist through claims to minimize downtime and loss of rental income.
(Office: Rider Insurance- 1422 E. Joppa Rd, Towson, MD 21286.)
Quick note on renters vs landlord coverage
Landlord insurance protects the structure and the owner’s liability it does not cover tenant personal property. Encourage tenants to carry renters insurance to protect their belongings and reduce disputes. For regulatory or tenant questions, resources from the Maryland Insurance Administration are useful.
Get a quote
Protect your rental income and investment. Call (410) 828-1555, email [email protected], or fill out the quote form below to get a fast, competitive landlord insurance quote for your Maryland properties.
FAQs
What is landlord insurance and do I need it in Maryland?
Landlord insurance covers the structure, liability, and lost rents — it’s essential for any owner renting property in Maryland.
How much does landlord insurance cost in Maryland?
Costs vary by property, but many landlords in Maryland pay roughly $700–$1,300/year depending on coverage and location. Get a tailored quote to know exact premiums.
Does landlord insurance cover tenant damage or theft?
It may cover tenant-caused damage to the structure; tenant personal property is usually not covered — tenants should buy renters insurance.
What if my unit is vacant or under renovation?
Standard policies often limit or exclude coverage after a vacancy period (commonly 30+ days). We place specialized vacant or builder’s risk policies to avoid gaps.
Can I insure multiple properties on one policy?
Yes — Rider offers per-location policies, scheduled policies, or portfolio programs depending on the number of units and portfolio size.
Call us directly at (410) 828-1555, email us at our real estate investor exclusive email: [email protected] or fill out the Quote Form below.
Get a quote
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